the comparison applies to resident individual customers (eligibility varies by variant).
Variant-specific monthly average balance: bob Super Savings ₹20,000
bob Professional Savings ₹25,000
bob Platinum ₹1,00,000
bob Senior Citizen Vishesh Samman ₹1,00,000
bob Women Sapphire ₹1,00,000.
2.50% p.a.up to ₹50 crore
2.75%from ₹50 crore to below ₹500 crore
3.50%from ₹500 crore to below ₹1,000 crore
4.50%from ₹1,000 crore to below ₹2,000 crore
4.75% from ₹2,000 crore and above.
₹0 under the official comparison schedule's waiver effective 1 July 2025
the live product page still displays the earlier 6% shortfall charge
↓
Unlimited cheque leaves are free for bob Super Savings, bob Platinum, bob Senior Citizen Vishesh Samman and bob Women Sapphire. bob Professional Savings includes 50 free cheque leaves per year
beyond 50, the table lists ₹4 per leaf in metro/urban branches or ₹2.50 per leaf in rural/semi-urban branches.
Card choices and scheme benefits: Super Savings permits any debit-card variant
Professional Savings provides RuPay Select (first year free) and Visa Platinum on request
Platinum provides Visa Platinum chip card, lifetime free
Senior Citizen Vishesh Samman provides bob Bhoomi RuPay Select with one domestic lounge per quarter (₹5,000 minimum spend), two international lounges per year and listed lifestyle benefits
Women Sapphire provides bob Bhoomi RuPay Select
issuance and renewal charges are variant-specific.
the comparison applies to resident individual customers (eligibility varies by variant).
Variant-specific monthly average balance: bob Super Savings ₹20,000
bob Professional Savings ₹25,000
bob Platinum ₹1,00,000
bob Senior Citizen Vishesh Samman ₹1,00,000
bob Women Sapphire ₹1,00,000.
2.50% p.a.up to ₹50 crore
2.75%from ₹50 crore to below ₹500 crore
3.50%from ₹500 crore to below ₹1,000 crore
4.50%from ₹1,000 crore to below ₹2,000 crore
4.75% from ₹2,000 crore and above.
6% of actual monthly shortfall, minimum ₹50 and maximum ₹200
50 per year
Card choices and scheme benefits: Super Savings permits any debit-card variant
Professional Savings provides RuPay Select (first year free) and Visa Platinum on request
Platinum provides Visa Platinum chip card, lifetime free
Senior Citizen Vishesh Samman provides bob Bhoomi RuPay Select with one domestic lounge per quarter (₹5,000 minimum spend), two international lounges per year and listed lifestyle benefits
Women Sapphire provides bob Bhoomi RuPay Select
issuance and renewal charges are variant-specific.
the comparison applies to resident individual customers (eligibility varies by variant).
Variant-specific monthly average balance: bob Super Savings ₹20,000
bob Professional Savings ₹25,000
bob Platinum ₹1,00,000
bob Senior Citizen Vishesh Samman ₹1,00,000
bob Women Sapphire ₹1,00,000.
2.50% p.a.up to ₹50 crore
2.75%from ₹50 crore to below ₹500 crore
3.50%from ₹500 crore to below ₹1,000 crore
4.50%from ₹1,000 crore to below ₹2,000 crore
4.75% from ₹2,000 crore and above.
₹0 under the official comparison schedule's waiver effective 1 July 2025
the live product page still displays the earlier 6% shortfall charge
↓
Unlimited cheque books and unlimited / banker's cheque / pay order for personal needs
Card choices and scheme benefits: Super Savings permits any debit-card variant
Professional Savings provides RuPay Select (first year free) and Visa Platinum on request
Platinum provides Visa Platinum chip card, lifetime free
Senior Citizen Vishesh Samman provides bob Bhoomi RuPay Select with one domestic lounge per quarter (₹5,000 minimum spend), two international lounges per year and listed lifestyle benefits
Women Sapphire provides bob Bhoomi RuPay Select
issuance and renewal charges are variant-specific.
the comparison applies to resident individual customers (eligibility varies by variant).
Variant-specific monthly average balance: bob Super Savings ₹20,000
bob Professional Savings ₹25,000
bob Platinum ₹1,00,000
bob Senior Citizen Vishesh Samman ₹1,00,000
bob Women Sapphire ₹1,00,000.
2.50% p.a.up to ₹50 crore
2.75%from ₹50 crore to below ₹500 crore
3.50%from ₹500 crore to below ₹1,000 crore
4.50%from ₹1,000 crore to below ₹2,000 crore
4.75% from ₹2,000 crore and above.
