IndiaBanks.org · independent research

Savings, current & salary accounts

bob Central Government Employees Salary Package ()

A zero-balance Central Government employee salary account for permanent, confirmed and regular employees aged 18–60, with salary-linked overdraft, free banking, card benefits and current National Insurance cover subject to the published conditions.

Interest rateThe CGESP 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.Minimum balanceZero balance requirement.Salary requirementServing 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.
Official product page ↗Compare category

Quick eligibility check

bob Central Government Employees Salary Package ()

0 of 9 answered

Answer what you know. This guide compares your answers with the criteria published for this product; it is not an approval decision. Your answers stay on this device.

1Do you meet this requirement: Serving permanent, confirmed and regular Central Government employees and subordinate/attached offices?

Published source: Eligibility

2Are you aged 18 to 60?

Published source: Eligibility

3Does your age meet this requirement: Existing holders may continue up to age 70 when pension is credited to the same account?

Published source: Eligibility

4Do you meet this requirement: Serving permanent, confirmed and regular employees of the Central Government and subordinate/attached offices?

5Does your age meet this requirement: existing government salary-account holders may continue to age 70 if pension is credited to the same account?

6Document checkDo you have this required document or proof: Current savings-account KYC documents under Bank of Baroda guidelines?

Published source: Eligibility

7Document checkDo you have at least one of these required documents: Latest salary slip, appointment letter or other salary/employment proof?

Published source: Eligibility

8Document checkDo you have this required document or proof: Employee identity/service proof where requested?

Published source: Eligibility

9Document checkDo you have this required document or proof: Declaration accepting the Baroda Government Employees Salary Account Scheme terms?

Published source: Eligibility
0 of 9 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 29 Sept 2026 · active
Offered byBank of Baroda

India; eligibility, branch and channel availability follow the official product terms

