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.
Metro ₹800
urban ₹600
rural/semi-urban ₹400
Visa Vyapaar Business Debit Card is issued
the first year is free and charges apply after the first year.
First 50 leaves free
subsequent leaves ₹5 each
Cash deposits at cash machines are allowed up to ₹2,00,000 per day with registered or ₹49,999 without
cardless account-number transactions are allowed up to ₹20,000 per day. The page also gives five free branch cash withdrawals per month, 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.
₹0
↓
Debit-card eligibility
30 free cheque leaves per financial year
additional leaves are charged under the applicable Bank of Baroda service-charge 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
The product page publishes cash-machine deposits up to ₹2,00,000 per day with registered or ₹49,999 without
cardless account-number transactions up to ₹20,000 per day
non-base cash withdrawal up to ₹50,000 per day per transaction for the account holder, or ₹25,000 per day for a savings account without a cheque book. The RuPay Platinum card's daily amount is not separately stated.
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.
Unlimited free cheque book under the government salary package.
The applicable debit-card rule is a maximum withdrawal of ₹15,000 per transaction at a and five free - transactions per month. The daily withdrawal ceiling depends on the specific debit-card variant issued under the account or salary package.
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
30 cheque leaves free each year
standard charges apply after the free annual allowance.
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.
The account has no minimum balance. The page states that of ₹2,00,000 or more attracts zero cheque-book charges
it does not publish a separate non-maintenance amount below that .
Value awaiting review
First 50
₹5 plus per leaf after
Cash withdrawal at the base branch has no upper limit on the page. At local non-base and outstation branches, up to ₹25,000 per day per account is free
amounts above that follow service charges. The page does not publish a debit-card limit.
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.
The page gives a ₹5,000 minimum and says accounts with of ₹2,00,000 or more have no cheque-book charges
it does not publish a separate non-maintenance amount below ₹2,00,000.
Value awaiting review
First 50
₹5 per leaf after
Cash withdrawal at the local base branch has no limit on the product page. Cash withdrawal at local non-base and outstation branches is not allowed
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.
For the ₹50,00,000 requirement, the page lists ₹10,000 when is below ₹25,00,000 and ₹6,000 when is above ₹25,00,000 but below the requirement.
Visa Vyapaar DI Business Debit Card is free
both issuance and renewal charges are nil.
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
No debit-card facility is offered for the escrow account
the product is view-only for internet banking and does not allow mobile banking.
Cheque books are not allowed for the Escrow Current Account.
Cash withdrawal is not allowed from the Escrow Current Account
no withdrawal facility is therefore available for the escrow balance.
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.
Value awaiting review
Value awaiting review
Annual cheque-book charge waiver is 25% for Silver Family, 50% for Gold Family and 100% for Diamond Family.
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.
↓
Value awaiting review
The Family Savings segment waives annual cheque-book charges by 25% for Silver Family, 50% for Gold Family and 100% for Diamond Family
the page does not state a universal free-leaf allowance.
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.
Free unlimited personalised cheque books.
Unlimited free transactions at all Bank of Baroda .
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
↓
Value awaiting review
Free cheque book and electronic transfers
At cash machines, debit-card cash deposits are allowed up to ₹2,00,000 per day when is registered and ₹49,999 per day when it is not
cardless account-number transactions are allowed up to ₹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.
↓
Value awaiting review
30 free cheque leaves per financial year
At cash machines, debit-card cash deposits are allowed up to ₹2,00,000 per day when is registered and ₹49,999 per day when it is not
cardless account-number transactions are allowed up to ₹20,000 per day. Branch cash withdrawal at outstation branches is capped at ₹50,000 per day for the account holder
the page does not publish a separate cash-withdrawal ceiling.
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
At cash machines, debit-card cash deposits are allowed up to ₹2,00,000 per day when is registered and ₹49,999 per day when it is not
cardless account-number transactions are allowed up to ₹20,000 per day. The page does not publish a separate cash-withdrawal ceiling for bob LITE.
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
At cash machines, debit-card cash deposits are allowed up to ₹2,00,000 per day when is registered and ₹49,999 per day when it is not
cardless account-number transactions are allowed up to ₹20,000 per day. Branch cash withdrawal at outstation branches is capped at ₹50,000 per day for the account holder
₹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.
↓
Any debit-card variant may be issued as requested, subject to the terms of that card
the first year is free and standard annual charges apply thereafter.
Unlimited free cheque books
At cash machines, debit-card cash deposits are allowed up to ₹2,00,000 per day when is registered and ₹49,999 per day when it is not
cardless account-number transactions are allowed up to ₹20,000 per day. Branch cash withdrawal at outstation branches is capped at ₹50,000 per day for the account holder.
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.
For the ₹10,00,000 requirement, the page lists ₹2,500 when is below ₹5,00,000 and ₹1,500 when is above ₹5,00,000 but below the requirement.
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%
Visa Vyapaar Business Debit Card is issued to eligible Individual and Proprietor accounts
the first year is free and charges apply thereafter.
Unlimited cheque leaves
The applicable debit-card rule is a maximum withdrawal of ₹15,000 per transaction at a and five free - transactions per month. The daily withdrawal ceiling depends on the specific debit-card variant issued under the account or salary package.