₹0 under the official comparison schedule's waiver effective 1 July 2025
the live product page still displays the earlier 6% shortfall charge
↓
Unlimited cheque leaves are free for bob Super Savings, bob Platinum, bob Senior Citizen Vishesh Samman and bob Women Sapphire. bob Professional Savings includes 50 free cheque leaves per year
beyond 50, the table lists ₹4 per leaf in metro/urban branches or ₹2.50 per leaf in rural/semi-urban branches.
Card choices and scheme benefits: Super Savings permits any debit-card variant
Professional Savings provides RuPay Select (first year free) and Visa Platinum on request
Platinum provides Visa Platinum chip card, lifetime free
Senior Citizen Vishesh Samman provides bob Bhoomi RuPay Select with one domestic lounge per quarter (₹5,000 minimum spend), two international lounges per year and listed lifestyle benefits
Women Sapphire provides bob Bhoomi RuPay Select
issuance and renewal charges are variant-specific.
salary-account products are salary savings accounts.
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.
No daily minimum-balance charge is published for the general, pension, Nari Shakti or salary accounts
the savings-account pages explicitly state nil/no charges. Savings Plus separately publishes ₹200 per quarter if its ₹1,00,000 is not maintained.
Cheque concessions depend on the savings-account tier: first 25 leaves for Normal, 25 annually for Classic, 25 per quarter for Gold, 50 per quarter for Diamond and unlimited for Platinum. Pension and salary variants publish their own concessions
confirm the account category at opening.
The account-category tables link cards by tier: RuPay for Normal, Visa Classic/RuPay for Classic, RuPay Platinum/RuPay for Gold, RuPay Select/RuPay for Diamond and Visa Signature/RuPay for Platinum. First issuance is waived for applicable schemes
salary-account products are salary savings accounts.
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.
No daily minimum-balance charge is published for the general, pension, Nari Shakti or salary accounts
the savings-account pages explicitly state nil/no charges. Savings Plus separately publishes ₹200 per quarter if its ₹1,00,000 is not maintained.
Cheque concessions depend on the savings-account tier: first 25 leaves for Normal, 25 annually for Classic, 25 per quarter for Gold, 50 per quarter for Diamond and unlimited for Platinum. Pension and salary variants publish their own concessions
confirm the account category at opening.
The account-category tables link cards by tier: RuPay for Normal, Visa Classic/RuPay for Classic, RuPay Platinum/RuPay for Gold, RuPay Select/RuPay for Diamond and Visa Signature/RuPay for Platinum. First issuance is waived for applicable schemes
salary-account products are salary savings accounts.
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.
No daily minimum-balance charge is published for the general, pension, Nari Shakti or salary accounts
the savings-account pages explicitly state nil/no charges. Savings Plus separately publishes ₹200 per quarter if its ₹1,00,000 is not maintained.
Cheque concessions depend on the savings-account tier: first 25 leaves for Normal, 25 annually for Classic, 25 per quarter for Gold, 50 per quarter for Diamond and unlimited for Platinum. Pension and salary variants publish their own concessions
confirm the account category at opening.
The account-category tables link cards by tier: RuPay for Normal, Visa Classic/RuPay for Classic, RuPay Platinum/RuPay for Gold, RuPay Select/RuPay for Diamond and Visa Signature/RuPay for Platinum. First issuance is waived for applicable schemes
salary-account products are salary savings accounts.
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.
No daily minimum-balance charge is published for the general, pension, Nari Shakti or salary accounts
the savings-account pages explicitly state nil/no charges. Savings Plus separately publishes ₹200 per quarter if its ₹1,00,000 is not maintained.
Cheque concessions depend on the savings-account tier: first 25 leaves for Normal, 25 annually for Classic, 25 per quarter for Gold, 50 per quarter for Diamond and unlimited for Platinum. Pension and salary variants publish their own concessions
confirm the account category at opening.
The account-category tables link cards by tier: RuPay for Normal, Visa Classic/RuPay for Classic, RuPay Platinum/RuPay for Gold, RuPay Select/RuPay for Diamond and Visa Signature/RuPay for Platinum. First issuance is waived for applicable schemes
salary-account products are salary savings accounts.
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.
No daily minimum-balance charge is published for the general, pension, Nari Shakti or salary accounts
the savings-account pages explicitly state nil/no charges. Savings Plus separately publishes ₹200 per quarter if its ₹1,00,000 is not maintained.
Cheque concessions depend on the savings-account tier: first 25 leaves for Normal, 25 annually for Classic, 25 per quarter for Gold, 50 per quarter for Diamond and unlimited for Platinum. Pension and salary variants publish their own concessions
confirm the account category at opening.
