Not applicable — the reviewed product is not a salary-account variant and its official eligibility/features do not require salary credit or a minimum salary.
No interest is payable on the current-account balance. If the account holder dies, savings-bank interest is paid from the date of death until settlement
any sweep deposit earns the applicable term-deposit rate separately.
Not applicable — the reviewed product is not a salary-account variant and its official eligibility/features do not require salary credit or a minimum salary.
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
↓
Debit-card eligibility
Not published on the reviewed current product page or applicable account schedule
Non- regular savings account opened through Bank Correspondent points for eligible individuals aged 14 years or above.
₹0
↓
Not applicable — the reviewed product is not a salary-account variant and its official eligibility/features do not require salary credit or a minimum salary.
Savings-account credit balances earn the existing Bank of Baroda savings-deposit rate
the current percentage is maintained in the bank's live savings-rate schedule. Interest is calculated daily and credited quarterly.
Nil
the page publishes a zero minimum-balance requirement and nil non-maintenance charges.
Debit-card and digital-banking eligibility
30 cheque leaves are free in a financial year
additional leaves attract the applicable service-charge schedule.
Cash deposits through a cash-deposit machine are capped at ₹2,00,000 per day with registered and ₹49,999 without
cardless transactions are capped at ₹20,000 per day.
Not applicable — the reviewed product is not a salary-account variant and its official eligibility/features do not require salary credit or a minimum salary.
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.
No charge for non-maintenance of minimum balance under savings-bank schemes
premium savings schemes are excluded from this waiver.
↓
₹0 issuance and renewal
Unlimited published cheque books and electronic transfers
Not published for this product variant on the reviewed official page and applicable schedule
limits follow any issued card’s terms only where a card is explicitly provided.
Central Government Employees Salary Package savings account with zero-balance requirement and salary-linked benefits.
Zero balance requirement.
↓
Serving permanent, confirmed and regular Central Government employees aged 18–60 are eligible. At least one salary credit is required before the package insurance and other benefits apply
the page does not state a minimum rupee salary threshold.
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.
↑
No minimum-balance charge is published for because the package is described as zero-balance. The current service-charge notice also states zero charges for non-maintenance on savings-bank schemes
salary-package terms and any account conversion rules still apply.
Free RuPay Platinum Debit Card can be issued to a joint account holder under the CGESS scheme
the package also includes debit-card benefits.
Not published on the reviewed current product page or applicable account schedule
no cheque-leaf entitlement or charge is inferred.
The page lists unlimited free debit/credit transactions and a debit-card facility, but does not publish a -specific withdrawal amount or free-transaction count
the applicable debit-card and service-charge schedule must be checked for the issued variant.
Minor savings account for children below 18, operated with the applicable guardian or minor-account rules.
₹0
↓
Not applicable — the reviewed product is not a salary-account variant and its official eligibility/features do not require salary credit or a minimum salary.
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.
No charge for non-maintenance of minimum balance under savings-bank schemes
premium savings schemes are excluded from this waiver.
↓
Theme-based RuPay bob Champ debit card
Not published on the reviewed current product page or applicable account schedule
Not applicable — the reviewed product is not a salary-account variant and its official eligibility/features do not require salary credit or a minimum salary.
No interest is payable on the current-account balance. If the account holder dies, savings-bank interest is paid from the date of death until settlement
any sweep deposit earns the applicable term-deposit rate separately.
Not published as a product-specific amount on the reviewed official page and current schedule
no charge is inferred from a different account tier.
Not published for this product variant on the reviewed official page and applicable schedule
card issuance is not inferred from another account variant.
First 50
₹5 plus per leaf after
Not published for these institutional current-account variants on the reviewed official pages or applicable schedule
Not applicable — the reviewed product is not a salary-account variant and its official eligibility/features do not require salary credit or a minimum salary.
No interest is payable on the current-account balance. If the account holder dies, savings-bank interest is paid from the date of death until settlement
any sweep deposit earns the applicable term-deposit rate separately.
Not published as a product-specific amount on the reviewed official page and current schedule
no charge is inferred from a different account tier.
Not published for this product variant on the reviewed official page and applicable schedule
card issuance is not inferred from another account variant.
First 50
₹5 per leaf after
Not published for these institutional current-account variants on the reviewed official pages or applicable schedule
Not applicable — the reviewed product is not a salary-account variant and its official eligibility/features do not require salary credit or a minimum salary.
No interest is payable on the current-account balance. If the account holder dies, savings-bank interest is paid from the date of death until settlement
any sweep deposit earns the applicable term-deposit rate separately.
Not published as a product-specific amount on the reviewed official page and current schedule
no charge is inferred from a different account tier.
Not published for this product variant on the reviewed official page and applicable schedule
card issuance is not inferred from another account variant.
Unlimited cheque leaves and outward cheque returns
Not applicable — the reviewed product is not a salary-account variant and its official eligibility/features do not require salary credit or a minimum salary.
A non-interest-bearing escrow current account operated under a tripartite or multiparty agreement, with no and tightly restricted withdrawals and banking channels.
0.10% of turnover or ₹20,000, whichever is lower, plus
Not published for this product variant on the reviewed official page and applicable schedule
card issuance is not inferred from another account variant.
Not published on the reviewed official product page or applicable schedule
no cheque-leaf entitlement or charge is inferred for this variant.
Not published for this product variant on the reviewed official page and applicable schedule
limits follow any issued card’s terms only where a card is explicitly provided.
Current-account family segment connecting sister/group concerns under Baroda Silver, Gold or Diamond Family tiers.
Silver ₹2 lakh
Gold ₹5 lakh
Diamond ₹10 lakh
Not applicable — the reviewed product is not a salary-account variant and its official eligibility/features do not require salary credit or a minimum salary.
No interest is payable on the Family Current Account balance. Any separately swept fixed deposit earns the applicable term-deposit rate.
Not published as a product-specific amount on the reviewed official page and current schedule
no charge is inferred from a different account tier.
Not published for this product variant on the reviewed official page and applicable schedule
card issuance is not inferred from another account variant.
Annual cheque-book charge waiver is 25% for Silver Family, 50% for Gold Family and 100% for Diamond Family.
Not published for this product variant on the reviewed official page and applicable schedule
limits follow any issued card’s terms only where a card is explicitly provided.
Family savings-account segment comprising linked family member savings accounts under the bank’s family-account programme.
Silver ₹50,000
Gold ₹2 lakh
Diamond ₹5 lakh
Not applicable — the reviewed product is not a salary-account variant and its official eligibility/features do not require salary credit or a minimum salary.
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.
No charge for non-maintenance of minimum balance under savings-bank schemes
premium savings schemes are excluded from this waiver.
↓
Not published for this product variant on the reviewed official page and applicable schedule
card issuance is not inferred from another account variant.
Not published on the reviewed official product page or applicable schedule
no cheque-leaf entitlement or charge is inferred for this variant.
Not published for this product variant on the reviewed official page and applicable schedule
limits follow any issued card’s terms only where a card is explicitly provided.
Not applicable — the reviewed product is not a salary-account variant and its official eligibility/features do not require salary credit or a minimum salary.
No interest is payable on the current-account balance. If the account holder dies, savings-bank interest is paid from the date of death until settlement
any sweep deposit earns the applicable term-deposit rate separately.
₹1,000 when the published ₹5 lakh monthly average balance is not maintained.
Vyapaar DI debit card
issuance and renewal charges are nil.
Unlimited cheque leaves
10 free cash-withdrawal transactions per month at base, local non-base and outstation branches (excluding withdrawals)
Government Employee Salary Account (-182) for Central/State Government, , local-body and government-majority-company employees.
Zero-balance account for the salary scheme
a complementary zero-balance spouse account is also listed.
↓
Salary must be regularly credited
benefits lapse after three consecutive months without salary credit and the account may be transferred to a non-salaried scheme.
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.