Key facts

What the official sources publish

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

Account typeCentral Government Employees Salary Package savings account with zero-balance requirement and salary-linked benefits.View source
The official page describes a zero-balance salary package with digital banking, free services, insurance and salary overdraft benefits.
Source
bob Central Government Employees Salary Package ()
Page / section
Overview / Features
Accessed
21 Aug 2026
Confidence
high
Open official source ↗
Minimum balanceZero balance requirement.View source
The product overview states zero balance requirements.
Source
bob Central Government Employees Salary Package ()
Page / section
Overview
Accessed
21 Aug 2026
Confidence
high
Open official source ↗
Debit cardFree RuPay Platinum Debit Card can be issued to a joint account holder under the CGESS scheme; the package also includes debit-card benefits.View source
The official terms state that a free RuPay Platinum Debit Card may be issued to the joint account holder under the CGESS scheme.
Source
bob Central Government Employees Salary Package ()
Page / section
Terms & Conditions — Joint Accounts
Accessed
21 Aug 2026
Confidence
high
Open official source ↗
EligibilityServing permanent, confirmed and regular Central Government employees and subordinate/attached offices; age 18–60. Existing holders may continue up to age 70 when pension is credited to the same account.View source
The eligibility section lists Central Government employment and the 18–60 age band, with the pension continuation rule.
Source
bob Central Government Employees Salary Package ()
Page / section
Eligibility Criteria
Accessed
21 Aug 2026
Confidence
high
Open official source ↗
Cheque bookUnlimited free cheque book under the government salary package.View source
The current government salary-account page lists Unlimited Free Cheque Book as a package benefit.
Source
bob Government Employee Salary Account (Salary Solutions for Central/State Govt. employees)
Page / section
Benefits — Unlimited Free Cheque Book
Accessed
6 Sept 2026
Confidence
high
Open official source ↗
Salary requirementServing 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.View source
The page specifies permanent/confirmed/regular Central Government employment, age 18–60 and one mandatory salary credit, but no minimum salary amount.
Source
bob Central Government Employees Salary Package ()
Page / section
Eligibility Criteria; Terms & Conditions — Eligibility & Account Opening
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
ATM limitsThe applicable BOB debit-card rule is a maximum withdrawal of ₹15,000 per transaction at a BOB ATM and five free BOB-ATM transactions per month. The daily withdrawal ceiling depends on the specific debit-card variant issued under the account or salary package.View source
The states ₹15,000 maximum per transaction at a , five free transactions per month and a daily limit based on card type.
Source
Bank of Baroda
Page / section
— maximum withdrawal per transaction; free transactions
Accessed
7 Sept 2026
Confidence
high
Open official source ↗
Interest rateThe CGESP 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.Effective 22 Aug 2025View source
The page describes a salary savings account; current table supplies the applicable slab rate and no -specific rate is stated.
Source
Bank of Baroda Savings Bank Deposits — current interest-rate schedule
Page / section
Deposits — slab-wise revised rate of interest
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
Non-maintenance chargeNo minimum-balance charge is published for CGESP because the package is described as zero-balance. The current BOB service-charge notice also states zero charges for non-maintenance on savings-bank schemes; salary-package terms and any account conversion rules still apply.Effective 1 Jul 2025View source
advertises zero-balance requirements; the current service schedule states zero non-maintenance charges on savings-bank schemes.
Source
and Service Charges
Page / section
Features — zero balance; Service Charges — savings-bank notice
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
Current personal-accident coverCurrent CGESP page advertises free personal-accident cover up to ₹1.5 crore for eligible customers, with additional air-accident coverage, subject to policy terms and regular salary-credit conditions.Effective 12 Aug 2026View source
The current page states free personal accident cover up to Rs 150 Lakhs and lists National Insurance policy 340100422610000041 effective 12 August 2026 to 11 August 2027.
Source
bob Central Government Employees Salary Package () — current official page
Page / section
Benefits; Features; Insurance Details
Accessed
29 Sept 2026
Confidence
high
Open official source ↗
Current term-life coverCurrent CGESP page advertises free term-life cover up to ₹15 lakh, subject to the current National Insurance policy and salary-package conditions.Effective 12 Aug 2026View source
The current page states free term life insurance up to 15 lakhs and identifies the current National Insurance policy period.
Source
bob Central Government Employees Salary Package () — current official page
Page / section
Benefits; Terms & Conditions; Insurance Details
Accessed
29 Sept 2026
Confidence
high
Open official source ↗
Optional term-life quotesAnnexure B shows two member-paid options. IndiaFirst's indicative rate is ₹2.12–₹20.65 per ₹1,000 of sum assured by age band 18–60, with cover capped at ₹10 lakh and voluntary participation; the table does not state the rate's payment frequency. Max Life's illustrative annual premium for ₹1 crore is ₹7,712–₹68,523 for women and ₹9,072–₹80,616 for men across ages 18–60, subject to the stated non-tobacco, graduate-and-above, healthy-lifestyle assumptions and independent underwriting; this is an indicative quote, not guaranteed acceptance or a universal CGESP price.View source
The booklet says the IndiaFirst quote is tentative and at the account holder's cost; Max Life's table is indicative for ₹1 crore and may vary with income, health and insurer underwriting. The maximum annual premiums shown are ₹68,523 for women and ₹80,616 for men.
Source
Bank of Baroda Salary Account Package for Central Government Employees — Annexure B
Page / section
Physical pages 7–8 — IndiaFirst and Max Life optional term-life quotes
Accessed
13 Sept 2026
Confidence
high
Open official source ↗