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.
No minimum-balance charge applies because the account has NIL . The page instead lists a separate ordinary escrow-account service charge of 0.10% of turnover or ₹20,000 per year, whichever is lower, excluding .
Value awaiting review
Cheque books are not allowed for the Current Account Scheme.
Cash withdrawal is not allowed from the account
no withdrawal facility is available for the balance.
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
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
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
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
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 monthly average balance.
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.
The account uses the live Bank of Baroda Savings Bank Deposits schedule: 2.50% p.a. up to balances below ₹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
and 4.75% at ₹2,000 crore and above.
If a cheque book is issued: ₹1,000 in Metro/Urban branches or ₹500 in Rural/Semi-Urban branches. Without a cheque book: ₹500 in Metro/Urban, ₹0 in Rural/Semi-Urban.
Not applicable
the account page explicitly states that a debit card is not available for the Self Help Group account.
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
A business debit card with multiple offers is available with the Scale-Up Current Account.
Unlimited free cheque leaves
At cash machines, debit-card cash deposits are allowed up to ₹2,00,000 per day when is registered and ₹49,999 per day when it is not
cardless account-number transactions are allowed up to ₹20,000 per day. At local non-base and outstation branches, cash withdrawal up to ₹25,000 per day per account is free
base-branch cash withdrawal has no upper limit on the page.
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.
The product page directs customers to the live savings-deposit rate schedule. The current schedule effective 22 August 2025 is 2.50% p.a.below ₹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 and 4.75% at ₹2,000 crore and above.
6% of the actual monthly shortfall, subject to a minimum of ₹50 and maximum of ₹100.
Visa Platinum debit card
50 per financial year
Free unlimited transactions at Bank of Baroda
cash withdrawal at an outstation branch is limited to ₹50,000 per day for the account holder. The page does not state a separate off-us amount.
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.
After the first two years, the ₹75,000 shortfall charge is ₹1,000 plus
the bank waives it during the first two years after account opening.
A business debit card with multiple offers is available with the Start-up Current Account.
200 per month
Cash deposits at cash machines are allowed up to ₹2,00,000 per day with registered or ₹49,999 without
cardless account-number transactions are allowed up to ₹20,000 per day. Cheque withdrawals at the base branch have no upper limit on the page
local non-base and outstation branch withdrawals up to ₹25,000 per day are free of charges.
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%
Visa Vyapaar Business Debit Card is issued to Individual and Proprietor accounts only and is free under the published scheme.
Unlimited cheque leaves
The applicable debit-card rule is a maximum withdrawal of ₹15,000 per transaction at a and five free - transactions per month. The daily withdrawal ceiling depends on the specific debit-card variant issued under the account or salary package.
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.
Yoddha RuPay debit card is lifetime free for eligible SB186 salary-account holders. The page also publishes a ₹10 lakh personal-accident cover on the Yoddha debit card and waivers of issuance, re-issuance and annual fees.
Unlimited free personalised cheque books are included for eligible 186 account holders.
The applicable debit-card rule is a maximum withdrawal of ₹15,000 per transaction at a and five free - transactions per month. The daily withdrawal ceiling depends on the specific debit-card variant issued under the account or salary package.
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.
Nil.
↓
A debit card is part of the account's operating workflow: the official requires the debit card to be surrendered on closure, and the page states that the /debit-card is supplied separately in the application forms. Variant, issuance fee and transaction limits are governed by that separate card schedule.
Unlimited free cheque books
At cash machines, debit-card cash deposits are allowed up to ₹2,00,000 per day when is registered and ₹49,999 per day when it is not
cardless account-number transactions are allowed up to ₹20,000 per day.
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.
30 cheque leaves in a year.
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.
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.
Not applicable — BOI current deposit accounts do not pay deposit interest
the reviewed variant pages and service-charge schedule publish no credit-interest percentage.
Value awaiting review
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.
Not applicable — BOI current deposit accounts do not pay deposit interest
the reviewed variant pages and service-charge schedule publish no credit-interest percentage.
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.
Value awaiting review
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.
Not applicable — BOI current deposit accounts do not pay deposit interest
the reviewed variant pages and service-charge schedule publish no credit-interest percentage.
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.
Value awaiting review
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.
Value awaiting review
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.
Not applicable — BOI current deposit accounts do not pay deposit interest
the reviewed variant pages and service-charge schedule publish no credit-interest percentage.
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.
Value awaiting review
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.
Not applicable — BOI current deposit accounts do not pay deposit interest
the reviewed variant pages and service-charge schedule publish no credit-interest percentage.
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.
Value awaiting review
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.
Value awaiting review
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.
Value awaiting review
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.
Value awaiting review
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.
Not applicable — BOI current deposit accounts do not pay deposit interest
the reviewed variant pages and service-charge schedule publish no credit-interest percentage.
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.
Value awaiting review
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.
Not applicable — BOI current deposit accounts do not pay deposit interest
the reviewed variant pages and service-charge schedule publish no credit-interest percentage.
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.
Value awaiting review
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.
Value awaiting review
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.
Value awaiting review
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.
Value awaiting review
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.
Value awaiting review
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.
Value awaiting review
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.