No separate non-maintenance amount is published for the government salary package
the account is operated as a salary-package savings account and the current savings-bank service schedule states zero charges for non-maintenance.
Free debit card for lifetime as per salary structure
the issued variant and its detailed limits follow the applicable salary-package/card terms.
Unlimited free cheque book.
The salary-account family publishes unlimited withdrawals with no issuance or annual charges
the government-employee page separately lists unlimited free debit and credit transactions.
TN State Government permanent-employee salary savings account (SB182).
Complementary zero-balance account is available for the spouse
salary-package accounts are operated under the scheme’s zero-balance structure.
↓
The TN salary pages require a regular/permanent employee and at least one salary credit, followed by regular salary credit
neither page publishes a minimum rupee salary threshold.
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.
No separate non-maintenance charge is published for the TN salary packages
the current savings-bank service schedule states zero charges for non-maintenance on savings-bank schemes while the account remains in the salary package.
Free lifetime debit card under the salary package
the page also lists lifetime-free Select/Premier credit card eligibility subject to terms.
Not published on the reviewed current product page or applicable account schedule
no cheque-leaf entitlement or charge is inferred.
The TN salary pages list free debit-card/transaction facilities but do not publish a product-specific withdrawal amount or free-transaction count
the limit follows the issued card and current service schedule.
Not applicable — the reviewed product is not a salary-account variant and its official eligibility/features do not require salary credit or a minimum salary.
No interest is payable on the Government Bodies Current Account balance. The scheme may use a separate /sweep arrangement, which earns the applicable term-deposit rate rather than current-account interest.
₹0
↓
Not published for this product variant on the reviewed official page and applicable schedule
card issuance is not inferred from another account variant.
Free cheque book and electronic transfers
Not published for this product variant on the reviewed official page and applicable schedule
limits follow any issued card’s terms only where a card is explicitly provided.
Not applicable — the reviewed product is not a salary-account variant and its official eligibility/features do not require salary credit or a minimum salary.
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.
No charge for non-maintenance of minimum balance under savings-bank schemes
premium savings schemes are excluded from this waiver.
↓
Not published for this product variant on the reviewed official page and applicable schedule
card issuance is not inferred from another account variant.
30 free cheque leaves per financial year
Not published for this product variant on the reviewed official page and applicable schedule
limits follow any issued card’s terms only where a card is explicitly provided.
Not applicable — the reviewed product is not a salary-account variant and its official eligibility/features do not require salary credit or a minimum salary.
No interest is payable on the current-account balance. If the account holder dies, savings-bank interest is paid from the date of death until settlement
any sweep deposit earns the applicable term-deposit rate separately.
No non-maintenance charge
the account has a zero monthly average balance requirement.
First-year-free Visa Vyapaar debit card
50
₹5 per leaf after the limit
Five free cash-withdrawal transactions per month at base, local non-base and outstation branches (excluding withdrawals)
Not applicable — the reviewed product is not a salary-account variant and its official eligibility/features do not require salary credit or a minimum salary.
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.
No charge for non-maintenance of minimum balance under savings-bank schemes
premium savings schemes are excluded from this waiver.
↓
RuPay Platinum debit card is free when is at least ₹3,000 in metro/urban, ₹2,000 in semi-urban or ₹1,000 in rural branches
otherwise the current annual fee applies
30 per financial year
Not published for this product variant on the reviewed official page and applicable schedule
limits follow any issued card’s terms only where a card is explicitly provided.
Not applicable — the reviewed product is not a salary-account variant and its official eligibility/features do not require salary credit or a minimum salary.
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.
Features: 6% of shortfall, ₹50–₹100
: 6% of shortfall, ₹20–₹60
First-year-free RuPay Platinum debit card
30 free cheque leaves per financial year
Not published for this product variant on the reviewed official page and applicable schedule
limits follow any issued card’s terms only where a card is explicitly provided.
₹5,00,000 , or ₹2,50,000 savings-account plus ₹5,00,000 in term deposits.
No minimum salary or annual-income threshold is published. Eligibility is based on the premium-account customer segment and the published ₹5,00,000 (or the linked-term-deposit alternative).
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
₹150–₹750 when is below ₹2.5 lakh, or ₹100–₹500 when is ₹2.5–₹5 lakh and linked term deposits are below ₹5 lakh
Platinum debit card
the account scheme provides a 100% fee waiver.
Unlimited cheque leaves are free.
Bank of Baroda : 5 free financial and non-financial transactions each month
thereafter ₹10 per financial and ₹5 per non-financial transaction. Other-bank : 3 free transactions in metro locations or 5 in non-metro locations
thereafter ₹23 per financial and ₹11 per non-financial transaction.
₹10,00,000 , or ₹5,00,000 savings-account plus ₹10,00,000 in term deposits.
No minimum salary or annual-income threshold is published. Eligibility is based on the premium-account customer segment and the published ₹10,00,000 (or the linked-term-deposit alternative).
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 ₹200 and maximum ₹1,000
Visa Opulence debit card, lifetime free for the first holder
the card provides 50 free transactions and air-accident cover up to ₹1 crore.
Not applicable — the reviewed product is not a salary-account variant and its official eligibility/features do not require salary credit or a minimum salary.
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.
No charge for non-maintenance of minimum balance under savings-bank schemes
premium savings schemes are excluded from this waiver.
↓
Not published for this product variant on the reviewed official page and applicable schedule
card issuance is not inferred from another account variant.
Unlimited free cheque books
Not published for this product variant on the reviewed official page and applicable schedule
limits follow any issued card’s terms only where a card is explicitly provided.
Not applicable — the reviewed product is not a salary-account variant and its official eligibility/features do not require salary credit or a minimum salary.
No interest is payable on the current-account balance. If the account holder dies, savings-bank interest is paid from the date of death until settlement
any sweep deposit earns the applicable term-deposit rate separately.
₹2,500 when falls below ₹5 lakh, or ₹1,500 when is at least ₹5 lakh but below the published ₹10 lakh requirement.
Free Vyapaar DI debit card
card issuance is free and the page publishes the account's card facility for eligible individual/proprietor accounts.
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.
No minimum salary or annual-income threshold is published. Eligibility is for resident individuals (minors excluded)
the published is ₹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
↓
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.
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.
Not applicable — the reviewed product is not a salary-account variant and its official eligibility/features do not require salary credit or a minimum salary.
No interest is payable on the current-account balance. If the account holder dies, savings-bank interest is paid from the date of death until settlement
any sweep deposit earns the applicable term-deposit rate separately.
₹2,000 when is above 50%
₹3,000 when below 50%
Not published for this product variant on the reviewed official page and applicable schedule
card issuance is not inferred from another account variant.
Unlimited cheque leaves
Not published for this product variant on the reviewed official page and applicable schedule
limits follow any issued card’s terms only where a card is explicitly provided.
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.
No minimum salary or annual-income threshold is published. The account is for eligible resident professional customers and uses the published ₹25,000 rule rather than a salary floor.
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
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.
50 per year
For all five variants: 5 free financial and non-financial transactions per month at Bank of Baroda , then ₹10 per financial and ₹5 per non-financial transaction. Other-bank allow 3 free transactions in metro locations or 5 in non-metro locations
thereafter ₹23 per financial and ₹11 per non-financial transaction.
Not applicable — the reviewed product is not a salary-account variant and its official eligibility/features do not require salary credit or a minimum salary.
No interest is payable on the Current Account balance. Where permitted, interest is earned only after funds are placed in the scheme's separate /sweep deposit.
Not published as a product-specific amount on the reviewed official page and current schedule
no charge is inferred from a different account tier.
Not published for this product variant on the reviewed official page and applicable schedule
card issuance is not inferred from another account variant.
Not published on the reviewed official product page or applicable schedule
no cheque-leaf entitlement or charge is inferred for this variant.
Not published for this product variant on the reviewed official page and applicable schedule
limits follow any issued card’s terms only where a card is explicitly provided.
Not applicable — the reviewed product is not a salary-account variant and its official eligibility/features do not require salary credit or a minimum salary.
No interest is payable on the current-account balance. If the account holder dies, savings-bank interest is paid from the date of death until settlement
any sweep deposit earns the applicable term-deposit rate separately.
₹5,000 when is below ₹12.5 lakh, or ₹3,500 when is at least ₹12.5 lakh but below the published ₹25 lakh requirement.
Gross monthly salary band is ₹10,000 to ₹50,000 and the account is intended for entry-level staff or trainees. It is a zero-balance account for customers with immediate salary credit.
↓
The bob Salary Classic Account earns the same interest rate as a normal savings account
the current percentage is published in Bank of Baroda's live interest-rate schedule.
Not applicable: bob Salary Classic is a zero-balance account.
lifetime-free Baroda Select credit card and RuPay Platinum debit card
lifetime-free Baroda Select credit card and RuPay Platinum debit card
Free unlimited chequebook.
Unlimited free cash withdrawals and non-financial transactions at Bank of Baroda .
Gross monthly salary is above ₹1 lakh to ₹2 lakh and the account is suited to middle management. It is a zero-balance account with immediate salary credit and regular-savings interest terms.
The bob Salary Premium Account earns the same interest rate as a regular savings account
the current percentage is published in Bank of Baroda's live interest-rate schedule.
Not applicable: bob Salary Premium is a zero-balance account.
lifetime-free Visa Sapphire debit card and Premier credit card
lifetime-free Visa Sapphire debit card and Premier credit card
Free unlimited chequebook.
The salary-account family page states that salary accounts have unlimited withdrawals with no issuance or annual charges
Premium is listed with free unlimited transactions at Bank of Baroda .
the account is intended for top management. It is a zero-balance account, with age 18 to 60 and continuation to 70 for existing salary customers receiving pension.
The bob Salary Privilege Account earns the same interest rate as a regular savings account
the current percentage is published in Bank of Baroda's live interest-rate schedule.
Not applicable: bob Salary Privilege is a zero-balance account.
lifetime-free Visa Sapphire debit card and Premier credit card
lifetime-free Visa Sapphire debit card and Premier credit card
Free unlimited chequebook.
The salary-account family page states that salary accounts have unlimited withdrawals with no issuance or annual charges
Privilege is listed with free unlimited transactions at Bank of Baroda .
Gross monthly salary is above ₹50,000 to ₹1 lakh and the account is suited to junior management. It can be opened with zero balance subject to immediate salary credit
age is 18 to 60, with continuation to 70 for existing salary customers receiving pension.
The bob Salary Super Account earns the same interest rate as a normal savings account
the current percentage is published in Bank of Baroda's live interest-rate schedule.
Not applicable: bob Salary Super is a zero-balance account.
lifetime-free RuPay Platinum debit card and Select credit card subject to eligibility
lifetime-free RuPay Platinum debit card and Select credit card subject to eligibility
Free unlimited chequebook.
The salary-account family page states that salary accounts have unlimited withdrawals with no issuance or annual charges
the Super page provides a lifetime-free RuPay Platinum debit card.
Joint-resolution savings account for Self Help Groups, including women’s Self Help Groups.
₹1,000
Not applicable — the reviewed product is not a salary-account variant and its official eligibility/features do not require salary credit or a minimum salary.
Savings interest is applied under Bank of Baroda’s live savings-deposit rate schedule
these product pages do not publish a separate numeric package rate. Interest is calculated/credited under the account-specific terms already recorded.
Not published as a product-specific amount on the reviewed official page and applicable schedule
the pages publish the required balance but no separate shortfall charge.
Not published for this product variant on the reviewed official page and applicable schedule
card issuance is not inferred from another account variant.
30 per financial year
₹3 per leaf beyond the limit
Not published for this product variant on the reviewed official page and applicable schedule
limits follow any issued card’s terms only where a card is explicitly provided.
the first year’s non-maintenance charge is waived and the account page publishes ₹1,000 plus thereafter when the balance is not maintained.
Not applicable — the reviewed product is not a salary-account variant and its official eligibility/features do not require salary credit or a minimum salary.
No interest is payable on the current-account balance. If the account holder dies, savings-bank interest is paid from the date of death until settlement
any sweep deposit earns the applicable term-deposit rate separately.
First 1 year
Not published for the Scale-Up Current Account
the reviewed current-account page lists digital and payment facilities but no debit-card issuance or fee for this variant.
Unlimited free cheque leaves
Not published for this product variant on the reviewed official page and applicable schedule
limits follow any issued card’s terms only where a card is explicitly provided.
Resident senior-citizen privilege savings account for customers aged 60 years and above.
Metro/urban ₹3,000
semi-urban ₹2,000
rural ₹1,000
Not applicable — the reviewed product is not a salary-account variant and its official eligibility/features do not require salary credit or a minimum salary.
Savings interest is applied under Bank of Baroda’s live savings-deposit rate schedule
these product pages do not publish a separate numeric package rate. Interest is calculated/credited under the account-specific terms already recorded.
Not published as a product-specific amount on the reviewed official page and applicable schedule
the pages publish the required balance but no separate shortfall charge.
Visa Platinum debit card
50 per financial year
Not published for this product variant on the reviewed official page and applicable schedule
limits follow any issued card’s terms only where a card is explicitly provided.
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.
No minimum salary or annual-income threshold is published. The account is for senior citizens
the published entry condition is minimum age 60 years and ₹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
↓
₹1.5 lakh per day
/e-commerce ₹5 lakh per day
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.
For all five variants: 5 free financial and non-financial transactions per month at Bank of Baroda , then ₹10 per financial and ₹5 per non-financial transaction. Other-bank allow 3 free transactions in metro locations or 5 in non-metro locations
thereafter ₹23 per financial and ₹11 per non-financial transaction.
Not applicable — the reviewed product is not a salary-account variant and its official eligibility/features do not require salary credit or a minimum salary.
No interest is payable on the current-account balance. If the account holder dies, savings-bank interest is paid from the date of death until settlement
any sweep deposit earns the applicable term-deposit rate separately.
₹250 per month when the published ₹25,000 monthly average balance is not maintained.
Vyapaar Business Debit Card
free for the first year and charges apply thereafter.
50 free cheque leaves
Five free cash-withdrawal transactions per month at base, local non-base and outstation branches (excluding withdrawals)
Not applicable — the reviewed product is not a salary-account variant and its official eligibility/features do not require salary credit or a minimum salary.
No interest is payable on the current-account balance. If the account holder dies, savings-bank interest is paid from the date of death until settlement
any sweep deposit earns the applicable term-deposit rate separately.
Not published as a product-specific amount on the reviewed official page and current schedule
no charge is inferred from a different account tier.
Not published for this product variant on the reviewed official page and applicable schedule
card issuance is not inferred from another account variant.
200 per month
Not published for this product variant on the reviewed official page and applicable schedule
limits follow any issued card’s terms only where a card is explicitly provided.
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.
No minimum salary or annual-income threshold is published. Eligibility is based on the account's customer segment and its published balance/age rule: resident individuals
₹20,000 for bob Super Savings.
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
↓
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.
Unlimited cheque books and unlimited / banker's cheque / pay order for personal needs
For all five variants: 5 free financial and non-financial transactions per month at Bank of Baroda , then ₹10 per financial and ₹5 per non-financial transaction. Other-bank allow 3 free transactions in metro locations or 5 in non-metro locations
thereafter ₹23 per financial and ₹11 per non-financial transaction.
Not applicable — the reviewed product is not a salary-account variant and its official eligibility/features do not require salary credit or a minimum salary.
No interest is payable on the current-account balance. If the account holder dies, savings-bank interest is paid from the date of death until settlement
any sweep deposit earns the applicable term-deposit rate separately.
₹3,000 when is above 50%
₹5,000 when below 50%
Vyapaar Business Debit Card is issued to eligible individual and proprietor accounts
the page states issuance is free.
Unlimited cheque leaves
Not published for this product variant on the reviewed official page and applicable schedule
limits follow any issued card’s terms only where a card is explicitly provided.
TN State Government non-civilian salary account (SB186) for police, fire and rescue, forest and related state forces.
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.
The TN salary pages require a regular/permanent employee and at least one salary credit, followed by regular salary credit
neither page publishes a minimum rupee salary threshold.
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.
No separate non-maintenance charge is published for the TN salary packages
the current savings-bank service schedule states zero charges for non-maintenance on savings-bank schemes while the account remains in the salary package.
Lifetime-free bob World Yoddha RuPay debit card with ₹10 lakh personal-accident death and total-disability cover
issuance, re-issuance and annual fees waived.
Not published on the reviewed official product page or applicable schedule
no cheque-leaf entitlement or charge is inferred for this variant.
The TN salary pages list free debit-card/transaction facilities but do not publish a product-specific withdrawal amount or free-transaction count
the limit follows the issued card and current service schedule.
Not applicable — the reviewed product is not a salary-account variant and its official eligibility/features do not require salary credit or a minimum salary.
No interest is payable on the current-account balance. If the account holder dies, savings-bank interest is paid from the date of death until settlement
any sweep deposit earns the applicable term-deposit rate separately.
₹250 per month when the published ₹10,000 monthly average balance is not maintained.
Vyapaar Business Debit Card
free for the first year and charges apply thereafter.
50 free cheque leaves
Five free cash-withdrawal transactions per month at base, local non-base and outstation branches (excluding withdrawals)
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.
No minimum salary or annual-income threshold is published. Eligibility is for resident Indian women aged 18 years or above
the published is ₹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
↓
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.
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.
For all five variants: 5 free financial and non-financial transactions per month at Bank of Baroda , then ₹10 per financial and ₹5 per non-financial transaction. Other-bank allow 3 free transactions in metro locations or 5 in non-metro locations
thereafter ₹23 per financial and ₹11 per non-financial transaction.
Not applicable — the reviewed product is not a salary-account variant and its official eligibility/features do not require salary credit or a minimum salary.
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.
Not published as a product-specific amount on the reviewed official page and current schedule
no charge is inferred from a different account tier.
Not published for this product variant on the reviewed official page and applicable schedule
card issuance is not inferred from another account variant.
Unlimited free cheque books
Not published for this product variant on the reviewed official page and applicable schedule
limits follow any issued card’s terms only where a card is explicitly provided.
Basic Savings Bank Deposit Account under Pradhan Mantri Jan-Dhan Yojana, available at Bank of Baroda branches and Business Correspondent points.
No minimum balance requirement.
↓
Not applicable — the reviewed product is not a salary-account variant and its official eligibility/features do not require salary credit or a minimum salary.
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.
No charge for non-maintenance of minimum balance under savings-bank schemes
premium savings schemes are excluded from this waiver.
↓
RuPay debit card is provided
the account also supports mobile banking, internet banking and passbook.
Not published on the reviewed current product page or applicable account schedule
no cheque-leaf entitlement or charge is inferred.
Overdraft up to ₹2,000 without assessment, subject to eligibility
beyond ₹2,000, eligible amount is the lower of four-times preceding six-month average balance, 50% of preceding six-month credit summation or ₹10,000.
Safe-deposit locker service available at selected branches
the hirer must be a Bank of Baroda account holder.
A minimum security deposit in an is required to cover three years’ rent and break-open/replacement costs.
Not applicable — the reviewed product is not a salary-account variant and its official eligibility/features do not require salary credit or a minimum salary.
Not applicable: Safe Deposit Lockers are a rented custody service, not an interest-bearing deposit account. The required security is governed by its own term-deposit rate and terms.
Not published as a product-specific amount on the reviewed official page and current schedule
no charge is inferred from a different account tier.
Not published for this product variant on the reviewed official page and applicable schedule
card issuance is not inferred from another account variant.
Not published on the reviewed official product page or applicable schedule
no cheque-leaf entitlement or charge is inferred for this variant.
Not published for this product variant on the reviewed official page and applicable schedule
limits follow any issued card’s terms only where a card is explicitly provided.
Salary and pension savings account for eligible Indian Army (including Rashtriya Rifles), Navy, Air Force and Coast Guard personnel, veterans, Veer Naaris and family pensioners.
No minimum balance is required for the Indian military savings account.
↓
Salary benefits start after one month’s salary credit followed by regular credits
pension benefits start after one month’s pension credit followed by regular credits.
The defence, , police and Agniveer pages do not publish a package-specific rate. These are salary savings accounts
the applicable percentage is the live Bank of Baroda Savings Bank Deposits schedule by balance slab.
No package-specific non-maintenance amount is published. The current service-charge schedule states zero charges for non-maintenance on savings-bank schemes while the salary-package account remains appropriately categorized.
Lifetime-free RuPay Yoddha Debit Card
issuance, re-issuance and annual fees are waived, with ₹10 lakh personal-accident death and total-disability cover.
Free unlimited personalised cheque books.
Unlimited free transactions at all Bank of Baroda .
Savings-cum-pension salary account for eligible central armed police forces and veterans under the Baroda Defence Salary Package.
No minimum balance is required
the interest rate follows the applicable normal savings-account rate.
Salary or pension benefits require one month’s initial credit followed by regular salary or pension credits.
The defence, , police and Agniveer pages do not publish a package-specific rate. These are salary savings accounts
the applicable percentage is the live Bank of Baroda Savings Bank Deposits schedule by balance slab.
No package-specific non-maintenance amount is published. The current service-charge schedule states zero charges for non-maintenance on savings-bank schemes while the salary-package account remains appropriately categorized.
Lifetime-free RuPay Yoddha Debit Card with ₹10 lakh off-duty personal-accident death and total-disability cover
Police Salary Package savings and pension account for regular employees and pensioners of eligible police organisations under agreement with Bank of Baroda.
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.
The scheme starts after one month’s salary or pension credit and continues only with regular credits
employees moving salary from another bank must provide a payroll mandate.
The defence, , police and Agniveer pages do not publish a package-specific rate. These are salary savings accounts
the applicable percentage is the live Bank of Baroda Savings Bank Deposits schedule by balance slab.
No package-specific non-maintenance amount is published. The current service-charge schedule states zero charges for non-maintenance on savings-bank schemes while the salary-package account remains appropriately categorized.
Lifetime-free RuPay Yoddha Debit Card with ₹10 lakh personal-accident death and total-disability cover
issuance, re-issuance and annual fees waived.
Free unlimited personalised cheque books.
Lifetime-free Yoddha debit card with the account
Bank of Baroda salary-account terms publish unlimited withdrawals and no issuance or annual -card charges.
Salary savings account for personnel recruited under the Government of India Agnipath scheme as Agniveers in the Indian Army, Navy or Air Force
benefits run for the four-year service tenure.
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.
Benefits and start only after one month’s salary is credited and require regular monthly salary credit thereafter
benefits continue only through the Agniveer tenure.
The defence, , police and Agniveer pages do not publish a package-specific rate. These are salary savings accounts
the applicable percentage is the live Bank of Baroda Savings Bank Deposits schedule by balance slab.
No package-specific non-maintenance amount is published. The current service-charge schedule states zero charges for non-maintenance on savings-bank schemes while the salary-package account remains appropriately categorized.
Agniveer RuPay Debit Card with unlimited free usage and waived issuance and annual charges
additional ₹10 lakh personal-accident death and cover is subject to card terms.
Free unlimited personalised cheque books.
Unlimited free usage at all Bank
Agniveer debit-card issuance and annual fees are waived.
Current account for resident professionals, individuals, proprietorships, firms, companies and other eligible entities.
Account can be opened with minimum balance above ₹2,00,000.
Not applicable: Star Choice is a business current account for professionals, individuals, proprietorships, firms, companies and other eligible entities.
The reviewed Choice Current Account page publishes transaction facilities and charges but no fixed credit interest percentage.
The Choice page does not publish a separate penalty amount
applicable current-account charges are governed by BOI's current service-charge annexure and account tier.
The Choice Current Account page promises a free -cum-debit card with nil renewal charges but does not publish a universal network or variant.
Free cheque collection and / across BOI
Cash withdrawal up to ₹1,00,000 per day at a branch other than the base branch.
The current annexure publishes non-maintenance penalty thresholds by branch for Normal accounts: ₹7,500 in metro, ₹5,000 in urban, and ₹2,000 in semi-urban/rural branches. Tiered current-account bands in the digital-banking table are Normal below ₹20,000, Silver ₹20,000–<₹50,000, Gold ₹50,000–<₹1,00,000 and Gold Plus ₹1,00,000–<₹2,00,000
Platinum Plus page publishes ₹20 lakh MAQB.
Not applicable: current accounts are business/transaction accounts, not salary accounts.
Current accounts are transaction accounts
the reviewed BOI current-account catalogue and service-charge annexure publish no deposit interest percentage for these variants.
Normal current-account penalty is ₹600 per quarter in metro ( below ₹7,500), ₹500 in urban (below ₹5,000), ₹500 in semi-urban (below ₹2,000) and ₹350 in rural (below ₹2,000). The annexure lists no separate penalty amount for Silver through Platinum Plus tiers
applicable is extra.
The reviewed current-account catalogue does not publish a universal debit-card variant for every tier
card availability and applicable charges are confirmed for the selected account and customer type at opening.
Cheque-leaf entitlement is variant-specific and not published for every tier in the reviewed catalogue
Platinum Plus publishes 500 free cheque leaves per quarter.
Platinum Plus publishes cash withdrawal up to ₹50,000 per day at a non-base branch. Other current-account tiers have variant/channel limits confirmed by BOI at account opening.
The current annexure publishes non-maintenance penalty thresholds by branch for Normal accounts: ₹7,500 in metro, ₹5,000 in urban, and ₹2,000 in semi-urban/rural branches. Tiered current-account bands in the digital-banking table are Normal below ₹20,000, Silver ₹20,000–<₹50,000, Gold ₹50,000–<₹1,00,000 and Gold Plus ₹1,00,000–<₹2,00,000
Platinum Plus page publishes ₹20 lakh MAQB.
Not applicable: current accounts are business/transaction accounts, not salary accounts.
Current accounts are transaction accounts
the reviewed BOI current-account catalogue and service-charge annexure publish no deposit interest percentage for these variants.
Normal current-account penalty is ₹600 per quarter in metro ( below ₹7,500), ₹500 in urban (below ₹5,000), ₹500 in semi-urban (below ₹2,000) and ₹350 in rural (below ₹2,000). The annexure lists no separate penalty amount for Silver through Platinum Plus tiers
applicable is extra.
The reviewed current-account catalogue does not publish a universal debit-card variant for every tier
card availability and applicable charges are confirmed for the selected account and customer type at opening.
Cheque-leaf entitlement is variant-specific and not published for every tier in the reviewed catalogue
Platinum Plus publishes 500 free cheque leaves per quarter.
Platinum Plus publishes cash withdrawal up to ₹50,000 per day at a non-base branch. Other current-account tiers have variant/channel limits confirmed by BOI at account opening.
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.
Elite: Central Government employee with employer confirmation and signed undertaking. Government: government-sector employee with salary mandate under the applicable BOI scheme code. Rakshak: defence, police or paramilitary salary customer under the Rakshak scheme. Private: employee on regular private-sector payroll with employer salary mandate.
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.
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
annual maintenance follows the issued card and .
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 reviewed account pages publish up to 10 free BOI- transactions per month and up to 5 at other-bank for pension and Nari Shakti accounts
other account variants follow the applicable BOI debit-card variant and current /BOI limits.
The current annexure publishes non-maintenance penalty thresholds by branch for Normal accounts: ₹7,500 in metro, ₹5,000 in urban, and ₹2,000 in semi-urban/rural branches. Tiered current-account bands in the digital-banking table are Normal below ₹20,000, Silver ₹20,000–<₹50,000, Gold ₹50,000–<₹1,00,000 and Gold Plus ₹1,00,000–<₹2,00,000
Platinum Plus page publishes ₹20 lakh MAQB.
Not applicable: current accounts are business/transaction accounts, not salary accounts.
Current accounts are transaction accounts
the reviewed BOI current-account catalogue and service-charge annexure publish no deposit interest percentage for these variants.
Normal current-account penalty is ₹600 per quarter in metro ( below ₹7,500), ₹500 in urban (below ₹5,000), ₹500 in semi-urban (below ₹2,000) and ₹350 in rural (below ₹2,000). The annexure lists no separate penalty amount for Silver through Platinum Plus tiers
applicable is extra.
The reviewed current-account catalogue does not publish a universal debit-card variant for every tier
card availability and applicable charges are confirmed for the selected account and customer type at opening.
Cheque-leaf entitlement is variant-specific and not published for every tier in the reviewed catalogue
Platinum Plus publishes 500 free cheque leaves per quarter.
Platinum Plus publishes cash withdrawal up to ₹50,000 per day at a non-base branch. Other current-account tiers have variant/channel limits confirmed by BOI at account opening.
The current annexure publishes non-maintenance penalty thresholds by branch for Normal accounts: ₹7,500 in metro, ₹5,000 in urban, and ₹2,000 in semi-urban/rural branches. Tiered current-account bands in the digital-banking table are Normal below ₹20,000, Silver ₹20,000–<₹50,000, Gold ₹50,000–<₹1,00,000 and Gold Plus ₹1,00,000–<₹2,00,000
Platinum Plus page publishes ₹20 lakh MAQB.
Not applicable: current accounts are business/transaction accounts, not salary accounts.
Current accounts are transaction accounts
the reviewed BOI current-account catalogue and service-charge annexure publish no deposit interest percentage for these variants.
Normal current-account penalty is ₹600 per quarter in metro ( below ₹7,500), ₹500 in urban (below ₹5,000), ₹500 in semi-urban (below ₹2,000) and ₹350 in rural (below ₹2,000). The annexure lists no separate penalty amount for Silver through Platinum Plus tiers
applicable is extra.
The reviewed current-account catalogue does not publish a universal debit-card variant for every tier
card availability and applicable charges are confirmed for the selected account and customer type at opening.
Cheque-leaf entitlement is variant-specific and not published for every tier in the reviewed catalogue
Platinum Plus publishes 500 free cheque leaves per quarter.
Platinum Plus publishes cash withdrawal up to ₹50,000 per day at a non-base branch. Other current-account tiers have variant/channel limits confirmed by BOI at account opening.
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.
Elite: Central Government employee with employer confirmation and signed undertaking. Government: government-sector employee with salary mandate under the applicable BOI scheme code. Rakshak: defence, police or paramilitary salary customer under the Rakshak scheme. Private: employee on regular private-sector payroll with employer salary mandate.
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.
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
annual maintenance follows the issued card and .
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 reviewed account pages publish up to 10 free BOI- transactions per month and up to 5 at other-bank for pension and Nari Shakti accounts
other account variants follow the applicable BOI debit-card variant and current /BOI limits.
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.
Not applicable: this is a savings-account scheme, not a salary account.
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.
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
annual maintenance follows the issued card and .
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 reviewed account pages publish up to 10 free BOI- transactions per month and up to 5 at other-bank for pension and Nari Shakti accounts
other account variants follow the applicable BOI debit-card variant and current /BOI limits.
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.
Not applicable: this is a savings-account scheme, not a salary account.
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.
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
annual maintenance follows the issued card and .
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 reviewed account pages publish up to 10 free BOI- transactions per month and up to 5 at other-bank for pension and Nari Shakti accounts
other account variants follow the applicable BOI debit-card variant and current /BOI limits.
