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Fixed deposit comparison

HDFC Bank Five-Year Tax Saving Fixed Deposit vs Bank of Baroda bob Tax Saving Fixed Deposit

Compare HDFC Bank Five-Year Tax Saving Fixed Deposit and Bank of Baroda bob Tax Saving Fixed Deposit using the controlling cost, balance, rate, tenure, liquidity, limits, eligibility and current first-party bank evidence for this product type.

Fixed deposit comparison

HDFC Bank Five-Year Tax Saving Fixed Deposit vs Bank of Baroda bob Tax Saving Fixed Deposit

Compare the two source-backed records without collapsing unlike conditions into a winner score.

Latest underlying reviewSeptember 10, 2026
HDFC BankHDFC Bank Five-Year Tax Saving Fixed Deposit

Eligible resident individuals or HUFs using a deduction-eligible tax regime who want a large-bank five-year locked deposit and can accept taxable interest plus no normal liquidity during the lock-in.

Cost / pricing
The product uses HDFC Bank’s prevailing five-year deposit rate. The current sub-₹3 crore schedule applicable from 19 August 2026 places the exact five-year bucket at 6.40% p.a. general and 6.90% p.a. for eligible resident senior citizens.
Reviewed
September 10, 2026
Evidence
3 bank sources
Open product research
Bank of BarodaBank of Baroda bob Tax Saving Fixed Deposit

Eligible Bank of Baroda customers who want a public-sector tax saver with multiple payout variants and can verify the live prevailing five-year rate before booking.

Cost / pricing
Bank of Baroda states that the product uses the prevailing fixed-deposit rate and gives eligible resident senior citizens an additional rate under current guidelines. The exact current five-year numeric row remains refresh-gated in this review.
Reviewed
September 10, 2026
Evidence
2 bank sources
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bankingreference.info · Comparison research sheet

HDFC Bank Five-Year Tax Saving Fixed Deposit vs Bank of Baroda bob Tax Saving Fixed Deposit

Prepared 14 Sep 2026 · Source page: https://bankingreference.info/compare-banking/hdfc-five-year-tax-saving-fixed-deposit-vs-bob-tax-saving-fixed-deposit/

General product research only. Recheck the listed first-party sources before acting because product terms can change after the recorded review dates.

Decision checkpoints

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Each checkpoint reproduces the recorded product fields instead of assigning a winner. Read the condition, scope and missing-data state before treating a difference as useful to you.

01Are you comparing the same customer, amount and tenure?Start with the eligible customer or relationship and any balance, funding or tenure requirement.

HDFC Bank Five-Year Tax Saving Fixed Deposit

Taxpayer / regime eligibility
Resident individuals and HUFs under current HDFC Bank product/KYC rules; in a joint deposit, the deduction is attached to the first holder subject to tax law.
Qualifying amount / lock-in
Minimum ₹5,000 and thereafter in ₹100 multiples; maximum qualifying tax-saving deposit ₹1.5 lakh in a financial year; mandatory five-year lock-in.

Bank of Baroda bob Tax Saving Fixed Deposit

Taxpayer / regime eligibility
Individuals and HUFs; firms, companies, trusts, societies, clubs, institutions and corporates are excluded by the current product page.
Qualifying amount / lock-in
Minimum ₹100 and thereafter in ₹100 multiples; maximum ₹1.5 lakh in a financial year for the qualifying investment; minimum five years and maximum ten years.
02Which dated rate schedule applies to that deposit?Match the customer category, currency, amount, tenure and effective date before comparing quoted rates. No return is calculated here.

HDFC Bank Five-Year Tax Saving Fixed Deposit

Current five-year rate evidence
The product uses HDFC Bank’s prevailing five-year deposit rate. The current sub-₹3 crore schedule applicable from 19 August 2026 places the exact five-year bucket at 6.40% p.a. general and 6.90% p.a. for eligible resident senior citizens.

Bank of Baroda bob Tax Saving Fixed Deposit

Current five-year rate evidence
Bank of Baroda states that the product uses the prevailing fixed-deposit rate and gives eligible resident senior citizens an additional rate under current guidelines. The exact current five-year numeric row remains refresh-gated in this review.
03What happens if you need the money before maturity?Read the full liquidity and relationship conditions, including any recorded early-exit or payment restrictions.

HDFC Bank Five-Year Tax Saving Fixed Deposit

Preclosure / loan restriction
Normal premature withdrawal/partial liquidity and loan-style access should not be assumed during the five-year tax-saver lock; death-related settlement follows the bank’s applicable process.
Tax-law / maturity condition
A tax-saving FD is a locked tax-law product, not an ordinary callable five-year FD. The prevailing five-year rate at booking controls; monthly payout can use a discounted payout rate.