Not applicable — BOI current deposit accounts do not pay deposit interest
the reviewed variant pages and service-charge schedule publish no credit-interest percentage.
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.
Value awaiting review
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.
Not applicable — BOI current deposit accounts do not pay deposit interest
the reviewed variant pages and service-charge schedule publish no credit-interest percentage.
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.
Value awaiting review
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.
Value awaiting review
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.
Value awaiting review
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.
Pension savings account that may be single or joint with the spouse.
₹10,000 in the Spend account.
Not applicable. Eligibility is based on coverage under the Central Government Civil Pension Scheme or listed defence, railway and telecom pension routes
no salary threshold is published.
Reserve earns the prevailing domestic savings-deposit rate. Growth is a 31-day at the prevailing retail term-deposit card rate
the page currently displays 3.00% p.a. for 31 days.
Not applicable to the published pension-account eligibility
the reviewed pension page does not prescribe a minimum balance or shortfall charge.
salary, payroll, Smart, Purple, Royal, Yuva, Lok Bachat, GovPride and CG 2025 are named savings-package variants.
Scheme-specific monthly-average or quarterly-average balance applies
the standard page links the current service-charge schedule rather than publishing one universal amount.
Salary is not required for ordinary, Smart, Purple, Royal, Yuva or Lok Bachat savings accounts. Mahabank Salary and Supreme Payroll require an employer salary arrangement
CG 2025 is for Central Government salary customers.
2.50% p.a.up to ₹1 crore
2.60%above ₹1 crore to ₹100 crore
2.75%above ₹100 crore, effective 1 September 2025.
For standard operative accounts, the service-charge schedule applies a percentage of the shortfall, subject to minimum ₹1: Metro/Urban ₹2,000 (10%/15%/20% bands), Semi-Urban ₹1,000 (10%/15%/20%), Rural ₹500 (10%/15%/20%). No charge applies to Yuva, pension, no-frills/BSBDA, Mahasarvajan and other exempt products.
Classic RuPay/Visa issuance is nil
RuPay Platinum is ₹300 and RuPay Select ₹600, with scheme-specific waivers. Annual maintenance is free in the first year, then ₹200 Classic, ₹300 Platinum and ₹600 Select. Yuva, Royal, Purple, Mahabank Salary and Supreme Payroll are listed as free for cards other than Platinum/Select.
Current annual free-leaf entitlements: standard 20
Royal 100
Purple 200
BSS-1540
BSS-2560
Mahabank Salary 40
Supreme Payroll 20
GovPride 40. Additional leaves cost ₹5 each (₹100 for 20 leaves). The catalogue does not state a separate cheque-book entitlement for Yuva, Lok Bachat or CG 2025.
Bank : first five transactions free
further financial transactions ₹21 and non-financial transactions free. Other-bank : five monthly transactions free (three in the six metros), then ₹21 financial and ₹8 non-financial. The pages do not publish a rupee cash-withdrawal ceiling for these account variants.
salary, payroll, Smart, Purple, Royal, Yuva, Lok Bachat, GovPride and CG 2025 are named savings-package variants.
Scheme-specific monthly-average or quarterly-average balance applies
the standard page links the current service-charge schedule rather than publishing one universal amount.
Salary is not required for ordinary, Smart, Purple, Royal, Yuva or Lok Bachat savings accounts. Mahabank Salary and Supreme Payroll require an employer salary arrangement
CG 2025 is for Central Government salary customers.
2.50% p.a.up to ₹1 crore
2.60%above ₹1 crore to ₹100 crore
2.75%above ₹100 crore, effective 1 September 2025.
For standard operative accounts, the service-charge schedule applies a percentage of the shortfall, subject to minimum ₹1: Metro/Urban ₹2,000 (10%/15%/20% bands), Semi-Urban ₹1,000 (10%/15%/20%), Rural ₹500 (10%/15%/20%). No charge applies to Yuva, pension, no-frills/BSBDA, Mahasarvajan and other exempt products.
Classic RuPay/Visa issuance is nil
RuPay Platinum is ₹300 and RuPay Select ₹600, with scheme-specific waivers. Annual maintenance is free in the first year, then ₹200 Classic, ₹300 Platinum and ₹600 Select. Yuva, Royal, Purple, Mahabank Salary and Supreme Payroll are listed as free for cards other than Platinum/Select.
Current annual free-leaf entitlements: standard 20
Royal 100
Purple 200
BSS-1540
BSS-2560
Mahabank Salary 40
Supreme Payroll 20
GovPride 40. Additional leaves cost ₹5 each (₹100 for 20 leaves). The catalogue does not state a separate cheque-book entitlement for Yuva, Lok Bachat or CG 2025.
Bank : first five transactions free
further financial transactions ₹21 and non-financial transactions free. Other-bank : five monthly transactions free (three in the six metros), then ₹21 financial and ₹8 non-financial. The pages do not publish a rupee cash-withdrawal ceiling for these account variants.
salary, payroll, Smart, Purple, Royal, Yuva, Lok Bachat, GovPride and CG 2025 are named savings-package variants.
Scheme-specific monthly-average or quarterly-average balance applies
the standard page links the current service-charge schedule rather than publishing one universal amount.