The current annexure publishes non-maintenance penalty thresholds by branch for Normal accounts: ₹7,500 in metro, ₹5,000 in urban, and ₹2,000 in semi-urban/rural branches. Tiered current-account bands in the digital-banking table are Normal below ₹20,000, Silver ₹20,000–<₹50,000, Gold ₹50,000–<₹1,00,000 and Gold Plus ₹1,00,000–<₹2,00,000
Platinum Plus page publishes ₹20 lakh MAQB.
Not applicable: current accounts are business/transaction accounts, not salary accounts.
Current accounts are transaction accounts
the reviewed BOI current-account catalogue and service-charge annexure publish no deposit interest percentage for these variants.
Normal current-account penalty is ₹600 per quarter in metro ( below ₹7,500), ₹500 in urban (below ₹5,000), ₹500 in semi-urban (below ₹2,000) and ₹350 in rural (below ₹2,000). The annexure lists no separate penalty amount for Silver through Platinum Plus tiers
applicable is extra.
The reviewed current-account catalogue does not publish a universal debit-card variant for every tier
card availability and applicable charges are confirmed for the selected account and customer type at opening.
Cheque-leaf entitlement is variant-specific and not published for every tier in the reviewed catalogue
Platinum Plus publishes 500 free cheque leaves per quarter.
Platinum Plus publishes cash withdrawal up to ₹50,000 per day at a non-base branch. Other current-account tiers have variant/channel limits confirmed by BOI at account opening.
The current annexure publishes non-maintenance penalty thresholds by branch for Normal accounts: ₹7,500 in metro, ₹5,000 in urban, and ₹2,000 in semi-urban/rural branches. Tiered current-account bands in the digital-banking table are Normal below ₹20,000, Silver ₹20,000–<₹50,000, Gold ₹50,000–<₹1,00,000 and Gold Plus ₹1,00,000–<₹2,00,000
Platinum Plus page publishes ₹20 lakh MAQB.
Not applicable: current accounts are business/transaction accounts, not salary accounts.
Current accounts are transaction accounts
the reviewed BOI current-account catalogue and service-charge annexure publish no deposit interest percentage for these variants.
Normal current-account penalty is ₹600 per quarter in metro ( below ₹7,500), ₹500 in urban (below ₹5,000), ₹500 in semi-urban (below ₹2,000) and ₹350 in rural (below ₹2,000). The annexure lists no separate penalty amount for Silver through Platinum Plus tiers
applicable is extra.
The reviewed current-account catalogue does not publish a universal debit-card variant for every tier
card availability and applicable charges are confirmed for the selected account and customer type at opening.
Cheque-leaf entitlement is variant-specific and not published for every tier in the reviewed catalogue
Platinum Plus publishes 500 free cheque leaves per quarter.
Platinum Plus publishes cash withdrawal up to ₹50,000 per day at a non-base branch. Other current-account tiers have variant/channel limits confirmed by BOI at account opening.
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.
Not applicable: this is a savings-account scheme, not a salary account.
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.
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
annual maintenance follows the issued card and .
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 reviewed account pages publish up to 10 free BOI- transactions per month and up to 5 at other-bank for pension and Nari Shakti accounts
other account variants follow the applicable BOI debit-card variant and current /BOI limits.
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.
Elite: Central Government employee with employer confirmation and signed undertaking. Government: government-sector employee with salary mandate under the applicable BOI scheme code. Rakshak: defence, police or paramilitary salary customer under the Rakshak scheme. Private: employee on regular private-sector payroll with employer salary mandate.
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.
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
annual maintenance follows the issued card and .
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 reviewed account pages publish up to 10 free BOI- transactions per month and up to 5 at other-bank for pension and Nari Shakti accounts
other account variants follow the applicable BOI debit-card variant and current /BOI limits.
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.
Elite: Central Government employee with employer confirmation and signed undertaking. Government: government-sector employee with salary mandate under the applicable BOI scheme code. Rakshak: defence, police or paramilitary salary customer under the Rakshak scheme. Private: employee on regular private-sector payroll with employer salary mandate.
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.
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
annual maintenance follows the issued card and .
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 reviewed account pages publish up to 10 free BOI- transactions per month and up to 5 at other-bank for pension and Nari Shakti accounts
other account variants follow the applicable BOI debit-card variant and current /BOI limits.
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.
Not applicable: this is a savings-account scheme, not a salary account.
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.
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
annual maintenance follows the issued card and .
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 reviewed account pages publish up to 10 free BOI- transactions per month and up to 5 at other-bank for pension and Nari Shakti accounts
other account variants follow the applicable BOI debit-card variant and current /BOI limits.
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.
Not applicable: this is a savings-account scheme, not a salary account.
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.
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
annual maintenance follows the issued card and .
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 reviewed account pages publish up to 10 free BOI- transactions per month and up to 5 at other-bank for pension and Nari Shakti accounts
other account variants follow the applicable BOI debit-card variant and current /BOI limits.
The current annexure publishes non-maintenance penalty thresholds by branch for Normal accounts: ₹7,500 in metro, ₹5,000 in urban, and ₹2,000 in semi-urban/rural branches. Tiered current-account bands in the digital-banking table are Normal below ₹20,000, Silver ₹20,000–<₹50,000, Gold ₹50,000–<₹1,00,000 and Gold Plus ₹1,00,000–<₹2,00,000
Platinum Plus page publishes ₹20 lakh MAQB.
Not applicable: current accounts are business/transaction accounts, not salary accounts.
Current accounts are transaction accounts
the reviewed BOI current-account catalogue and service-charge annexure publish no deposit interest percentage for these variants.
Normal current-account penalty is ₹600 per quarter in metro ( below ₹7,500), ₹500 in urban (below ₹5,000), ₹500 in semi-urban (below ₹2,000) and ₹350 in rural (below ₹2,000). The annexure lists no separate penalty amount for Silver through Platinum Plus tiers
applicable is extra.
The reviewed current-account catalogue does not publish a universal debit-card variant for every tier
card availability and applicable charges are confirmed for the selected account and customer type at opening.
Cheque-leaf entitlement is variant-specific and not published for every tier in the reviewed catalogue
Platinum Plus publishes 500 free cheque leaves per quarter.
Platinum Plus publishes cash withdrawal up to ₹50,000 per day at a non-base branch. Other current-account tiers have variant/channel limits confirmed by BOI at account opening.
The current annexure publishes non-maintenance penalty thresholds by branch for Normal accounts: ₹7,500 in metro, ₹5,000 in urban, and ₹2,000 in semi-urban/rural branches. Tiered current-account bands in the digital-banking table are Normal below ₹20,000, Silver ₹20,000–<₹50,000, Gold ₹50,000–<₹1,00,000 and Gold Plus ₹1,00,000–<₹2,00,000
Platinum Plus page publishes ₹20 lakh MAQB.
Not applicable: current accounts are business/transaction accounts, not salary accounts.
Current accounts are transaction accounts
the reviewed BOI current-account catalogue and service-charge annexure publish no deposit interest percentage for these variants.
Normal current-account penalty is ₹600 per quarter in metro ( below ₹7,500), ₹500 in urban (below ₹5,000), ₹500 in semi-urban (below ₹2,000) and ₹350 in rural (below ₹2,000). The annexure lists no separate penalty amount for Silver through Platinum Plus tiers
applicable is extra.
The reviewed current-account catalogue does not publish a universal debit-card variant for every tier
card availability and applicable charges are confirmed for the selected account and customer type at opening.
Cheque-leaf entitlement is variant-specific and not published for every tier in the reviewed catalogue
Platinum Plus publishes 500 free cheque leaves per quarter.
Platinum Plus publishes cash withdrawal up to ₹50,000 per day at a non-base branch. Other current-account tiers have variant/channel limits confirmed by BOI at account opening.
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.
Not applicable: these are savings-account schemes, not salary accounts.
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.
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
annual maintenance follows the issued card and .
