Serving permanent, confirmed and regular Central Government employees and subordinate/attached offices
age 18–60. Existing holders may continue up to age 70 when pension is credited to the same account.
Not published
Zero balance requirement.
The page does not publish a separate rate. It is a salary savings account, so the applicable percentage is the live Bank of Baroda Savings Bank Deposits schedule by balance slab
the schedule currently shows 2.50% p.a. up to balances below ₹50 crore, then 2.75%–4.75% p.a. at higher slabs.
Serving permanent, confirmed and regular Central or State Government employees, employees, local-body employees and employees of companies with major government holding
age 18–60.
Not published
Zero-balance account for the salary scheme
a complementary zero-balance spouse account is also listed.
The page does not publish a separate government-salary rate. The account is a savings account and the applicable percentage is the live Bank of Baroda Savings Bank Deposits schedule by balance slab.
Serving permanent, confirmed and regular civilian employees of the Government of Tamil Nadu
age 18–60, with continuation up to 70 when pension is credited to the same account.
Not published
Complementary zero-balance account is available for the spouse
salary-package accounts are operated under the scheme’s zero-balance structure.
No TN salary-package-specific rate is published. The account is a savings account and uses the live Bank of Baroda Savings Bank Deposits schedule by balance slab.
Regular employees of Tamil Nadu police, fire and rescue, forest and related non-civilian forces
benefits start after one month’s salary credit followed by regular salary credit
age 18–60 or retirement age, whichever is earlier.
Not published
No separate minimum-balance amount is published for the salary-package account while salary/pension credit conditions are met
package benefits depend on the required regular credit rather than an figure.
No TN salary-package-specific rate is published. The account is a savings account and uses the live Bank of Baroda Savings Bank Deposits schedule by balance slab.
Central government employees opening or converting a BOI salary account
the page requires a signed employee undertaking and employer confirmation.
Not published
General, pension, Nari Shakti and salary accounts publish nil/no daily minimum-balance requirements
Savings Plus uses a ₹1,00,000 threshold for its sweep/charge rules. Tiered reference points are ₹10,000, ₹1,00,000, ₹5,00,000 and ₹10,00,000.
BOI describes the savings component as earning the savings rate advised by the Bank from time to time
the reviewed product pages do not publish a fixed numeric percentage. Savings Plus applies the prevailing savings rate to its component and applicable card rates to its component.
General, pension, Nari Shakti and salary accounts publish nil/no daily minimum-balance requirements
Savings Plus uses a ₹1,00,000 threshold for its sweep/charge rules. Tiered reference points are ₹10,000, ₹1,00,000, ₹5,00,000 and ₹10,00,000.
BOI describes the savings component as earning the savings rate advised by the Bank from time to time
the reviewed product pages do not publish a fixed numeric percentage. Savings Plus applies the prevailing savings rate to its component and applicable card rates to its component.
General, pension, Nari Shakti and salary accounts publish nil/no daily minimum-balance requirements
Savings Plus uses a ₹1,00,000 threshold for its sweep/charge rules. Tiered reference points are ₹10,000, ₹1,00,000, ₹5,00,000 and ₹10,00,000.
BOI describes the savings component as earning the savings rate advised by the Bank from time to time
the reviewed product pages do not publish a fixed numeric percentage. Savings Plus applies the prevailing savings rate to its component and applicable card rates to its component.
General, pension, Nari Shakti and salary accounts publish nil/no daily minimum-balance requirements
Savings Plus uses a ₹1,00,000 threshold for its sweep/charge rules. Tiered reference points are ₹10,000, ₹1,00,000, ₹5,00,000 and ₹10,00,000.
BOI describes the savings component as earning the savings rate advised by the Bank from time to time
the reviewed product pages do not publish a fixed numeric percentage. Savings Plus applies the prevailing savings rate to its component and applicable card rates to its component.
, , , , , , Railway Protection Force and Railway Protection Special Force personnel
Gold for Subedar Major through Constable ranks
Diamond for Deputy and Assistant Commandants
Platinum for Commandant and Second-in-Command
Rhodium for Director General through Deputy Inspector General
Zero-balance account
2.50% p.a. across all savings-bank account balances, effective 15 June 2025
Unlimited transactions at in India without charge
For 4 April 2026 through 3 April 2027: personal-accident death ₹1 crore, air-accident death ₹1 crore, permanent total disability up to ₹1 crore and permanent partial disability up to ₹1 crore
100% waiver on Personal Loan and Home Loan processing fees
title-investigation, valuation and similar charges remain payable where applicable
Personnel of the Indian Army, Indian Navy, Indian Air Force, Assam Rifles, Rashtriya Rifles and /
retired personnel may use -Pension
Gold for personnel below officer rank or listed equivalent groups
Diamond, Platinum and Rhodium for progressively senior service-specific officer ranks
Zero-balance account
2.50% p.a. across all savings-bank account balances, effective 15 June 2025
Unlimited transactions at in India without charge
For 4 April 2026 through 3 April 2027: personal-accident death ₹1 crore, air-accident death ₹1 crore, permanent total disability up to ₹1 crore and permanent partial disability up to ₹1 crore
100% waiver on Personal Loan and Home Loan processing fees
actual title-investigation, valuation and similar charges remain payable where applicable
Serving Indian Coast Guard personnel with salary accounts at
retired personnel may open or convert to -Pension
Gold for listed PBOR, technical and enrolled-follower ranks
Diamond for Deputy or Assistant Commandant
Platinum for Commandant (JG) or Commandant
Rhodium for Director General through Deputy Inspector General
Zero-balance account
2.50% p.a. across all savings-bank account balances, effective 15 June 2025
Unlimited transactions at in India without charge
For 4 April 2026 through 3 April 2027: personal-accident death ₹1 crore, air-accident death ₹1 crore, permanent total disability up to ₹1 crore and permanent partial disability up to ₹1 crore
100% waiver on Personal Loan and Home Loan processing fees
title-investigation, valuation and similar charges remain payable where applicable
Permanent employees of state governments, Union Territories and state boards, including teachers and professors of qualifying aided schools, colleges and universities
Silver ₹10,000–₹25,000
Gold above ₹25,000–₹50,000
Diamond above ₹50,000–₹1 lakh
Platinum above ₹1 lakh–₹2 lakh
Rhodium above ₹2 lakh
Zero-balance account
2.50% p.a. across all savings-bank account balances, effective 15 June 2025
Unlimited transactions across without charge
Personal-accident death cover up to ₹20 lakh and air-accident death cover up to ₹30 lakh
Selected personal, home, car and education loans at package rates, with up to 50% off processing fees
Green marks the most favourable compatible published number or range in each column; incomparable units and overlapping range trade-offs remain neutral. It does not account for eligibility, service, exclusions or personal suitability.