Optional partner health-insurance quotesAnnexure B(1) contains employee-paid partner quotes. Its Niva Bupa Sehat Suraksha Plus individual quote is ₹2,000 for one adult aged 18–60 with ₹2 lakh cover; it lists 20% co-payment, 48-month pre-existing-disease wait and a 30-day initial wait. The booklet also gives Health Multiplier family premiums of ₹6,124–₹43,664 for ₹5 lakh cover and ₹7,618–₹54,179 for ₹10 lakh cover by age/family composition, excluding GST. The source labels the quote 'for DFS Employee via Bank of Baroda'; confirm current availability and terms with the insurer before treating it as a live offer to every CGESP customer.View source
The page names the quote 'Niva Bupa Health Insurance Base Premium Quote for DFS Employee via Bank of Baroda'; the single-adult quote states ₹2 lakh sum insured and ₹2,000 premium. Health Multiplier premium matrices state excluded.
Source
Bank of Baroda Salary Account Package for Central Government Employees — Annexure B(1)
Page / section
Physical pages 9–10 — Niva Bupa Sehat Suraksha Plus and Health Multiplier quotes
Accessed
13 Sept 2026
Confidence
high
Open official source ↗
Star Health Assure — optional quoteThe CGESP booklet includes a customer-paid Star Health Assure quote with ₹5 lakh and ₹10 lakh sum-insured options, individual and floater covers, and premium charts by age/family size. It lists entry age 91 days–75 years for individual cover and 18–75 years for floater cover, lifelong renewal, 1/2/3-year terms, a 10% co-payment for members entering at age 61 or above, and the policy limits shown in the source tables. The premium chart itself does not state a tax treatment; insurer terms apply. The booklet does not establish that this dated quote is currently available to every CGESP customer.View source
The Annexure labels this as a cost-borne-by-customer optional quote. The entry ages, terms, lifelong renewability, 10% co-payment and rate tables are transcribed from the Star Health Assure section; insurer terms and conditions apply.
Source
Bank of Baroda Salary Account Package for Central Government Employees — Annexure B(1)
Page / section
Physical pages 12–16 — Star Health Assure quote and premium charts
Accessed
13 Sept 2026
Confidence
high
Open official source ↗
Arogya Sanjeevani — optional quoteThe booklet's customer-paid Star Health Arogya Sanjeevani quote lists ₹2 lakh–₹10 lakh sum-insured options, individual/floater cover, entry age 3 months–65 years, lifelong renewal and a 1-year policy term. It publishes room rent up to 2% of sum insured capped at ₹5,000/day, ICU up to 5% capped at ₹10,000/day, modern treatment up to 50%, cataract up to 25% or ₹40,000 per eye (whichever is lower), 5% co-payment per claim, a 30-day initial illness wait, 36 months for pre-existing diseases and 24/36 months for specified conditions. See the complete premium matrices on this page. The quote is not evidence of current availability to every CGESP customer.View source
The Annexure labels the cover optional and cost-borne-by-customer. Figures and waiting periods are transcribed from the Arogya Sanjeevani section; terms and conditions of the insurer apply.
Source
Bank of Baroda Salary Account Package for Central Government Employees — Annexure B(1)
Page / section
Physical pages 16–18 — Arogya Sanjeevani conditions and premium charts
Accessed
13 Sept 2026
Confidence
high
Open official source ↗
Optional group medical top-up quotesAnnexure C says the top-up is voluntary and its cost is borne by the customer. The Niva Bupa table quotes a ₹15 lakh base sum insured with ₹2 lakh deductible at ₹749 (1A), ₹1,235 (2A), ₹1,589 (2A+1C) or ₹1,939 (2A+2C), inclusive of GST. A following top-up description lists ₹30 lakh sum insured, ₹3 lakh deductible, ₹30 lakh built-in accident cover for the primary insured, adult entry age 18–65 and child age 91 days–21 years; the booklet also shows a ₹1,999 GST-inclusive, age-agnostic 'Super Protect Plus Top Plan' premium, but does not clearly reconcile that label to the preceding plan name. Star Health publishes a separate per-person premium matrix for ₹5 lakh–₹25 lakh cover and ₹2 lakh/₹3 lakh deductibles, explicitly excluding GST. Confirm current plan identity, eligibility and pricing with the insurer before purchase.View source
The source marks the top-up as customer-funded and voluntary. Niva Bupa's plan-description/premium naming is inconsistent in the source; the ₹1,999 amount is not mapped to a specific sum-insured/family schedule beyond the printed 'Super Protect Plus Top Plan' line. Star Health premiums are stated to exclude .
Source
Bank of Baroda Salary Account Package for Central Government Employees — Annexure C
Page / section
Physical pages 19–20 — voluntary group medical top-up quotes
Accessed
13 Sept 2026
Confidence
high
Open official source ↗
Salary-package instant overdraftAnnexure D says the overdraft becomes available after two salary credits for Group C and after the first salary credit for Groups B and A. Group C: up to the average of the last two salary credits, capped at ₹10,000; Group B: last salary credit, capped at ₹20,000; Group A: last salary credit, capped at ₹30,000. The full overdraft must be adjusted within 60 days of drawdown. The table does not state a rate or fee.View source
The page lists group-wise eligibility after salary credit, calculation basis, caps, and full adjustment within 60 days; it gives no overdraft interest rate or charge.
Source
Bank of Baroda Salary Account Package for Central Government Employees — Annexure D
Page / section
Physical page 21 — instant overdraft table
Accessed
13 Sept 2026
Confidence
high
Open official source ↗
Salary-package debit-card benefitsAnnexure E maps Group A/B to a Select debit card and Group C to Platinum. Groups A and B receive one diagnostic health check each quarter, one domestic lounge visit per quarter and two international visits per year, one OTT membership per year, one spa session per quarter, one 30-day offline fitness membership per quarter, concierge service and ₹10 lakh personal-accident cover. Group A lists two golf rounds per year and Group B one. Group C lists one domestic lounge visit per year, concierge service and ₹2 lakh personal-accident cover; the other benefit cells are blank in the table. The booklet says benefits may change.View source
The source groups the debit-card offers by employee grade and states that features may change. Blank Group C offer cells are preserved as blank rather than interpreted as published ineligibility.
Source
Bank of Baroda Salary Account Package for Central Government Employees — Annexure E
Page / section
Physical pages 22 and 24 — debit-card benefits and conditions
Accessed
13 Sept 2026
Confidence
high
Open official source ↗
Salary-package BOBCARD benefitsAnnexure F maps Group A to RuPay Eterna, B to RuPay Premier and C to RuPay Easy; each listed joining/annual fee is waived and credit limits are subject to BOBCARD internal guidelines. Base earn rates are 3/2/1 reward points per ₹100 for Eterna/Premier/Easy, valued at ₹0.25/₹0.25/₹0.20 per point; select merchant-category codes do not earn points. Eterna adds a Zomato District buy-one-get-one movie offer capped at ₹250/month, 15 points/₹100 on listed accelerated categories (max 5,000/month), milestone bonuses of 10,000 points for ₹50,000 spend in the first 60 days and 20,000 for ₹5 lakh/year, and unlimited domestic lounge visits after ₹40,000 preceding-quarter spend. Premier has 10 points/₹100 on travel, dining and abroad (max 2,000/month), 500 points after ₹5,000 initial-60-day spend, and one domestic lounge visit per quarter after ₹20,000 preceding-quarter spend. Easy has 5 points/₹100 on department stores and movies (max 1,000/month) and 500 points after ₹500 initial-60-day spend. Eterna/Premier list air-accident cover of ₹1 crore subject to same-card ticket purchase and rail/road personal-accident cover of ₹10 lakh; Easy is marked not applicable for those covers. All three list a fuel-surcharge waiver for ₹400–₹5,000 transactions, capped at ₹250/month. These are CGESP package terms and remain subject to BOBCARD guidelines.View source
The complete package card comparison states fee waivers, reward earn/value, exclusions, accelerated earning and caps, welcome/milestone offers, lounge spends, insurance and fuel waiver. Issuance/limits are subject to internal policy guidelines.
Source
Bank of Baroda Salary Account Package for Central Government Employees — Annexure F
Page / section
Physical pages 23–24 — RuPay Eterna, Premier and Easy feature tables
Accessed
13 Sept 2026
Confidence
high
Open official source ↗
Salary-package and insurance conditionsThe CGESS terms say the package is for permanent, regular and confirmed Central Government employees posted in Central Government departments. The account must be opened under a prescribed salary scheme code, meet KYC/document requirements, and receive salary regularly; insurance is subject to insurer rules and current guidelines, and the booklet requires at least one salary credit in the proposed salary accounts. If salary is not credited for three consecutive months, package benefits may be withdrawn and the bank may move the account to another scheme/non-salary category. For joint accounts, PAI/GTL is available only when the salaried person is first holder; the joint holder may receive a RuPay Platinum debit card. Insurance claims are between claimant and insurer (the bank is not a party); supporting documents must be submitted within 180 days of accident. Optional group term and top-up health cover are employee-funded. Auto-sweep fixed deposit is on request, not automatic. The bank may change or withdraw offers.View source
Transcribed from Annexure E notes and the numbered CGESS terms on Annexure F pages 24–25. The insurer decides claims under its own terms; bank offer terms may change.
Source
Bank of Baroda Salary Account Package for Central Government Employees — CGESS Terms and Conditions
Page / section
Physical pages 24–25 — joint-account, salary-credit, claims and package conditions
Accessed
13 Sept 2026
Confidence
high
Open official source ↗
Salary-account application documentsThe current BOB page asks for Savings Account documents under its current guidelines, salary evidence such as the latest salary slip or appointment letter, and a declaration accepting the salary-package terms. The booklet's existing-account conversion and new-account forms specifically list PAN, Aadhaar, latest salary slip and employee identity/service proof or an appointment/employment letter. The exact KYC checklist remains governed by current account-opening rules.View source
The page publishes /savings-account documents, salary proof and a terms declaration. The page-26 conversion form and page-27 new-account form each show , Aadhaar, salary slip and employee/service or employment evidence; the full checklist is transcribed into the attached table.
Source
bob Central Government Employees Salary Package () — current official page and linked booklet
Page / section
Current page: Documents Required; linked booklet physical pages 26–27
Accessed
13 Sept 2026
Confidence
high
Open official source ↗
Salary-account transfer and no-dues conditionThe booklet's No-Dues Certificate is used when transferring the salary account to another bank. The account holder declares either that they have no Bank of Baroda loan or that all Bank of Baroda loans have been fully liquidated with no outstanding dues. The certificate states that salary-package benefits cease when the account is transferred.View source
Page 28 is a No-Dues Certificate for transferring salary account to another bank. Its declaration covers no loan or full liquidation/no outstanding amount and says package benefits will stop on transfer.
Source
Bank of Baroda Salary Account Package for Central Government Employees — No-Dues Certificate
Page / section
Physical page 28
Accessed
13 Sept 2026
Confidence
high
Open official source ↗
Current personal-accident policyNational Insurance Company Ltd policy 340100422610000041; effective from 00:00 on 12 August 2026 to midnight on 11 August 2027. Claims remain subject to policy terms and must be submitted through the published process.Effective 12 Aug 2026View source
The page publishes the insurer, policy number and effective period; detailed exclusions and claims conditions remain governed by the policy wording.
Source
bob Central Government Employees Salary Package () — current official page
Page / section
Insurance Details
Accessed
29 Sept 2026
Confidence
high
Open official source ↗
Current insurance policy detailsThe current CGESP page identifies National Insurance Company Ltd policy 340100422610000041 as the active policy for the package through 11 August 2027. The page does not publish a separate current LIC group-term policy number; the prior LIC booklet remains historical unless a current renewal document is supplied.Effective 12 Aug 2026View source
The current page identifies the active National Insurance policy but does not publish a separate current group-term policy document.
Source
bob Central Government Employees Salary Package () — current official page
Page / section
Insurance Details; Benefits
Accessed
29 Sept 2026
Confidence
high
Open official source ↗

Benefits and features

  • Zero-balance salary account
  • Free personal-accident cover up to ₹1.5 crore and additional air-accident coverage, subject to policy terms
  • Free term-life cover up to ₹15 lakh, subject to policy terms
  • In-built overdraft facility up to ₹3 lakh after salary credit
  • Up to 100% waiver on processing charges for home, auto, education and personal loans
  • Unlimited free , , and transactions
  • Unlimited free / banker’s cheque
  • Lifetime-free credit card and group-mapped debit-card benefits, subject to terms
  • Optional employee-paid group term-life and health insurance from partners

Eligibility

  • Serving permanent, confirmed and regular employees of the Central Government and subordinate/attached offices.
  • Age 18–60; existing government salary-account holders may continue to age 70 if pension is credited to the same account.
  • At least one salary credit is required before package insurance and other benefits apply; three consecutive months without salary may lapse benefits.
  • Joint accounts are allowed, but / benefits apply only when the salaried employee is the first holder.

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

Documents the bank lists

  • Current savings-account documents under Bank of Baroda guidelines.
  • Latest salary slip, appointment letter or other salary/employment proof.
  • Employee identity/service proof where requested.
  • Declaration accepting the Baroda Government Employees Salary Account Scheme terms.

Related official documents

Bank of Baroda account pages and account service-charge scheduleofficial-product-pages-and-schedule · current · accessed 29 Aug 2026
↗
Bank of Baroda ATMs — debit-card withdrawal and free-transaction rulesofficial-service-page · current · accessed 7 Sept 2026
↗
bob Central Government Employees Salary Package (CGESP) — current official pageofficial-product-page · current; marketing cover advertised, attached insurer-policy renewals not verified · accessed 13 Sept 2026
↗
bob Central Government Employees Salary Package (CGESP) — current official pageofficial-product-page · current · accessed 29 Sept 2026
↗
bob Central Government Employees Salary Package (CGESP)official-product-page · current · accessed 29 Aug 2026
↗
Bank of Baroda government salary accounts — current official product pagesofficial-product-page · current · accessed 6 Sept 2026
↗
Bank of Baroda salary-package and National Insurance schedules (BOB-21-32.pdfs)official-shared-insurance-and-salary-package-pdf · reviewed; attached CGESP PAI/GTL schedules expired, renewal unverified · accessed 13 Sept 2026
↗
Bank of Baroda Savings Bank Deposits — current interest-rate scheduleofficial-rate-table · current · accessed 29 Aug 2026
↗
Bank of Baroda Service Charges — salary and savings-account scheduleofficial-service-charge-schedule · current · accessed 29 Aug 2026
↗

Plan before applying

Try the numbers

Private, instant and based on the values you enter.