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 reviewed account pages publish up to 10 free BOI- transactions per month and up to 5 at other-bank for pension and Nari Shakti accounts
other account variants follow the applicable BOI debit-card variant and current /BOI limits.
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.
Not applicable: these are savings-account schemes, not salary accounts.
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.
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
annual maintenance follows the issued card and .
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 reviewed account pages publish up to 10 free BOI- transactions per month and up to 5 at other-bank for pension and Nari Shakti accounts
other account variants follow the applicable BOI debit-card variant and current /BOI limits.
see the product name and eligibility for its professional, women, family, teacher or salary segment.
Minimum quarterly average balance ₹5,000 to receive IND Corp Elite benefits.
Employee aged 18–60 with at least six months confirmed service and salary credited or going to be credited to Indian Bank
Police, Defence and Security personnel excluded.
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.
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.
The reviewed IND Corp Elite page does not publish a separate cheque-leaf quota
normal savings-account terms apply.
No separate numeric limit is published
the attached RuPay Platinum and account service schedules apply.
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.
Resident -compliant family members only
no salary threshold is published. Minors, , non-personal entities, and staff are excluded.
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.
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.
Free cheque book for the primary account opened under IND FAMILY.
The reviewed IND FAMILY page does not publish a separate numeric limit
the selected eligible debit-card schedule applies.
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.
Resident teacher, professor or lecturer with minimum monthly gross salary ₹15,000
entry age 21 and exit at 62 or superannuation, whichever is earlier.
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.
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.
50 free cheque leaves per calendar year
10 free per calendar year.
Unlimited free withdrawals at Indian Bank and other-bank
70 transactions free per half year excluding online transactions. RuPay Platinum limit ₹1,00,000.
IND PENSION-PRIME PLUS savings account for Central, State Government and pensioners.
Nil initial deposit and nil average monthly balance. A of ₹10,000 or more activates the published ₹10 lakh cover.
Not a salary account
eligibility is based on receiving Central, State Government or pension. No salary threshold is published.
The in-built Insta- currently shows 10.15% (Repo Rate 5.50% + Prime Spread 2.70% + Spread 1.95%)
the savings account rate itself is not separately printed on the reviewed page.
No non-maintenance charge is stated for the nil- product
other charges follow the applicable service schedule.
The reviewed page does not publish a separate debit-card variant
account-linked card rules apply.
20 cheque leaves free in a calendar year.
Insta- is capped at ₹1,00,000 or one month’s pension credit, whichever is lower
extends up to age 75 for regular pensioners and is unavailable to family pensioners. Pension loan is up to 18× monthly pension for regular pensioners and 12× for family pensioners.
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.
Valid professional membership, degree or licence
no salary threshold is published.
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.
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.
The reviewed IND PRO page does not publish a separate cheque-leaf quota.
The reviewed IND PRO page does not publish a numeric limit
see the product name and eligibility for its professional, women, family, teacher or salary segment.
Nil initial deposit and nil minimum average balance
salary tier is determined by minimum monthly net salary from ₹25,000 to ₹2,00,000.
Minimum monthly net salary: Basic ₹25,000, Silver ₹50,000, Gold ₹1,00,000, Diamond ₹1,50,000 or Platinum ₹2,00,000
Defence and Police excluded.
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.
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.
The reviewed Sampoorna Plus page does not publish a separate cheque-leaf quota
see the product name and eligibility for its professional, women, family, teacher or salary segment.
variant of at least ₹20,000 or at least ₹25,000
failure triggers ordinary savings penalty and discontinues scheme insurance.
Regular permanent Government, or private-sector employee with at least six months’ service
entry age 18 and exit at 60 or service end.
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.
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.
Free cheque book.
The scheme does not publish a separate withdrawal figure
free RuPay Platinum card and its published card schedule apply. Debit-card personal-accident cover is ₹2 lakh.
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.
Women aged 18 or above
no salary threshold is published.
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.
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.
The reviewed IND SHAKTI page does not publish a separate cheque-leaf quota
normal savings rules apply.
No separate numeric limit is published
the selected RuPay Platinum or Select card schedule applies.
Not applicable - Rise is an age-based youth savings account
the leaflet does not require salary credit.
As per PNB's current savings-deposit rate table
no separate Rise rate is stated in the leaflet.
Extant bank annual-maintenance charge applies if the ₹50,000 e-commerce/ annual transaction condition or ₹10,000 yearly-average-balance condition is not met.
Customer must apply at the home branch with salary and employment proof, and the account must be classified to the correct salary package and variant in system
Zero-balance account
↓
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
↓
2.50% p.a. across all savings-bank account balances, effective 15 June 2025
No monthly minimum-balance maintenance charge is applied while the account remains a Salary Package account
if salary is not credited for more than three consecutive months, converts it to a normal savings account and normal savings-account charges apply.
A debit card is issued free to all Salary Package accounts, subject to the applicable account and card terms.
Salary Package accounts, including Rishtey, receive cheque books free irrespective of
the published bulk-requirement exception is ₹75 + for each 25-leaf book when more than 25 leaves are requested at once or in a month.
Not applicable: presents this as a business/current account for the stated tier, startup, escrow, , collection, , trade or interbank use
the account is not conditioned on a salary-credit threshold.
No interest is payable on credit balances in a current account.
non-maintenance, annual account keeping, and other charges apply according to the selected current-account variant or card rate
The Current Account page publishes cheque-book, cash, Internet Banking and / facilities but does not state an account-linked debit-card issuance, network or fee.
Cheque-book facility
The Current Account page does not publish an facility or a numeric withdrawal/transaction limit.
Not published on the official Escrow Current Account page. The page publishes transaction limits, deposit modes and service features but no , or minimum-balance amount.
Not applicable: presents this as a business/current account for the stated tier, startup, escrow, , collection, , trade or interbank use
the account is not conditioned on a salary-credit threshold.
No interest is payable on credit balances in a current account.
Nil.
↓
Not allowed.
Not allowed.
/debit card is not allowed for the Escrow Current Account.
Not applicable: presents this as a business/current account for the stated tier, startup, escrow, , collection, , trade or interbank use
the account is not conditioned on a salary-credit threshold.
No interest is payable on credit balances in a current account.
₹2,000 + per month
The reviewed account page publishes the tier's , cash-deposit allowance, cheque leaves and digital transfer facilities, but does not state an account-linked debit-card issuance, network or card fee.
300 free multicity cheque leaves per month
cash deposits free up to 15 times the previous month's , capped at ₹1 crore per month
Home-branch cash withdrawals are unlimited each month
non-home-branch cash withdrawals are free up to ₹2,00,000 per day.
Not applicable: presents this as a business/current account for the stated tier, startup, escrow, , collection, , trade or interbank use
the account is not conditioned on a salary-credit threshold.
No interest is payable on credit balances in a current account.
₹4,000 + when is below ₹2,50,000
₹2,000 + when is at least ₹2,50,000 but below ₹5,00,000
Free Premium Business Debit Card issuance
700 free multicity cheque leaves per month
cash deposits free up to ₹1 crore per month
The Import Export Trader's Current Account page publishes a free Foreign Travel Card and current-account transaction facilities but does not publish an /debit withdrawal limit for the account itself.
Not applicable: presents this as a business/current account for the stated tier, startup, escrow, , collection, , trade or interbank use
the account is not conditioned on a salary-credit threshold.
No interest is payable on credit balances in a current account.
₹4,000 + when is at or below ₹2,50,000
₹2,000 + when above ₹2,50,000 but below the requirement
The Interbank Current Account page publishes , cash deposit, cheque leaves, / and demand-draft facilities, but does not publish an account-linked debit-card issuance, network or card fee.
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.
Not applicable: describes this record as a savings, or resident-foreign-currency account rather than a salary-package account
no salary-credit threshold applies to the product type.
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.
-cum-debit card is available only with the court's permission
by default it is not made available.
