GBP Fixed Term Deposit (over 3 years to under 4 years)

What you'd earn

You'd earn about £1,908.44 in 37 months, before any tax.

Worked out from the AER. Variable rates can change.

The conditions in plain English

Access

Early-withdrawal terms are not stated on the bank's rates page.

Minimum

£1,000

Maximum

£100,000

Interest paid

Once a year

Manage by

Branch

Who can apply

Rate applies to any term over 3 years to under 4 years; termMonths shows the shortest term in the band. Retail rates apply to deposits up to £100,000 (page: 'applicable for Retail Customers for deposit upto 100000'). Open at a UK branch (London, Birmingham, Leicester, Wembley, Glasgow); no online application shown. Interest payment frequency and early-withdrawal terms not stated on the rates page. Rates w.e.f. 11/09/2026 as printed.

Where we read it

Bank of India (UK)'s own page, 3 November 2026. We read this rate from the bank's own page by hand and recheck it at least weekly

Who holds your money

Deposit-taker

Bank of India (UK), a trading name of Bank of India

Incorporated in

India

Principal place of business

United Kingdom (UK branch, 63 Queen Victoria Street, London EC4N 4UA)

Regulated

Yes, by the Prudential Regulation Authority, Financial Conduct Authority and Reserve Bank of India (FRN 204629)

Protection and disputes

Financial Services Compensation Scheme and Financial Ombudsman Service

Capital

Paid-up capital and reserves of £7.4bn (shareholders' equity of Bank of India, of which the UK operation is a branch) at 31 March 2026 (latest published accounts).

FSCS protection

Up to £120,000 per person is protected across everything you hold with Bank of India.

Check your total protection

Rate history

Juno started tracking this rate on 2026-11-03. A history builds up from here.