Savings, current & salary accounts

BOI Nari Shakti Savings Account

A zero-balance, tiered savings account for women with -linked card, locker and accident-cover benefits.

Interest rateBOI 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the savings component as earning the savings rate advised by the Bank from time to time; the reviewed product pages do not publish a fixed numeric percentage.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 SB component and applicable card rates to its FFD component.AMB / AQB / minimum balanceGeneral, pension, Nari Shakti and salary accounts publish nil/no daily minimum-balance requirements; Savings Plus uses a ₹1,00,000 AQB threshold for its sweep/charge rules. Tiered AQB reference points are ₹10,000, ₹1,00,000, ₹5,00,000 and ₹10,00,000.Salary requirementNot applicable: this is a savings-account scheme, not a salary account.

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✓ Manually checked 30 Aug 2026 · active

Offered byBank of India

India; BOI branches and digital account-opening channels

Key facts

What the official sources publish

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

EligibilityWomen aged 18 years and above with an independent source of regular income; account may be single or joint, but the first holder must be in the target group.View source

The eligibility tab specifies women aged 18+ and independent regular income.

Source: Nari Shakti Savings Account — BOI
Page / section: Eligibility
Accessed: 30 Aug 2026
Confidence: high

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AMB / AQB / minimum balanceGeneral, pension, Nari Shakti and salary accounts publish nil/no daily minimum-balance requirements; Savings Plus uses a ₹1,00,000 AQB threshold for its sweep/charge rules. Tiered AQB reference points are ₹10,000, ₹1,00,000, ₹5,00,000 and ₹10,00,000.View source

The reviewed product pages and current service-charge annexures publish nil minimum balance for applicable schemes and the tiers/thresholds.

Source: BOI savings-account catalogue and linked pages
Page / section: Savings and salary account benefits
Accessed: 30 Aug 2026
Confidence: high

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Accident coverFree accident cover up to ₹2 crore or 10 times AQB maintained, whichever is lower; base accident-death cover increases by AQB tier.View source

The current page publishes the ₹2 crore/10x- cap and tiered base cover.

Source: Nari Shakti Savings Account — BOI
Page / section: Group Personal Accident Insurance Cover
Accessed: 30 Aug 2026
Confidence: high

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Account typeSavings account; salary-account products are salary savings accounts.View source

The official catalogue separates Savings Account and Salary Account and lists each product under the corresponding heading.

Source: BOI accounts catalogue
Page / section: Personal accounts catalogue
Accessed: 30 Aug 2026
Confidence: high

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Debit cardThe account-category tables link cards by tier: RuPay NCMC for Normal, Visa Classic/RuPay NCMC for Classic, RuPay Platinum/RuPay NCMC for Gold, RuPay Select/RuPay NCMC for Diamond and Visa Signature/RuPay NCMC for Platinum. First issuance is waived for applicable schemes; annual maintenance follows the issued card and AQB.View source

The official table maps account categories to card variants and states first-issuance waiver conditions.

Source: Savings Bank Account General — BOI
Page / section: / Debit / Credit Card table
Accessed: 30 Aug 2026
Confidence: high

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The reviewed account pages describe interest as competitive or as advised by BOI; no fixed rate table is embedded in the product pages.

Source: BOI savings-account catalogue
Page / section: Benefits / current rate link
Accessed: 30 Aug 2026
Confidence: high

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Non-maintenance chargeNo 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 AQB is not maintained.View source

The current annexure exempts Basic/Jan Dhan, pensioner, salary, minor and staff accounts; the reviewed product pages state no daily minimum balance for the applicable schemes.

Source: Annexure I — General Banking service charges
Page / section: Minimum-balance exemptions and account-category charges
Accessed: 30 Aug 2026
Confidence: high

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Cheque bookCheque 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.View source

The account-category table publishes the free-leaf counts and the linked scheme pages state that concessions vary by category.

Source: Savings Bank Account General — BOI
Page / section: Features table — free cheque leaves
Accessed: 30 Aug 2026
Confidence: high

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ATM limits / transactionsThe reviewed account pages publish up to 10 free BOI-ATM transactions per month and up to 5 at other-bank ATMs for pension and Nari Shakti accounts; other account variants follow the applicable BOI debit-card variant and current RBI/BOI limits.View source

The pension and Nari Shakti tables publish 10 BOI- and 5 other-bank free transactions; card limits vary by issued card.

Source: Pensioners Savings Account — BOI
Page / section: / debit-card benefits
Accessed: 30 Aug 2026
Confidence: high

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Salary requirementNot applicable: this is a savings-account scheme, not a salary account.View source

The catalogue lists this product under Savings Account, separate from Salary Account.

Source: BOI savings-account catalogue
Page / section: Savings product catalogue
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Benefits and features

Nil minimum balance
First debit-card issuance waiver
Accident cover up to ₹2 crore or 10 times , whichever is lower

Eligibility

Women aged 18 years and above with an independent source of regular income; single or joint account, with first holder in the target group.

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

Documents the bank lists

and income/account-opening documents requested by BOI

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Account interest estimate

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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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Savings Bank Account General · Audience / eligibilityResident individuals, joint holders,

This value is copied from BOI savings accounts — published terms. Check the table notes before relying on it.

Source: BOI savings catalogue and linked product pages · Product cards and detail tables Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 7 rows · 5 columnsBOI savings accounts — published termsProducts and conditions transcribed from BOI's current savings catalogue and linked pages.View tableHide table

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BOI savings accounts — published terms
Product	Audience / eligibility	Minimum balance or threshold	Published benefits	Source
Savings Bank Account General	Resident individuals, joint holders,	No daily minimum-balance charge; tiers ₹10,000 / ₹1,00,000 / ₹5,00,000 / ₹10,00,000	Five account tiers; accident cover up to ₹2 crore or 10×	General page
Pratham Savings Account	Entry-level savings customers	Catalogue does not publish a separate numeric threshold	Savings interest and alternate channels	Savings catalogue
Pensioners Savings Account	Regular BOI pensioners, any age	Nil minimum balance	Pension advance up to ₹1 lakh; cover up to ₹25 lakh base	Pension page
Star Parivaar Savings Account	Families banking together	Variant conditions confirmed at opening	Family concessions and privileges	Savings catalogue / annual report
Nari Shakti Savings Account	Women 18+ with independent regular income	Nil minimum balance; tiers	First card issuance waiver; cover up to ₹2 crore or 10×	Nari Shakti page
Savings Plus Scheme	Savings customers using sweep deposits	₹1,00,000 sweep-out threshold	Sweep-in in ₹25,000 multiples; ₹200 quarterly charge if not maintained	Savings Plus page
Super Savings Plus Scheme	Savings customers; variant confirmation required	Variant-specific terms confirmed at opening	Catalogue-listed sweep-linked savings variant	Savings catalogue

BOI savings catalogue and linked product pages · Product cards and detail tables · accessed 30 Aug 2026Open official source ↗

BOI Nari Shakti Savings 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

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BOI Diamond Current Account

BOI Diamond Plus Current Account

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