Bank of Baroda bob Tax Saving Fixed Deposit

Preclosure / loan restriction
Normal premature withdrawal before maturity is not allowed; Bank of Baroda documents a death-related prepayment exception. Loan/advance treatment should not be generalized from ordinary callable deposits.
Tax-law / maturity condition
On maturity Bank of Baroda documents product-specific maturity/renewal handling; the live prevailing FD rate and maturity instruction control rather than an evergreen headline percentage.
Other maintained comparisons for HDFC Bank Five-Year Tax Saving Fixed DepositOther maintained comparisons for Bank of Baroda bob Tax Saving Fixed Deposit
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Banking product terms side by side for HDFC Bank Five-Year Tax Saving Fixed Deposit and Bank of Baroda bob Tax Saving Fixed Deposit
Decision factorHDFC Bank Five-Year Tax Saving Fixed DepositBank of Baroda bob Tax Saving Fixed Deposit
Current five-year rate evidenceThe product uses HDFC Bank’s prevailing five-year deposit rate. The current sub-₹3 crore schedule applicable from 19 August 2026 places the exact five-year bucket at 6.40% p.a. general and 6.90% p.a. for eligible resident senior citizens.Bank of Baroda states that the product uses the prevailing fixed-deposit rate and gives eligible resident senior citizens an additional rate under current guidelines. The exact current five-year numeric row remains refresh-gated in this review.
Qualifying amount / lock-inMinimum ₹5,000 and thereafter in ₹100 multiples; maximum qualifying tax-saving deposit ₹1.5 lakh in a financial year; mandatory five-year lock-in.Minimum ₹100 and thereafter in ₹100 multiples; maximum ₹1.5 lakh in a financial year for the qualifying investment; minimum five years and maximum ten years.
Deduction context / payoutEligible deposit principal may qualify within the aggregate Section 123 / Schedule XV deduction framework; monthly or quarterly payout can be selected, while reinvestment compounds quarterly. Interest itself remains taxable.RIRD reinvestment, monthly-interest and quarterly-interest variants; qualifying principal can fall within the current aggregate statutory deduction framework. Interest remains taxable/TDS-applicable.
Preclosure / loan restrictionNormal premature withdrawal/partial liquidity and loan-style access should not be assumed during the five-year tax-saver lock; death-related settlement follows the bank’s applicable process.Normal premature withdrawal before maturity is not allowed; Bank of Baroda documents a death-related prepayment exception. Loan/advance treatment should not be generalized from ordinary callable deposits.
Taxpayer / regime eligibilityResident individuals and HUFs under current HDFC Bank product/KYC rules; in a joint deposit, the deduction is attached to the first holder subject to tax law.Individuals and HUFs; firms, companies, trusts, societies, clubs, institutions and corporates are excluded by the current product page.
Tax-law / maturity conditionA tax-saving FD is a locked tax-law product, not an ordinary callable five-year FD. The prevailing five-year rate at booking controls; monthly payout can use a discounted payout rate.On maturity Bank of Baroda documents product-specific maturity/renewal handling; the live prevailing FD rate and maturity instruction control rather than an evergreen headline percentage.
Wrong-fit risks

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A useful comparison shows what can make either option unsuitable instead of averaging those conditions into a score.

HDFC Bank

HDFC Bank Five-Year Tax Saving Fixed Deposit

  • The deduction is part of the aggregate ₹1.5 lakh Section 123 / Schedule XV framework and is not available under the new concessional tax regime under Section 202; individual tax circumstances can differ.
  • The deposit deduction and the taxation of FD interest are separate: interest can be taxable/TDS-applicable.
  • From 1 April 2026, current tax-year references should use Section 123 read with Schedule XV of the Income-tax Act, 2025; some bank product copy still uses the legacy Section 80C label.
  • A current regular five-year rate should not be confused with HDFC’s 5-years-1-day-to-10-years bucket.
Bank of Baroda

Bank of Baroda bob Tax Saving Fixed Deposit

  • The deduction is part of the aggregate ₹1.5 lakh Section 123 / Schedule XV framework and is not available under the new concessional tax regime under Section 202; individual tax circumstances can differ.
  • From 1 April 2026, current tax-year references should use Section 123 read with Schedule XV of the Income-tax Act, 2025; some bank product copy still uses the legacy Section 80C label.
  • The exact current five-year numeric rate is refresh-gated because the reviewed product page points to the prevailing rate without exposing a safely normalized current five-year figure.
  • The bank page contains legacy TDS/form wording; current Income-tax Act 2025 processes control from April 2026.
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Independent source state

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Bank of Baroda

Bank of Baroda bob Tax Saving Fixed Deposit

Reviewed
September 10, 2026
Attached first-party sources
2
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First-party source appendix

These are the exact source URLs already attached to the two research records. Re-open the controlling documents before relying on a fee, rate, limit, eligibility rule or benefit.

HDFC Bank Five-Year Tax Saving Fixed Deposit

Reviewed September 10, 2026 · 3 attached first-party sources

  1. Issuer product pagehttps://www.hdfc.bank.in/fixed-deposit/five-year-tax-saving-fixed-deposit
  2. Fee / charge schedulehttps://www.hdfc.bank.in/fixed-deposit/five-year-tax-saving-fixed-deposit/fees-and-charges
  3. Issuer product pagehttps://www.hdfc.bank.in/fixed-deposit/fd-interest-rate

Bank of Baroda bob Tax Saving Fixed Deposit

Reviewed September 10, 2026 · 2 attached first-party sources

  1. Issuer product pagehttps://bankofbaroda.bank.in/accounts/term-deposit/fixed-deposit/tax-saving-fixed-deposit
  2. Issuer product pagehttps://bankofbaroda.bank.in/accounts/term-deposit/fixed-deposit