The account-category tables link cards by tier: RuPay for Normal, Visa Classic/RuPay for Classic, RuPay Platinum/RuPay for Gold, RuPay Select/RuPay for Diamond and Visa Signature/RuPay for Platinum. First issuance is waived for applicable schemes
salary-account products are salary savings accounts.
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.
No daily minimum-balance charge is published for the general, pension, Nari Shakti or salary accounts
the savings-account pages explicitly state nil/no charges. Savings Plus separately publishes ₹200 per quarter if its ₹1,00,000 is not maintained.
Cheque concessions depend on the savings-account tier: first 25 leaves for Normal, 25 annually for Classic, 25 per quarter for Gold, 50 per quarter for Diamond and unlimited for Platinum. Pension and salary variants publish their own concessions
confirm the account category at opening.
The account-category tables link cards by tier: RuPay for Normal, Visa Classic/RuPay for Classic, RuPay Platinum/RuPay for Gold, RuPay Select/RuPay for Diamond and Visa Signature/RuPay for Platinum. First issuance is waived for applicable schemes
salary-account products are salary savings accounts.
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.
No daily minimum-balance charge is published for the general, pension, Nari Shakti or salary accounts
the savings-account pages explicitly state nil/no charges. Savings Plus separately publishes ₹200 per quarter if its ₹1,00,000 is not maintained.
Cheque concessions depend on the savings-account tier: first 25 leaves for Normal, 25 annually for Classic, 25 per quarter for Gold, 50 per quarter for Diamond and unlimited for Platinum. Pension and salary variants publish their own concessions
confirm the account category at opening.
The account-category tables link cards by tier: RuPay for Normal, Visa Classic/RuPay for Classic, RuPay Platinum/RuPay for Gold, RuPay Select/RuPay for Diamond and Visa Signature/RuPay for Platinum. First issuance is waived for applicable schemes
see the product name and eligibility for its professional, women, family, teacher or salary segment.
Family : Diamond ₹50,000
Ruby ₹2,00,000
Emerald ₹5,00,000. Waiver term-deposit values are ₹5 lakh, ₹10 lakh and ₹20 lakh respectively.
The individual variant pages do not print a separate numeric savings rate
the current Indian Bank savings-deposit schedule applies.
Where a variant has a published //FMAB requirement, shortfall charges follow the prevailing Indian Bank savings service-charge schedule
nil-balance variants do not publish a separate numeric penalty on their product page.
Free cheque book for the primary account opened under IND FAMILY.
Card depends on the variant: IND PRO publishes RuPay Platinum-linked benefits, IND SHAKTI publishes RuPay Platinum/Select tiers, IND GURUDEV and Salary Suraksha publish RuPay Platinum, IND FAMILY permits eligible cards with -free RuPay Platinum, and other salary variants follow account/card eligibility rules.
see the product name and eligibility for its professional, women, family, teacher or salary segment.
Nil initial deposit and nil average minimum balance
weekly sweep starts above a ₹25,000 cut-off.
The individual variant pages do not print a separate numeric savings rate
the current Indian Bank savings-deposit schedule applies.
Where a variant has a published //FMAB requirement, shortfall charges follow the prevailing Indian Bank savings service-charge schedule
nil-balance variants do not publish a separate numeric penalty on their product page.
50 free cheque leaves per calendar year
10 free per calendar year.
Card depends on the variant: IND PRO publishes RuPay Platinum-linked benefits, IND SHAKTI publishes RuPay Platinum/Select tiers, IND GURUDEV and Salary Suraksha publish RuPay Platinum, IND FAMILY permits eligible cards with -free RuPay Platinum, and other salary variants follow account/card eligibility rules.
see the product name and eligibility for its professional, women, family, teacher or salary segment.
: IND Pro Silver ₹25,000
Gold ₹1,00,000
Platinum ₹5,00,000.
The individual variant pages do not print a separate numeric savings rate
the current Indian Bank savings-deposit schedule applies.
Where a variant has a published //FMAB requirement, shortfall charges follow the prevailing Indian Bank savings service-charge schedule
nil-balance variants do not publish a separate numeric penalty on their product page.
The reviewed IND PRO page does not publish a separate cheque-leaf quota.
Card depends on the variant: IND PRO publishes RuPay Platinum-linked benefits, IND SHAKTI publishes RuPay Platinum/Select tiers, IND GURUDEV and Salary Suraksha publish RuPay Platinum, IND FAMILY permits eligible cards with -free RuPay Platinum, and other salary variants follow account/card eligibility rules.
see the product name and eligibility for its professional, women, family, teacher or salary segment.
for additional benefits: Silver ₹25,000
Gold ₹1,00,000.