Cheque-book facility is available only with the court's permission
by default it is not made available.
access is conditional on court permission
the product page does not publish a numeric withdrawal limit.
Not applicable: presents this as a business/current account for the stated tier, startup, escrow, , collection, , trade or interbank use
the account is not conditioned on a salary-credit threshold.
No interest is payable on credit balances in a current account.
₹500 + per month
The reviewed account page publishes the tier's , cash-deposit allowance, cheque leaves and digital transfer facilities, but does not state an account-linked debit-card issuance, network or card fee.
50 free multicity cheque leaves per month
cash deposits free up to 100 times the previous month's , capped at ₹5 lakh per month
Home-branch cash withdrawals are unlimited each month
non-home-branch cash withdrawals are free up to ₹2,00,000 per day.
Not applicable: presents this as a business/current account for the stated tier, startup, escrow, , collection, , trade or interbank use
the account is not conditioned on a salary-credit threshold.
No interest is payable on credit balances in a current account.
Account 1: nil
Account 2: nil
Account 3: ₹500 + .
The Current Account page does not publish a debit-card facility or network for Account 1, Account 2 or Account 3. It instead specifies restricted transaction modes and viewing-only Internet Banking for the collection accounts.
Cheque-book facility is not allowed for Account 1 and Account 2
Account 3 operates as a Regular Current Account.
Non-home-branch debit is not allowed for Account 1 and Account 2. Account 2 withdrawals require the prescribed withdrawal form and professional certificates
Account 3 follows Regular Current Account operation.
USD 500, GBP 250, or EUR 500, according to the account currency
Not applicable: describes this record as a savings, or resident-foreign-currency account rather than a salary-package account
no salary-credit threshold applies to the product type.
A non-interest-bearing foreign-currency current account for resident Indians to retain eligible receipts temporarily in dollars, pounds sterling, or euros.
The (Domestic) page specifies minimum balances of USD 500, GBP 250 and EUR 500 but publishes no separate non-maintenance charge or penalty for falling below them.
No /debit card is provided with the Resident Foreign Currency (Domestic) Account.
No cheque book is provided.
No card is provided with the Resident Foreign Currency (Domestic) Account, so withdrawals are not a product facility.
Pehla Kadam and Pehli Udaan minor savings accounts
Not applicable
↓
Not applicable: describes this record as a savings, or resident-foreign-currency account rather than a salary-package account
no salary-credit threshold applies to the product type.
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.
Photo debit card
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
Pehla Kadam and Pehli Udaan permit a maximum ₹5,000 per day for the limited internet-banking functions published by (bill payments, e-/e-STD/e- opening, and demand drafts). The associated photo--cum-Debit Card is available for both variants
the product's ₹5,000 withdrawal/ limit is recorded separately.
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.
Not applicable: describes this record as a savings, or resident-foreign-currency account rather than a salary-package account
no salary-credit threshold applies to the product type.
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
RuPay Classic card is issued with the account.
Cheque book can be requested through , internet banking or branch after successful opening
passbook is issued on request
A RuPay Classic card is issued, but the Insta Plus (Video ) page publishes no numeric withdrawal or transaction limit
other service charges follow regular savings-account norms.
Not applicable: describes this record as a savings, or resident-foreign-currency account rather than a salary-package account
no salary-credit threshold applies to the product type.
2.50% p.a. across all savings-bank account balances, effective 15 June 2025
No penalty
waived from 11 March 2020
↓
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.
First 10 cheque leaves are free in a financial year
thereafter a 10-leaf book costs ₹40 + and a 25-leaf book costs ₹75 + .
Free withdrawals are restricted according to the Monthly Average Balance maintained
the page does not publish the tier limits on this product page.
Savings bank account linked to Multi Option Deposit Scheme (MODS) term deposits
Nil
↓
Not applicable: describes this record as a savings, or resident-foreign-currency account rather than a salary-package account
no salary-credit threshold applies to the product type.
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.
card is included as a Savings Plus Account feature
the page does not identify a specific network or card fee.
10 free leaves per year
later leaves are charged
An card is included, but the Savings Plus product page publishes no numeric withdrawal amount, transaction count or per-day limit.
waived for the first 12 calendar months from the account-opening month
Not applicable: presents this as a business/current account for the stated tier, startup, escrow, , collection, , trade or interbank use
the account is not conditioned on a salary-credit threshold.
No interest is payable on credit balances in a current account.
₹1,000 + per month after the first 12 calendar months
Free Pride Business Debit Card and Insta Deposit Card
100 free multicity cheque leaves and cash deposits up to ₹15 lakh per month
The Shubharambh page publishes a free Pride Business Debit Card and Insta Deposit Card but no numeric withdrawal amount, transaction count or per-day limit.
Not applicable: presents this as a business/current account for the stated tier, startup, escrow, , collection, , trade or interbank use
the account is not conditioned on a salary-credit threshold.
No interest is payable on credit balances in a current account.
₹1,000 + per month
The reviewed account page publishes the tier's , cash-deposit allowance, cheque leaves and digital transfer facilities, but does not state an account-linked debit-card issuance, network or card fee.
150 free multicity cheque leaves per month
cash deposits free up to 30 times the previous month's , capped at ₹25 lakh per month
Home-branch cash withdrawals are unlimited each month
non-home-branch cash withdrawals are free up to ₹2,00,000 per day.
savings account: ₹3,000 in metro/urban, ₹2,000 in semi-urban or ₹1,000 in rural branches
Not applicable: describes this record as a savings, or resident-foreign-currency account rather than a salary-package account
no salary-credit threshold applies to the product type.
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.
Free business debit card is included for the Surabhi Current Account variant.
Current Account: 50 cheque leaves free in a financial year. Savings Account: first 10 cheque leaves free in a financial year.
The Surabhi Current/Savings Account page publishes current and savings , cash-deposit and cheque-leaf rules and sweep terms, but no account-linked facility or numeric limit.
Green marks the most favourable compatible published number or range in each column; incomparable units and overlapping range trade-offs remain neutral.
bob ADVANTAGE Current AccountBank of Baroda
bob Advantage Saving AccountBank of Baroda
bob Bank Mitra Bachat KhataBank of Baroda
bob BRO Saving AccountBank of Baroda
bob Champ AccountBank of Baroda
bob Current Account for LIC/Other InsuranceBank of Baroda
bob Current Account for Other BanksBank of Baroda
bob DIAMOND Current AccountBank of Baroda
bob Escrow Current Account SchemeBank of Baroda
bob Family Current Accounts SegmentBank of Baroda
bob Family Savings Accounts SegmentBank of Baroda
bob GOLD Current AccountBank of Baroda
bob Govt Bodies Current AccountBank of Baroda
bob Jeevan Suraksha Saving AccountBank of Baroda
bob LITE Current AccountBank of Baroda
bob LITE Savings AccountBank of Baroda
bob Mahila Shakti Saving 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 Current AccountBank of Baroda
bob Platinum Saving Bank AccountBank of Baroda
bob PREMIUM Current AccountBank of Baroda
bob Professional Saving Bank AccountBank of Baroda
bob RERA Current Account SchemeBank of Baroda
bob RHODIUM Current AccountBank of Baroda
bob Salary Classic AccountBank of Baroda
bob SB Self Help GroupBank of Baroda
bob Scale-Up Current AccountBank of Baroda
bob Senior Citizen Privilege SchemeBank of Baroda
bob Senior Citizen Vishesh Samman SBBank of Baroda
bob SMART Current AccountBank of Baroda
bob Start-up Current AccountBank of Baroda
bob Super Savings AccountBank of Baroda
bob SUPREME Current AccountBank of Baroda
bob WOMEN POWER Current AccountBank of Baroda
bob Women Sapphire Savings AccountBank of Baroda
Government Savings Account (bob Govt. Bodies SB Account)Bank of Baroda
SBI Corporate Salary PackageState Bank of India
SBI Savings Bank AccountState Bank of India