Salary is not required for ordinary, Smart, Purple, Royal, Yuva or Lok Bachat savings accounts. Mahabank Salary and Supreme Payroll require an employer salary arrangement
CG 2025 is for Central Government salary customers.
2.50% p.a.up to ₹1 crore
2.60%above ₹1 crore to ₹100 crore
2.75%above ₹100 crore, effective 1 September 2025.
For standard operative accounts, the service-charge schedule applies a percentage of the shortfall, subject to minimum ₹1: Metro/Urban ₹2,000 (10%/15%/20% bands), Semi-Urban ₹1,000 (10%/15%/20%), Rural ₹500 (10%/15%/20%). No charge applies to Yuva, pension, no-frills/BSBDA, Mahasarvajan and other exempt products.
Classic RuPay/Visa issuance is nil
RuPay Platinum is ₹300 and RuPay Select ₹600, with scheme-specific waivers. Annual maintenance is free in the first year, then ₹200 Classic, ₹300 Platinum and ₹600 Select. Yuva, Royal, Purple, Mahabank Salary and Supreme Payroll are listed as free for cards other than Platinum/Select.
Current annual free-leaf entitlements: standard 20
Royal 100
Purple 200
BSS-1540
BSS-2560
Mahabank Salary 40
Supreme Payroll 20
GovPride 40. Additional leaves cost ₹5 each (₹100 for 20 leaves). The catalogue does not state a separate cheque-book entitlement for Yuva, Lok Bachat or CG 2025.
Bank : first five transactions free
further financial transactions ₹21 and non-financial transactions free. Other-bank : five monthly transactions free (three in the six metros), then ₹21 financial and ₹8 non-financial. The pages do not publish a rupee cash-withdrawal ceiling for these account variants.
salary, payroll, Smart, Purple, Royal, Yuva, Lok Bachat, GovPride and CG 2025 are named savings-package variants.
Scheme-specific monthly-average or quarterly-average balance applies
the standard page links the current service-charge schedule rather than publishing one universal amount.
Salary is not required for ordinary, Smart, Purple, Royal, Yuva or Lok Bachat savings accounts. Mahabank Salary and Supreme Payroll require an employer salary arrangement
CG 2025 is for Central Government salary customers.
2.50% p.a.up to ₹1 crore
2.60%above ₹1 crore to ₹100 crore
2.75%above ₹100 crore, effective 1 September 2025.
For standard operative accounts, the service-charge schedule applies a percentage of the shortfall, subject to minimum ₹1: Metro/Urban ₹2,000 (10%/15%/20% bands), Semi-Urban ₹1,000 (10%/15%/20%), Rural ₹500 (10%/15%/20%). No charge applies to Yuva, pension, no-frills/BSBDA, Mahasarvajan and other exempt products.
Classic RuPay/Visa issuance is nil
RuPay Platinum is ₹300 and RuPay Select ₹600, with scheme-specific waivers. Annual maintenance is free in the first year, then ₹200 Classic, ₹300 Platinum and ₹600 Select. Yuva, Royal, Purple, Mahabank Salary and Supreme Payroll are listed as free for cards other than Platinum/Select.
Current annual free-leaf entitlements: standard 20
Royal 100
Purple 200
BSS-1540
BSS-2560
Mahabank Salary 40
Supreme Payroll 20
GovPride 40. Additional leaves cost ₹5 each (₹100 for 20 leaves). The catalogue does not state a separate cheque-book entitlement for Yuva, Lok Bachat or CG 2025.
Bank : first five transactions free
further financial transactions ₹21 and non-financial transactions free. Other-bank : five monthly transactions free (three in the six metros), then ₹21 financial and ₹8 non-financial. The pages do not publish a rupee cash-withdrawal ceiling for these account variants.
Ordinary current account for individuals, proprietorships, partnerships, companies, trusts, corporate bodies and government or semi-government entities that complete the prescribed and account-opening process.
Quarterly average balance: ₹10,000 in metro/urban branches, ₹5,000 in semi-urban branches and ₹2,500 in rural branches.
Not applicable. The ordinary current-account page publishes customer constitution and requirements, not salary-credit eligibility.
No interest is payable on the ordinary current account.
If is not maintained, service charges apply once each quarter. The current page directs customers to the service-charge schedule
its ordinary-current-account rows publish ₹2,000 quarterly in metro/urban, ₹1,500 in semi-urban and ₹550 in rural branches.
Free Mahabank RuPay debit card is listed among the other benefits, subject to account-opening eligibility and current card rules.
The ordinary current-account page does not quantify a free-leaf quota
the applicable service-charge schedule and account variant control issuance charges.
The current-account page does not publish a numeric withdrawal ceiling
it states that a free Mahabank RuPay debit card is available and separate card/service rules apply.
Basic Savings Bank Deposit Account under Pradhan Mantri Jan-Dhan Yojana, opened through Bank of Maharashtra branches or Business Correspondent / Maha Gram Seva Kendra channels.
Nil
PMJDY accounts can be opened with zero balance.
Value awaiting review
The PMJDY page states that interest is earned on deposited amounts but does not publish a numeric rate
the applicable Bank savings schedule controls.
Nil because the PMJDY basic account has no minimum-balance requirement.
