Interest Rates on Deposit (AED) w.e.f. 01/01/2022

Tenor ROI
1 month to below 3 months 0.15%
3 months to below 6 months 0.30%
6 months to below 1 year 0.40%
1 year to below 24 months 0.60%
24 months to below 36 months 0.80%
36 months0.90%

*Terms: Rates are subject to change from time to time and Negotiable.


Interest Rates on Deposit (USD) w.e.f. 01/01/2022

Rate of Interest for amount upto USD 10 million

Tenor ROI
1 month to below 3 months0.10%
3 months to below 6 months 0.20%
6 months to below 1 year 0.30%
1 year to below 24 months 0.50%
24 months to below 36 months 0.80%
36 months 0.90%

*Terms: Rates are subject to change from time to time and Negotiable.


Rate of Interest for amount above USD 10 million

Tenor ROI
1 month to below 3 months 0.10%
3 months to below 6 months 0.25%
6 months to below 1 year 0.35%
1 year to below 24 months 0.60%
24 months to below 36 months 0.80%
36 months 0.90%

*Terms: Rates are subject to change from time to time and negotiable.


Interest Rates on Recurring Deposit w.e.f. 08/10/2020:-

Months ROI(AED) ROI(USD)
12 0.75% 0.75%
24 0.80% 0.80%
36 0.80% 0.80%
48 0.80% 0.80%
60 0.80% 0.80%

*Terms: Rates are subject to change from time to time and Negotiable.


Rate of interest on various deposits (including NRI Deposits) and advances in India please click here

The maximum deposit acceptable under Baroda Smart Deposit is AED 10 million / USD 5 million.

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