In time or on time?

I arrived at the bus stop in time.
I arrived at the bus stop on time.

“In time” usually has an implicit “for (some event)”, whereas “on time” means “before some deadline”. The “event” could be a deadline, but in that case “on time” is much more common.

I got there in time – meaning “in time for some event which is assumed to be known”.

I got there in time for the express bus to the city.
I delivered the coffee in time for her to drink it before the exam.
I got to the airport in time (for)/(to catch) the last flight to Sydney.

I got there on time – meaning “before the deadline” – which may be known to the hearer, but does not need to be, because the phrase itself implies a deadline as opposed to some other event.

The express train is scheduled to arrive on time at 10:10AM.
Despite the bad weather, the project was completed on time.

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