RuPay debit card is provided to the PMJDY account holder, subject to scheme and card-use conditions.
Value awaiting review
The reviewed PMJDY page and do not publish a numeric cash-withdrawal limit
Premium current-account scheme with Bronze, Silver, Gold, Platinum and Diamond tiers.
Monthly average balance: Bronze ₹1,00,000–₹5,00,000
Silver ₹5,00,000–₹10,00,000
Gold ₹10,00,000–₹15,00,000
Platinum ₹15,00,000–₹25,00,000
Diamond ₹25,00,000 and above.
Not applicable
the premium current-account page uses tier balance requirements rather than salary-credit criteria.
No interest is payable on the premium current account.
₹2,500 per quarter when the selected premium tier's minimum average balance is not maintained.
Debit-cum- card is free under the premium scheme.
500 cheque leaves are free per year.
Cash deposit is free each day up to Bronze ₹1,50,000, Silver ₹3,00,000, Gold ₹7,00,000, Platinum ₹10,00,000 and Diamond with no limit. Cash withdrawal at the home branch is free
the table also provides free self-drawn cheque payment up to ₹50,000 per day per account.
Professional current account for registered practicing doctors, chartered accountants, advocates, architects, company secretaries and cost accountants.
₹10,000 in the Spend account.
Not applicable. This professional current account uses profession and registration eligibility plus ₹50,000 average quarterly balance
it does not publish salary-credit eligibility.
Reserve earns the prevailing domestic savings-deposit rate. Growth is a 31-day at the prevailing retail term-deposit card rate
the page currently displays 3.00% p.a. for 31 days.
Value awaiting review
Nil annual maintenance on debit card
75 cheque leaves free per annum
The reviewed Pro Biz Supreme page publishes debit-card maintenance and lounge benefits but no numeric withdrawal or transaction limit.
salary, payroll, Smart, Purple, Royal, Yuva, Lok Bachat, GovPride and CG 2025 are named savings-package variants.
Scheme-specific monthly-average or quarterly-average balance applies
the standard page links the current service-charge schedule rather than publishing one universal amount.
Salary is not required for ordinary, Smart, Purple, Royal, Yuva or Lok Bachat savings accounts. Mahabank Salary and Supreme Payroll require an employer salary arrangement
CG 2025 is for Central Government salary customers.
2.50% p.a.up to ₹1 crore
2.60%above ₹1 crore to ₹100 crore
2.75%above ₹100 crore, effective 1 September 2025.
For standard operative accounts, the service-charge schedule applies a percentage of the shortfall, subject to minimum ₹1: Metro/Urban ₹2,000 (10%/15%/20% bands), Semi-Urban ₹1,000 (10%/15%/20%), Rural ₹500 (10%/15%/20%). No charge applies to Yuva, pension, no-frills/BSBDA, Mahasarvajan and other exempt products.
Classic RuPay/Visa issuance is nil
RuPay Platinum is ₹300 and RuPay Select ₹600, with scheme-specific waivers. Annual maintenance is free in the first year, then ₹200 Classic, ₹300 Platinum and ₹600 Select. Yuva, Royal, Purple, Mahabank Salary and Supreme Payroll are listed as free for cards other than Platinum/Select.
Current annual free-leaf entitlements: standard 20
Royal 100
Purple 200
BSS-1540
BSS-2560
Mahabank Salary 40
Supreme Payroll 20
GovPride 40. Additional leaves cost ₹5 each (₹100 for 20 leaves). The catalogue does not state a separate cheque-book entitlement for Yuva, Lok Bachat or CG 2025.
Bank : first five transactions free
further financial transactions ₹21 and non-financial transactions free. Other-bank : five monthly transactions free (three in the six metros), then ₹21 financial and ₹8 non-financial. The pages do not publish a rupee cash-withdrawal ceiling for these account variants.
salary, payroll, Smart, Purple, Royal, Yuva, Lok Bachat, GovPride and CG 2025 are named savings-package variants.
Scheme-specific monthly-average or quarterly-average balance applies
the standard page links the current service-charge schedule rather than publishing one universal amount.
Salary is not required for ordinary, Smart, Purple, Royal, Yuva or Lok Bachat savings accounts. Mahabank Salary and Supreme Payroll require an employer salary arrangement
CG 2025 is for Central Government salary customers.
2.50% p.a.up to ₹1 crore
2.60%above ₹1 crore to ₹100 crore
2.75%above ₹100 crore, effective 1 September 2025.
For standard operative accounts, the service-charge schedule applies a percentage of the shortfall, subject to minimum ₹1: Metro/Urban ₹2,000 (10%/15%/20% bands), Semi-Urban ₹1,000 (10%/15%/20%), Rural ₹500 (10%/15%/20%). No charge applies to Yuva, pension, no-frills/BSBDA, Mahasarvajan and other exempt products.
Classic RuPay/Visa issuance is nil
RuPay Platinum is ₹300 and RuPay Select ₹600, with scheme-specific waivers. Annual maintenance is free in the first year, then ₹200 Classic, ₹300 Platinum and ₹600 Select. Yuva, Royal, Purple, Mahabank Salary and Supreme Payroll are listed as free for cards other than Platinum/Select.
