Bank Of India Super Special Deposit Account - Star Super Special Deposit Account

The BOI Super Special Deposit Account, also known as the Star Super Special Deposit Account, caters to those seeking high returns on their investments. This Bank of India scheme is ideal for high-net-worth individuals, Hindu Undivided Families, trusts, companies, and investors looking for a competitive interest rate. While it offers potentially higher returns than regular fixed deposits, your money remains secure with the bank.

Guaranteed Returns

Includes Life Cover

Completely Tax Free+

3 Benefits, 1 Plan

Maximum returns offered by:

6.9%^* (Tax-Free)

Guaranteed Plan

(By Insurance companies)

4.6%^* (After Tax)

Fixed Deposit

(Offered by Banks)

4.0%^*

Savings Account

(Post Office)

Get Guaranteed returns upto 6.9%*

Fully Tax-Free, Life Cover Included

+91

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BOI FD Interest Rates 2025

FD Interest Rates for Deposits of Rs.10 Cr & Above W.E.F 14-05-2024

Maturity Buckets	10 Crore And Above But Less Than 50 Crore (%)	50 Crore And Above (%)
7 days to 14 days	6.25	6.25
15 days to 30 days	6.25	6.25
31 days to 45 days	6.35	6.35
46 days to 90 days	6.50	6.50
91 days to 120 days	6.75	6.75
121 days to 174 days	7.40	7.40
175 days	7.40	7.40
176 days to 179 days	7.40	7.40
180 days to 269 days	7.40	7.40
270 days to less than 1 Year	7.40	7.40
1 Year	7.50	7.50
Above 1 Year but less than 2 Years	7.15	7.15
2 Years and above but less than 3 Years	4.50	4.50
3 Years and above to less than 5 Years	4.50	4.50
5 Years and above to less than 8 Years	4.50	4.50
8 Years and above to 10 Years	4.50	4.50

Annualized Rates

Below are the annualised rates for:

For deposits less than Rs.2 Cr
For deposits of Rs.2 Cr & above but less than Rs.10 Cr

Maturity	Rate Of Interest % (P.A.) For Deposits Less Than Rs.2 Cr	Annualized Rate Of Return At Minimum Of The Maturity Bucket % For Deposits Less Than Rs.2 Cr	Rate Of Interest % (P.A.) For Deposits Of Rs.2 Cr & Above But Less Than Rs.10 Cr	Annualized Rate Of Return At Minimum Of The Maturity Bucket % For Deposits Of Rs.2 Cr & Above But Less Than Rs.10 Cr
180 days to 210 days	5.50	5.54	6.25	6.30
211 days to 269 days	5.50	5.54	6.50	6.61
270 days to less than 1 Year	5.75	5.83	6.50	6.61
1 Year	6.80	6.98	7.25	7.45
Above 1 Year to less than 2 Years	6.80	6.98	6.75	6.92
2 Years	7.25	7.73	6.50	6.88
Above 2 Years to less than 3 Years	6.75	7.16	6.50	6.88
3 Years to less than 5 Years	6.50	7.11	6.00	6.52
5 Years to less than 8 Years	6.00	6.94	6.00	6.94
8 Years & above to 10 Years	6.00	7.63	6.00	7.63

People also read: BOI FD Interest Rates

Rate For Senior Citizen Deposits Less Than Rs. 2 Cr. W.E.F 01.04.2024

Maturity	For Deposits Of Less Than Rs. 2 Cr. For Senior Citizens (%)	For Deposits Of Less Than Rs. 2 Cr. For Super Senior Citizens (%)
07 days to 14 days	3.00	3.00
15 days to 30 days	3.00	3.00
31 days to 45 days	3.00	3.00
46 days to 90 days	4.50	4.50
91 days to 179 days	4.50	4.50
180 days to 210 days	6.00	6.15
211 days to 269 days	6.00	6.15
270 days to less than 1 Year	6.25	6.40
1 Year	7.30	7.45
Above 1 Year to less than 2 Years	7.30	7.45
2 Years	7.75	7.90
Above 2 Years to less than 3 Years	7.25	7.40
3 Years to less than 5 Years	7.25	7.40
5 Years to less than 8 Years	6.75	6.90
8 Years & above to 10 Years	6.75	6.90

Annualised Rate For Senior Citizen Deposits for Less Than Rs. 2 Cr. W.E.F 01.04.2024

Maturity	Rate Of Interest % (P.A.) For Senior Citizens	*Annualized Rate Of Return At Minimum Of The Maturity Bucket % For Senior Citizens**	Rate Of Interest % (P.A.) For Super Senior Citizens	*Annualized Rate Of Return At Minimum Of The Maturity Bucket % For Super Senior Citizens**
180 days to 210 days	6.00	6.04	6.15	6.20
211 days to 269 days	6.00	6.04	6.15	6.20
270 days to less than 1 Year	6.25	6.35	6.40	6.50
1 Year	7.30	7.43	7.45	7.59
Above 1 Year to less than 2 Years	7.30	7.50	7.45	7.66
2 Years	7.75	8.30	7.90	8.47
Above 2 Years to less than 3 Years	7.25	7.73	7.40	7.90
3 Years to less than 5 Years	7.25	8.02	7.40	8.20
5 Years to less than 8 Years	6.75	7.95	6.90	8.16
8 Years & above to 10 Years	6.75	8.85	6.90	9.11

What is BOI Super Special Deposit Account- Star Super Special Deposit Account?

The BOI Super Special Deposit Account, also known as the Star Super Special Deposit Account, is a unique fixed deposit scheme offered by the Bank of India specifically designed for high-net-worth individuals and entities seeking high returns on their investments.

People also read: FD Interest Rates

Features of BOI Super Special Deposit Account- Star Super Special Deposit Account

High Minimum Deposit: Invest any amount from Rs. 2 Crore to less than Rs. 50 Crore.
Industry-Leading Interest Rate: Earn a lucrative 7.50% return on investment (ROI).
Fixed Tenure: Lock in your funds for a specific period of 175 days.
Easy Liquidity Options:
- Use the deposit as collateral for loans.
- Premature withdrawal is permitted (though terms may apply).

FD interest rates India have fallen consistently over the last 12 years.

Invest in Plans that offer Guaranteed Returns for over 25 Years

Rupee Term Deposit Rate - Additional Rate

Type Of Accounts	Additional Staff Rate Applicable To Staff/Ex-Staff	Additional Senior Citizen Rate Applicable To Senior Citizen/Ex-Staff Senior Citizen
HUF	Not Applicable	Not Applicable
Capital Gain Scheme	Not Applicable	Not Applicable
NRE/NRO Deposits	Not Applicable	Not Applicable

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Rupee Term Deposit Rate - Penalty Details

Category Of The Deposits	Penalty On Premature Withdrawal Of The Deposit
Deposits less than Rs. 5 Lacs withdrawn on or after completion of 12 months	NIL
Deposits less than Rs. 5 Lacs withdrawn prematurely before completion of 12 months	0.50%
Deposits of Rs. 5 Lacs & above withdrawn prematurely	1.00%

Early Closure:

No penalty if the deposit is prematurely closed for renewal for a longer term than the remaining original term.
No penalty for withdrawal due to the depositor's death.
No penalty for withdrawal by bank staff, ex-staff, senior staff/ex-staff, or spouse of deceased staff (if first account holder).
Penalty applies for premature closure of Capital Gain Account Scheme deposits.

TDS on Term Deposits: