Savings, current & salary accounts

BOI Gold Current Account

A Gold-tier BOI current account with reduced branch remittance charges and -linked service terms.

Interest rateCurrent accounts are transaction accounts; the reviewed BOI current-account catalogue and service-charge annexure publish no deposit interest percentage for these variants.MAQB / minimum balanceThe 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 AQB 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.Salary requirementNot applicable: current accounts are business/transaction accounts, not salary accounts.

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✓ Manually checked 30 Aug 2026 · active

Offered byBank of India

India; BOI branches

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

Account typeBusiness current account tier.View source

BOI lists these products under Business → Accounts → Current Account.

Source: Current Account — BOI
Page / section: Current-account catalogue
Accessed: 30 Aug 2026
Confidence: high

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Interest rateCurrent accounts are transaction accounts; the reviewed BOI current-account catalogue and service-charge annexure publish no deposit interest percentage for these variants.View source

The current-account pages publish facilities and charges, not a credit interest rate.

Source: Current Account — BOI
Page / section: Catalogue and linked terms
Accessed: 30 Aug 2026
Confidence: high

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Salary requirementNot applicable: current accounts are business/transaction accounts, not salary accounts.View source

The sitemap places current accounts under Business accounts, separate from Personal salary accounts.

Source: Current Account — BOI
Page / section: Business account catalogue
Accessed: 30 Aug 2026
Confidence: high

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MAQB / minimum balanceThe 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 AQB 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.View source

The annexure lists branch-specific Normal penalties and tier bands; the Platinum Plus page publishes ₹20 lakh MAQB.

Source: Annexure I — Current-account service charges
Page / section: p. 13 and tiered current-account table
Accessed: 30 Aug 2026
Confidence: high

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Non-maintenance chargeNormal current-account penalty is ₹600 per quarter in metro (AQB 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 GST is extra.View source

The current table publishes Normal penalties and leaves other tiers without a separate numeric penalty.

Source: Annexure I — Current-account service charges
Page / section: p. 13 — current-account non-maintenance
Accessed: 30 Aug 2026
Confidence: high

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Cheque bookCheque-leaf entitlement is variant-specific and not published for every tier in the reviewed catalogue; Platinum Plus publishes 500 free cheque leaves per quarter.View source

The Platinum Plus page publishes 500 free cheque leaves per quarter; the catalogue does not give a universal figure for each tier.

Source: Platinum Plus Current Account — BOI
Page / section: Features
Accessed: 30 Aug 2026
Confidence: high

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Cash withdrawalPlatinum 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.View source

The product page explicitly publishes the ₹50,000 other-branch daily withdrawal limit.

Source: Platinum Plus Current Account — BOI
Page / section: Features
Accessed: 30 Aug 2026
Confidence: high

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Debit cardThe 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.View source

The complete current-account catalogue lists facilities but no single debit-card variant across all tiers.

Source: Current Account — BOI
Page / section: Catalogue and facilities
Accessed: 30 Aug 2026
Confidence: high

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Benefits and features

Gold tier pricing
80% of normal branch / outward charges

Eligibility

Entities eligible to open a BOI current account; Gold applies.

Passing a listed condition does not mean the bank will approve an application.

Documents the bank lists

, constitution and business documents requested by BOI

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Account interest estimate

See roughly how much interest a steady account balance could earn over the period you choose.

Balance kept in the accountUse the amount you expect to keep there on average.₹one lakh rupees₹1,000₹1,00,00,000Yearly interest rateThe percentage the account pays in one year.%0.1%15%How long the money staysThe number of months used for this estimate. months1 months60 months

Interest you may earn₹2,700two thousand seven hundred rupees

Balance including interest₹1,02,700one lakh two thousand seven hundred rupees

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

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Star Normal · Tier / referenceNormal; branch-specific penalty thresholds

This value is copied from BOI current accounts — published tiers and facilities. Check the table notes before relying on it.

Source: BOI current-account catalogue, Annexure I and detail pages · Current-account product cards, charges table and facilities Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 9 rows · 5 columnsBOI current accounts — published tiers and facilitiesCurrent-account tiers, AQB references, remittance concessions and explicitly published facilities.View tableHide table

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BOI current accounts — published tiers and facilities
Account	Tier / reference	Branch / outward charge	Published facility	Source
Star Normal	Normal; branch-specific penalty thresholds	Normal charge	Standard current-account operations	Annexure I
Silver	₹20,000–<₹50,000 reference	90% of normal	Tier pricing	Annexure I
Gold	₹50,000–<₹1,00,000 reference	80% of normal	Tier pricing	Annexure I
Gold Plus	₹1,00,000–<₹2,00,000 reference	70% of normal	Tier pricing	Annexure I
Diamond	Tier-specific	50% of normal	Tier pricing	Annexure I
Diamond Plus	Tier-specific	40% of normal	Tier pricing	Annexure I
Platinum	Tier-specific	Free	Premium tier	Annexure I
Platinum Plus	₹20,00,000 MAQB	Free	₹50,000/day other-branch cash; 500 cheque leaves/quarter; relationship manager	Platinum Plus page
Star Choice	>₹2,00,000 opening balance	Free BOI /	₹20 lakh/day cash deposit; ₹1 lakh/day other-branch withdrawal; up to ₹1 crore	Choice page

BOI current-account catalogue, Annexure I and detail pages · Current-account product cards, charges table and facilities · accessed 30 Aug 2026Open official source ↗

BOI Gold Current Account

What the official sources publish

Benefits and features

Eligibility

Documents the bank lists

Related official documents

Try the numbers

Account interest estimate

Find the exact published value

Complete rates, limits and schedules

Related products

BOI Star Choice Current Account

BOI Diamond Current Account

BOI Diamond Plus Current Account

BOI Elite Salary Account