Current annual free-leaf entitlements: standard 20
Royal 100
Purple 200
BSS-1540
BSS-2560
Mahabank Salary 40
Supreme Payroll 20
GovPride 40. Additional leaves cost ₹5 each (₹100 for 20 leaves). The catalogue does not state a separate cheque-book entitlement for Yuva, Lok Bachat or CG 2025.
Bank : first five transactions free
further financial transactions ₹21 and non-financial transactions free. Other-bank : five monthly transactions free (three in the six metros), then ₹21 financial and ₹8 non-financial. The pages do not publish a rupee cash-withdrawal ceiling for these account variants.
salary, payroll, Smart, Purple, Royal, Yuva, Lok Bachat, GovPride and CG 2025 are named savings-package variants.
Scheme-specific monthly-average or quarterly-average balance applies
the standard page links the current service-charge schedule rather than publishing one universal amount.
Salary is not required for ordinary, Smart, Purple, Royal, Yuva or Lok Bachat savings accounts. Mahabank Salary and Supreme Payroll require an employer salary arrangement
CG 2025 is for Central Government salary customers.
2.50% p.a.up to ₹1 crore
2.60%above ₹1 crore to ₹100 crore
2.75%above ₹100 crore, effective 1 September 2025.
For standard operative accounts, the service-charge schedule applies a percentage of the shortfall, subject to minimum ₹1: Metro/Urban ₹2,000 (10%/15%/20% bands), Semi-Urban ₹1,000 (10%/15%/20%), Rural ₹500 (10%/15%/20%). No charge applies to Yuva, pension, no-frills/BSBDA, Mahasarvajan and other exempt products.
Classic RuPay/Visa issuance is nil
RuPay Platinum is ₹300 and RuPay Select ₹600, with scheme-specific waivers. Annual maintenance is free in the first year, then ₹200 Classic, ₹300 Platinum and ₹600 Select. Yuva, Royal, Purple, Mahabank Salary and Supreme Payroll are listed as free for cards other than Platinum/Select.
Current annual free-leaf entitlements: standard 20
Royal 100
Purple 200
BSS-1540
BSS-2560
Mahabank Salary 40
Supreme Payroll 20
GovPride 40. Additional leaves cost ₹5 each (₹100 for 20 leaves). The catalogue does not state a separate cheque-book entitlement for Yuva, Lok Bachat or CG 2025.
Bank : first five transactions free
further financial transactions ₹21 and non-financial transactions free. Other-bank : five monthly transactions free (three in the six metros), then ₹21 financial and ₹8 non-financial. The pages do not publish a rupee cash-withdrawal ceiling for these account variants.
salary, payroll, Smart, Purple, Royal, Yuva, Lok Bachat, GovPride and CG 2025 are named savings-package variants.
Scheme-specific monthly-average or quarterly-average balance applies
the standard page links the current service-charge schedule rather than publishing one universal amount.
Salary is not required for ordinary, Smart, Purple, Royal, Yuva or Lok Bachat savings accounts. Mahabank Salary and Supreme Payroll require an employer salary arrangement
CG 2025 is for Central Government salary customers.
2.50% p.a.up to ₹1 crore
2.60%above ₹1 crore to ₹100 crore
2.75%above ₹100 crore, effective 1 September 2025.
For standard operative accounts, the service-charge schedule applies a percentage of the shortfall, subject to minimum ₹1: Metro/Urban ₹2,000 (10%/15%/20% bands), Semi-Urban ₹1,000 (10%/15%/20%), Rural ₹500 (10%/15%/20%). No charge applies to Yuva, pension, no-frills/BSBDA, Mahasarvajan and other exempt products.
Classic RuPay/Visa issuance is nil
RuPay Platinum is ₹300 and RuPay Select ₹600, with scheme-specific waivers. Annual maintenance is free in the first year, then ₹200 Classic, ₹300 Platinum and ₹600 Select. Yuva, Royal, Purple, Mahabank Salary and Supreme Payroll are listed as free for cards other than Platinum/Select.
Current annual free-leaf entitlements: standard 20
Royal 100
Purple 200
BSS-1540
BSS-2560
Mahabank Salary 40
Supreme Payroll 20
GovPride 40. Additional leaves cost ₹5 each (₹100 for 20 leaves). The catalogue does not state a separate cheque-book entitlement for Yuva, Lok Bachat or CG 2025.
Bank : first five transactions free
further financial transactions ₹21 and non-financial transactions free. Other-bank : five monthly transactions free (three in the six metros), then ₹21 financial and ₹8 non-financial. The pages do not publish a rupee cash-withdrawal ceiling for these account variants.
salary, payroll, Smart, Purple, Royal, Yuva, Lok Bachat, GovPride and CG 2025 are named savings-package variants.
Scheme-specific monthly-average or quarterly-average balance applies
the standard page links the current service-charge schedule rather than publishing one universal amount.
Salary is not required for ordinary, Smart, Purple, Royal, Yuva or Lok Bachat savings accounts. Mahabank Salary and Supreme Payroll require an employer salary arrangement
CG 2025 is for Central Government salary customers.
2.50% p.a.up to ₹1 crore
2.60%above ₹1 crore to ₹100 crore
2.75%above ₹100 crore, effective 1 September 2025.
