Fixed deposits

Presented by :
siddharth kumar
SAHAY
surbhi gupTa
sunil mnohar
sudhanshu DVIWEDI

Introduction
Time deposits constitute a major chunk of deposit

portfolio of the Bank.

It can be categorized into

Short Deposits/Fixed Deposits

Recurring Deposits.

Fixed DepositsAfixed deposit(FD) is a financial instrument

provided by banks which provides investors with a
higher rate of interest than a regular savings
account, until the given maturity date

 1.Baroda Short Deposits

Various Types of Fixed Deposit Products

2.Baroda Maha Utsav Deposit Schemes

3.Baroda Double Dhamaka Fixed deposit
4.Fast Access Deposit Scheme
5.BOB Suvidha Fixed Deposit Scheme
6.Regular Income Plans
7.Monthly Income Plans
8.Regular Income cum Recurring Deposit
9.Baroda Capital Gain Account Scheme, 1988
10. Baroda Tax Savings term Deposit
11.Baroda Advantage Fixed Deposits Accounts

COMPARISON
OF
FD
PRODUCTS
Produtc Feature Eligibili Amount
Period Interest
s

ty

Baroda
Short
Deposits

High
return
schemes

Everyon Min=
e is
Rs1000
eligible Max= nil

Min= 7
days
Max=
less
than 12
months

As per
maturity
period
TDS
applicabl
e

Baroda
Maha
Utsav
Deposit

For
festive
season

Same
as
above

Same as
above

Min=
1yr
Max=
10 yrs

Same as
above

Baroda
Double
Dhamak
a FD

Recieves
double
amount

Except
NRI
all
eligible

Min= Rs
5000
Max= Rs
1cr.

Same as
above

Baroda
Fast
Access

It is
prudent
for

All
eligible

Min=Rs
10000
Max= no

Min= 1
yr
Max=

Same as
above

Products

Features

Eligibility

Amount

Period

Interest

Regular
Income Plan

It provides
regular
income

Except NRI
All eligible

Min=
Rs.1000
Max= nil

Min= 1yr
Max=10
yrs

As per
maturity
period
Tds applicable

RIRD

Increasing
rate of
interest for
long period

Same as
above

Min=
Rs.1000
Max= nil

Same as
above

Interest
ompounded
quarterly &
Credited half
yearly

Baroda
Capital Gain
Account
Scheme

Avail tax
exemption
from capital
gain u/s
54(f)(4) of
IT Act 1961

Everyone
can avail if
investment
is made
within 2 yrs
for
purchase &
3 yrs for
construction

All are
eligible

Minimum
- 12
months.
Maximum
- 120
months.

An additional
0.50% interest
for senior
citizens
(applicable
only for
deposits of Rs.

Monthly
for those
Income Plan individuals
who
regularly
need
money to
supplement

minimum
amount of
Rs. 1,000/and
subsequent
deposits in
multiples

Products

Features

Eligibility

BARODA
Advantage
Fixed
DepositsAcco
unts (Non
Callable)

Depositor
gets
differential
rates interest
over normal
FD rates
Min. 15 .01
lakhs
Max 10 crore

An individual
in his own
name.
Jointly by
more than
one
individuals.

Minimum 12 months.
Maximum 120 Months

.1% for
amount up to
1 crore,.05%
for amount
more than 1
crore till 10
crore over
the usual
rates.

Income tax
payers like
salaried
persons,
higher and
middleincome
group, retired
persons etc.
Not firms.

Minimum 5
years with a
maximum
tenure up to
10 years.

Interest will
be computed
on quarterly
basis.
Interest on
the deposit
is liable to
tax / TDS

Minimum 12 months

Interest will
be

Baroda Tax Tax benefits

Savings Term up to 1.5
Deposit
lakhs
Min . 100/-

BOB Suvidha Offers dual

All eligible.
Fixed Deposit advantage of

Period

Interest

THANK YOU!