Try your numbers

Account interest estimate

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

Interest you may earn₹2,500two thousand five hundred rupees
Balance including interest₹1,02,500one lakh two thousand five hundred rupees

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

Use the published table

Find the exact published value

Choose a table, then pick its row and column. This shows the exact entry published by the bank or insurer without making you scan every cell.

Up to ₹1,00,000 · Rate (% p.a.)2.50%

This value is copied from Bank of Baroda Savings Bank Deposit rate slabs used by salary packages. Check the table notes before relying on it.

Source: Bank of Baroda Savings Bank Deposits — current interest-rate schedule · Deposits — slab-wise revised rate of interest Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 10 rows · 2 columnsBank of Baroda Savings Bank Deposit rate slabs used by salary packagesThe complete published balance slab table used where salary-account pages direct customers to the savings-bank rate schedule.View tableHide table

Scroll sideways to view every column

Bank of Baroda Savings Bank Deposit rate slabs used by salary packages
Outstanding balanceRate (% p.a.)
Up to ₹1,00,0002.50%
Above ₹1,00,000 to below ₹50,00,0002.50%
₹50,00,000 to below ₹10,00,00,0002.50%
₹10,00,00,000 to below ₹50,00,00,0002.50%
₹50,00,00,000 to below ₹1,00,00,00,0002.75%
₹1,00,00,00,000 to below ₹2,00,00,00,0002.75%
₹2,00,00,00,000 to below ₹5,00,00,00,0002.75%
₹5,00,00,00,000 to below ₹10,00,00,00,0003.50%
₹10,00,00,00,000 to below ₹20,00,00,00,0004.50%
₹20,00,00,00,000 and above4.75%
  • Rate schedule is effective 22 August 2025 and should be rechecked before applying; salary-package pages do not publish a separate rate.
Bank of Baroda Savings Bank Deposits — current interest-rate schedule · Deposits — slab-wise revised rate of interest · effective 22 Aug 2025 · accessed 29 Aug 2026Open official source ↗
Table 2 · 37 rows · 4 columnsCentral Government Employees Salary Package — Groups C, B and ATranscription of the linked booklet's full three-group insurance, account, loan concession, debit-card and credit-card feature matrix. Blank cells mean the booklet leaves that entry empty; they are not inferred benefits.View tableHide table

Scroll sideways to view every column

Central Government Employees Salary Package — Groups C, B and A
FeatureGroup CGroup BGroup A
Free personal-accident death cover₹100 lakh₹120 lakh₹150 lakh
Additional free air-accident cover₹100 lakh₹120 lakh₹150 lakh
Permanent total disabilityEqual to base , up to ₹100 lakhEqual to base , up to ₹120 lakhEqual to base , up to ₹150 lakh
Permanent partial disabilityUp to 75% of base , per cited guidelinesUp to 75% of base , per cited guidelinesUp to 75% of base , per cited guidelines
In-built add-on coversAnnexure A — see separate tableAnnexure A — see separate tableAnnexure A — see separate table
Free group term-life cover₹10 lakh₹12.5 lakh₹15 lakh
Optional member-paid term lifeAnnexure B — see separate rate tablesAnnexure B — see separate rate tablesAnnexure B — see separate rate tables
Wellness consultationOnline tele/video consultation from Practo for account holder plus up to 6 additional family membersOnline tele/video consultation from Practo for account holder plus up to 6 additional family membersOnline tele/video consultation from Practo for account holder plus up to 6 additional family members
Health/medical insuranceAnnexure B(1) — see quote tables; employee-paid partner quotesAnnexure B(1) — see quote tables; employee-paid partner quotesAnnexure B(1) — see quote tables; employee-paid partner quotes
Top-up health/medical insuranceAvailable as per Annexure CAvailable as per Annexure CAvailable as per Annexure C
Minimum account balanceZeroZeroZero
Instant overdraftAvailable as per Annexure DAvailable as per Annexure DAvailable as per Annexure D
Sweep-in/out threshold₹2,00,000; in multiples of ₹10,000₹2,00,000; in multiples of ₹10,000₹2,00,000; in multiples of ₹10,000
/ / / chargesUnlimited freeUnlimited freeUnlimited free
Demand draftUnlimited freeUnlimited freeUnlimited free
Cheque facilityUnlimited freeUnlimited freeUnlimited free
Locker-charge concession40%50%60%
Retail-loan processing/documentation charge concession50%; minimum per-mortgaged-property legal/valuation and other out-of-pocket charges may still be recovered100%; minimum per-mortgaged-property legal/valuation and other out-of-pocket charges may still be recovered100%; minimum per-mortgaged-property legal/valuation and other out-of-pocket charges may still be recovered
Home-loan rate concession0.10 percentage point; must not reduce below lowest home-loan rate for CIBIL 825+ bucket0.10 percentage point; must not reduce below lowest home-loan rate for CIBIL 825+ bucket0.10 percentage point; must not reduce below lowest home-loan rate for CIBIL 825+ bucket
Auto-loan rate concession0.30 percentage point; minimum CIBIL 701 and must not reduce below lowest auto-loan rate for CIBIL 771+ bucket (as stated in booklet)0.30 percentage point; minimum CIBIL 701 and must not reduce below lowest auto-loan rate for CIBIL 771+ bucket (as stated in booklet)0.30 percentage point; minimum CIBIL 701 and must not reduce below lowest auto-loan rate for CIBIL 771+ bucket (as stated in booklet)
Education-loan rate concession0.10 percentage point, excluding special schemes0.10 percentage point, excluding special schemes0.10 percentage point, excluding special schemes
Personal-loan rate concession0.50 percentage point; minimum CIBIL 701 and salary account must be maintained with 0.50 percentage point; minimum CIBIL 701 and salary account must be maintained with 0.50 percentage point; minimum CIBIL 701 and salary account must be maintained with
Rate-concession conditionsAll concessions subject to terms, conditions and internal approvalAll concessions subject to terms, conditions and internal approvalAll concessions subject to terms, conditions and internal approval
Demat First-year freeFirst-year freeFirst-year free
Family bankingSpouse zero-balance account with RuPay Platinum Debit Card; Parivaar can link up to 4 family-member zero-balance accountsSpouse zero-balance account with RuPay Platinum Debit Card; Parivaar can link up to 4 family-member zero-balance accountsSpouse zero-balance account with RuPay Platinum Debit Card; Parivaar can link up to 4 family-member zero-balance accounts
Debit-card variantPlatinumSelectSelect
Debit-card issuance and annual maintenanceWaivedWaivedWaived
Free transactions per month3 Metro and 5 non-Metro3 Metro and 5 non-Metro3 Metro and 5 non-Metro
Domestic debit-card lounge visits1 per year1 per quarter1 per quarter
International debit-card lounge visitsNone listed2 per year2 per year
Other debit-card benefitsSee Annexure ESee Annexure ESee Annexure E
Credit-card variantRuPay EasyRuPay PremierRuPay Eterna
Credit-card issue/annual fee₹500 (waived)₹1,000 (waived)₹2,499 (waived)
Domestic credit-card lounge visitsNone listed1 per calendar quarter after ₹20,000 spend in preceding quarterUnlimited domestic visits after ₹40,000 spend in preceding quarter
International credit-card lounge visits
Other credit-card benefitsSee Annexure FSee Annexure FSee Annexure F
Loan documentation/processing waiver (repeated on page 5)100% personal, home and auto-loan documentation/processing charges100% personal, home and auto-loan documentation/processing charges100% personal, home and auto-loan documentation/processing charges
  • The uses Groups C/B/A but this table does not state the gross-salary bands that determine those groups. The rate concessions are reductions from the applicable product rate, not stand-alone interest rates. Minimum legal/valuation out-of-pocket charges and internal approvals may apply. Credit-card international-lounge cells are blank in the source table.
Bank of Baroda Salary Account Package for Central Government Employees · Physical pages 1–5 — full package matrix · accessed 13 Sept 2026Open official source ↗
Table 3 · 3 rows · 4 columnsCGESP — in-built personal-accident cover add-onsAdditional cover amounts shown for Group C/B/A in Annexure A; these amounts are in addition to the base PAI limit as the relevant row states.View tableHide table