For standard operative accounts, the service-charge schedule applies a percentage of the shortfall, subject to minimum ₹1: Metro/Urban ₹2,000 (10%/15%/20% bands), Semi-Urban ₹1,000 (10%/15%/20%), Rural ₹500 (10%/15%/20%). No charge applies to Yuva, pension, no-frills/BSBDA, Mahasarvajan and other exempt products.
Classic RuPay/Visa issuance is nil
RuPay Platinum is ₹300 and RuPay Select ₹600, with scheme-specific waivers. Annual maintenance is free in the first year, then ₹200 Classic, ₹300 Platinum and ₹600 Select. Yuva, Royal, Purple, Mahabank Salary and Supreme Payroll are listed as free for cards other than Platinum/Select.
Current annual free-leaf entitlements: standard 20
Royal 100
Purple 200
BSS-1540
BSS-2560
Mahabank Salary 40
Supreme Payroll 20
GovPride 40. Additional leaves cost ₹5 each (₹100 for 20 leaves). The catalogue does not state a separate cheque-book entitlement for Yuva, Lok Bachat or CG 2025.
Bank : first five transactions free
further financial transactions ₹21 and non-financial transactions free. Other-bank : five monthly transactions free (three in the six metros), then ₹21 financial and ₹8 non-financial. The pages do not publish a rupee cash-withdrawal ceiling for these account variants.
salary, payroll, Smart, Purple, Royal, Yuva, Lok Bachat, GovPride and CG 2025 are named savings-package variants.
Scheme-specific monthly-average or quarterly-average balance applies
the standard page links the current service-charge schedule rather than publishing one universal amount.
Salary is not required for ordinary, Smart, Purple, Royal, Yuva or Lok Bachat savings accounts. Mahabank Salary and Supreme Payroll require an employer salary arrangement
CG 2025 is for Central Government salary customers.
2.50% p.a.up to ₹1 crore
2.60%above ₹1 crore to ₹100 crore
2.75%above ₹100 crore, effective 1 September 2025.
For standard operative accounts, the service-charge schedule applies a percentage of the shortfall, subject to minimum ₹1: Metro/Urban ₹2,000 (10%/15%/20% bands), Semi-Urban ₹1,000 (10%/15%/20%), Rural ₹500 (10%/15%/20%). No charge applies to Yuva, pension, no-frills/BSBDA, Mahasarvajan and other exempt products.
Classic RuPay/Visa issuance is nil
RuPay Platinum is ₹300 and RuPay Select ₹600, with scheme-specific waivers. Annual maintenance is free in the first year, then ₹200 Classic, ₹300 Platinum and ₹600 Select. Yuva, Royal, Purple, Mahabank Salary and Supreme Payroll are listed as free for cards other than Platinum/Select.
Current annual free-leaf entitlements: standard 20
Royal 100
Purple 200
BSS-1540
BSS-2560
Mahabank Salary 40
Supreme Payroll 20
GovPride 40. Additional leaves cost ₹5 each (₹100 for 20 leaves). The catalogue does not state a separate cheque-book entitlement for Yuva, Lok Bachat or CG 2025.
Bank : first five transactions free
further financial transactions ₹21 and non-financial transactions free. Other-bank : five monthly transactions free (three in the six metros), then ₹21 financial and ₹8 non-financial. The pages do not publish a rupee cash-withdrawal ceiling for these account variants.
Salary savings account with zero balance and zero maintenance charges for eligible employer groups.
Zero balance requirement with zero maintenance charges.
Cent Samarth is offered through eligible employer groups (government/educational/ or private corporate/, normally minimum 10 employees). Cent Samvridhi and Cent-Yuva have no salary-credit threshold published.
Value awaiting review
Cent Samarth: zero maintenance charge. Cent Samvridhi and Cent-Yuva: non-maintenance charge is not published on the reviewed product pages.
Cent Samarth includes RuPay Platinum card with issuance and renewal free
Cent Samvridhi includes a free -cum-debit card. Cent-Yuva debit-card variant is not specified on the reviewed page.
Cent Samarth: cheque book available at applicable charges. Cent Samvridhi and Cent-Yuva cheque-book terms are not published on the reviewed pages.
Cent Samarth: free CBI transactions up to ₹40,000 per day and five free transactions at other-bank . Cent Samvridhi and Cent-Yuva limits are not published on the reviewed pages.
Resident savings account with daily sweep-in/out to a linked fixed deposit.
Quarterly average balance ₹25,000
core/threshold deposit ₹50,000.
Cent Samarth is offered through eligible employer groups (government/educational/ or private corporate/, normally minimum 10 employees). Cent Samvridhi and Cent-Yuva have no salary-credit threshold published.
Savings interest and linked rate follow the latest applicable Central Bank deposit rates
senior citizens receive an additional 0.50% on the component.
Cent Samarth: zero maintenance charge. Cent Samvridhi and Cent-Yuva: non-maintenance charge is not published on the reviewed product pages.
Cent Samarth includes RuPay Platinum card with issuance and renewal free
Cent Samvridhi includes a free -cum-debit card. Cent-Yuva debit-card variant is not specified on the reviewed page.
Cent Samarth: cheque book available at applicable charges. Cent Samvridhi and Cent-Yuva cheque-book terms are not published on the reviewed pages.