The individual variant pages do not print a separate numeric savings rate
the current Indian Bank savings-deposit schedule applies.
Where a variant has a published //FMAB requirement, shortfall charges follow the prevailing Indian Bank savings service-charge schedule
nil-balance variants do not publish a separate numeric penalty on their product page.
The reviewed IND SHAKTI page does not publish a separate cheque-leaf quota
normal savings rules apply.
Card depends on the variant: IND PRO publishes RuPay Platinum-linked benefits, IND SHAKTI publishes RuPay Platinum/Select tiers, IND GURUDEV and Salary Suraksha publish RuPay Platinum, IND FAMILY permits eligible cards with -free RuPay Platinum, and other salary variants follow account/card eligibility rules.
Not published on the official Claims Savings Account page. The account is governed by motor-accident-claim deposit rules, but the page does not state a numeric , or minimum-balance amount.
2.50% p.a. across all savings-bank account balances, effective 15 June 2025
The Claims Account page publishes no account-level non-maintenance charge. Cheque-book, /debit-card and Internet Banking facilities are available only with court permission, and the page provides no separate maintenance-fee amount.
Cheque-book facility is available only with the court's permission
by default it is not made available.
-cum-debit card is available only with the court's permission
by default it is not made available.
Cheque book, -cum-debit card and internet banking are unavailable by default and may be provided only with court permission
Pehla Kadam and Pehli Udaan minor savings accounts
Not applicable
↓
2.50% p.a. across all savings-bank account balances, effective 15 June 2025
Monthly Average Balance is not applicable to Pehla Kadam and Pehli Udaan. The reviewed product page and the applicable account-facilities tariff do not publish a separate account-level non-maintenance charge for this minor account.
Personalised 10-leaf cheque book: for Pehla Kadam, issued to the guardian in the minor-under-guardian name
for Pehli Udaan, issued if the minor signs uniformly
account-holder mobile number must be recorded
₹5,000 withdrawal/ limit
Pehla Kadam card is in the minor and guardian names, while Pehli Udaan card is in the minor's name
Insta Plus savings bank account opened through Video
Not published on the official Savings Account through Video page. The page explains video- opening and account features but does not state a numeric , or minimum-balance amount.
2.50% p.a. across all savings-bank account balances, effective 15 June 2025
Other services follow the current charges applicable to regular savings bank account
savings-account non-maintenance penalty has been waived since 11 March 2020
Cheque book can be requested through , internet banking or branch after successful opening
2.50% p.a. across all savings-bank account balances, effective 15 June 2025
No penalty
waived from 11 March 2020
↓
First 10 cheque leaves are free in a financial year
thereafter a 10-leaf book costs ₹40 + and a 25-leaf book costs ₹75 + .
The standard Savings Bank Account page lists digital channels, cheque-book charges, restricted free withdrawals and nil , but does not publish whether a specific debit-card variant, network or account-linked card fee applies.
Mobile banking, alerts, internet banking, , State Bank Anywhere and Quick
Savings bank account linked to Multi Option Deposit Scheme (MODS) term deposits
Nil
↓
2.50% p.a. across all account balances
Monthly Average Balance is Nil. The product page and the applicable account-facilities tariff do not state a separate non-maintenance charge for Savings Plus
only further cheque-leaf charges are referenced.
10 free leaves per year
later leaves are charged
card is included as a Savings Plus Account feature
the page does not identify a specific network or card fee.
savings account: ₹3,000 in metro/urban, ₹2,000 in semi-urban or ₹1,000 in rural branches
No interest is payable on credit balances in a current account.
₹500 + per month when the ₹10,000 current-account is not maintained
the linked Surabhi savings account has no penalty under the published savings-account exemptions.
Current Account: 50 cheque leaves free in a financial year. Savings Account: first 10 cheque leaves free in a financial year.
Free business debit card is included for the Surabhi Current Account variant.
Not published
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.
bob Family Savings Accounts SegmentBank of Baroda
bob LITE Savings AccountBank of Baroda
bob Masterstroke LITE Saving Bank AccountBank of Baroda
bob Masterstroke Saving Bank AccountBank of Baroda
bob Pensioners Savings Bank AccountBank of Baroda
bob Platinum Saving Bank AccountBank of Baroda
bob Professional Saving Bank AccountBank of Baroda
bob Super Savings AccountBank of Baroda
bob Women Sapphire Savings AccountBank of Baroda
Government Savings Account (bob Govt. Bodies SB Account)Bank of Baroda
SBI Savings Bank AccountState Bank of India