Cent Samarth: free CBI transactions up to ₹40,000 per day and five free transactions at other-bank . Cent Samvridhi and Cent-Yuva limits are not published on the reviewed pages.
Cent Samarth is offered through eligible employer groups (government/educational/ or private corporate/, normally minimum 10 employees). Cent Samvridhi and Cent-Yuva have no salary-credit threshold published.
Value awaiting review
Cent Samarth: zero maintenance charge. Cent Samvridhi and Cent-Yuva: non-maintenance charge is not published on the reviewed product pages.
Cent Samarth includes RuPay Platinum card with issuance and renewal free
Cent Samvridhi includes a free -cum-debit card. Cent-Yuva debit-card variant is not specified on the reviewed page.
Cent Samarth: cheque book available at applicable charges. Cent Samvridhi and Cent-Yuva cheque-book terms are not published on the reviewed pages.
Cent Samarth: free CBI transactions up to ₹40,000 per day and five free transactions at other-bank . Cent Samvridhi and Cent-Yuva limits are not published on the reviewed pages.
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.
Value awaiting review
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.
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.
Value awaiting review
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.
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.
Value awaiting review
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.
Value awaiting review
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.
Value awaiting review
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.
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.
Value awaiting review
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.
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.
Value awaiting review
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.
Value awaiting review
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.
Value awaiting review
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.
4.00% p.a. on the savings fund account, as published by PNB with effect from 01 June 2026
the same prevailing savings schedule applies to these account variants unless PNB publishes a variant-specific rate.
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.
Ten combined financial or non-financial transactions per month at other-bank /ADWMs in India are free
thereafter a cash withdrawal costs ₹23 + and a non-financial transaction costs ₹11 + . /ADWM charges are unchanged
cardless cash withdrawal remains unlimited free until further notice.
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
Value awaiting review
Cheque-book facility
No free other-bank /ADWM transactions are published for current accounts
each cash withdrawal costs ₹23 + and each non-financial transaction costs ₹11 + . says the reimbursement current account linked to a Salary Package remains free.
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
Free Pride Business Debit Card issuance
50 free multicity cheque leaves per month
additional leaves charged at the published card rate
No free other-bank /ADWM transactions are published for current accounts
each cash withdrawal costs ₹23 + and each non-financial transaction costs ₹11 + . says the reimbursement current account linked to a Salary Package remains free.
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
No free other-bank /ADWM transactions are published for current accounts
each cash withdrawal costs ₹23 + and each non-financial transaction costs ₹11 + . says the reimbursement current account linked to a Salary Package remains free.
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
Value awaiting review
700 free multicity cheque leaves per month
cash deposits free up to ₹1 crore per month
No free other-bank /ADWM transactions are published for current accounts
each cash withdrawal costs ₹23 + and each non-financial transaction costs ₹11 + . says the reimbursement current account linked to a Salary Package remains free.
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.
Up to ₹1,00,000 per challan: ₹60 +
above ₹1,00,000: ₹0.75 per ₹1,000, minimum ₹60 and maximum ₹20,000 +
Value awaiting review
Cheque-book facility is not available.
No free other-bank /ADWM transactions are published for current accounts
each cash withdrawal costs ₹23 + and each non-financial transaction costs ₹11 + . says the reimbursement current account linked to a Salary Package remains free.
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 + .
Value awaiting review
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.
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
Value awaiting review
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.
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
No free other-bank /ADWM transactions are published for current accounts
each cash withdrawal costs ₹23 + and each non-financial transaction costs ₹11 + . says the reimbursement current account linked to a Salary Package remains free.
variant-specific business, institutional, trade, or professional structure
Variant-specific: CDFFD ₹5 lakh
CDFFP ₹25 lakh
UNNATI ₹50,000
UTCA ₹1 lakh/₹5 lakh/₹10 lakh
New Current tiers ₹50,000–₹25 lakh+
collection/project accounts no minimum balance
Not applicable
these are current accounts. UTCA may provide linked salary accounts for employees, but no salary threshold is published.
Current accounts do not pay interest
CDFFD/CDFFP sweep balances earn the applicable term-deposit rate
Tier-specific published charges for New Current variants: ₹250/₹500/₹1,000/₹1,500/₹2,000 plus for Pearl/Emerald/Ruby/Sapphire/Diamond
other products follow the applicable Union Bank schedule
Variant-specific: CDFFD/CDFFP Signature or RuPay Select
CDGEN Classic
UNNATI RuPay Platinum
New Current tiers range from RuPay Select/Visa Signature to RuPay HNI Emperio metal
has no card
CDFFD/CDFFP cheque book available
UNNATI 100 leaves/year
Union Udaan unlimited
New Current tiers 50/100/200/300/unlimited leaves per quarter
CDGEN supports cheque writing
New Current tiers: cash ₹75,000/day (Pearl), ₹1 lakh/day (Emerald/Ruby), ₹2 lakh/day (Sapphire/Diamond)
₹1.5 lakh/₹3 lakh/₹3 lakh/₹5 lakh/₹5 lakh per day
home-branch self cash withdrawal unlimited and non-home ₹1 lakh/day. has no and no cash deposit.
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