Scroll sideways to view every column

CGESP — in-built personal-accident cover add-ons
Salary groupGirl-child marriage (age 18–25)Higher-education coverOn-duty cover
Group C10% of base ; maximum ₹10 lakh10% of base ; maximum ₹10 lakh25% additional; maximum sum insured ₹25 lakh
Group B10% of base ; maximum ₹12 lakh10% of base ; maximum ₹12 lakh25% additional; maximum sum insured ₹30 lakh
Group A10% of base ; maximum ₹15 lakh10% of base ; maximum ₹15 lakh25% additional; maximum sum insured ₹37.5 lakh
Bank of Baroda Salary Account Package for Central Government Employees — Annexure A · Physical page 6 — in-built facilities with · accessed 13 Sept 2026Open official source ↗
Table 4 · 8 rows · 2 columnsCGESP optional IndiaFirst Life On Your Request Term rate by ageThe booklet's member-paid quote states a rate per ₹1,000 of sum assured; the table does not state payment frequency.View tableHide table

Scroll sideways to view every column

CGESP optional IndiaFirst Life On Your Request Term rate by age
Age bandRate per ₹1,000 sum assured
18–252.12
26–302.24
31–352.62
36–403.51
41–455.34
46–508.93
51–5514.19
56–6020.65
  • Voluntary participation; member pays the premium; maximum cover ₹10 lakh; entry ages 18–60; a DOGH form is required at member level; sum assured capped at 10 times CTC; subject to the insurer's Group Term Life terms.
Bank of Baroda Salary Account Package for Central Government Employees — Annexure B · Physical page 7 — IndiaFirst Life Insurance Company Ltd, Option 1 · accessed 13 Sept 2026Open official source ↗
Table 5 · 5 rows · 3 columnsCGESP optional Max Life indicative term-life quote for ₹1 croreIndicative annual premium by age band and gender; assumptions and underwriting caveats are part of the quote.View tableHide table

Scroll sideways to view every column

CGESP optional Max Life indicative term-life quote for ₹1 crore
Age bandMale annual premiumFemale annual premium
18–25₹9,072₹7,712
26–35₹12,623₹10,731
36–45₹17,200₹14,620
46–55₹39,223₹33,340
56–60₹80,616₹68,523
  • Illustration assumes non-tobacco user, graduate and above, healthy lifestyle, cover to age 80, premiums paid to age 60 and annual premium payment. The quote may vary by income, health and living conditions. Independent insurer underwriting applies; quote generation does not assure acceptance.
Bank of Baroda Salary Account Package for Central Government Employees — Annexure B · Physical page 8 — Max Life Option 2 · accessed 13 Sept 2026Open official source ↗
Table 6 · 12 rows · 2 columnsCGESP booklet — Niva Bupa Sehat Suraksha Plus individual quoteSingle-adult quote as printed in Annexure B(1); terms of the insurer apply.View tableHide table

Scroll sideways to view every column

CGESP booklet — Niva Bupa Sehat Suraksha Plus individual quote
ItemPublished detail
Premium₹2,000
Cover₹2 lakh base sum insured
Who/ageOne adult; age 18–60
Room rent2% of sum insured, maximum ₹4,000
4% of sum insured, maximum ₹8,000
Pre/post hospitalisation30 days pre and 60 days post, within sum insured
AmbulanceUp to ₹1,000; one transfer per hospitalisation
Day care536 listed major procedures; hospitalisation under 24 hours
Co-payment20% of each claim
Waiting periodsInitial 30 days; pre-existing disease 48 months
Other listed coverInpatient treatment over 24 hours, , organ transplant up to sum insured
Scope caveat labels the partner quote for a DFS employee via Bank of Baroda; confirm current availability and terms
Bank of Baroda Salary Account Package for Central Government Employees — Annexure B(1) · Physical page 9 — Niva Bupa Option 1, Quote 1 · accessed 13 Sept 2026Open official source ↗
Table 7 · 4 rows · 9 columnsCGESP booklet — Health Multiplier ₹5 lakh family premium quotePremiums in rupees, excluding GST, by member ages and family composition as printed in Annexure B(1).View tableHide table

Scroll sideways to view every column

CGESP booklet — Health Multiplier ₹5 lakh family premium quote
Age band1A2A1A1C1A2C1A3C2A1C2A2C2A3C
18–306,1249,6548,11510,71412,89212,42614,81416,280
31–457,96112,55010,54913,92816,75916,15419,25821,164
46–5512,77619,76415,80420,74725,42224,50429,02532,213
56–6526,24635,32125,18529,16139,37338,28141,61543,664
  • 1A = one adult; 2A = two adults; C denotes child, as reflected by the published composition columns. The quote states ₹5 lakh sum insured and excludes . Entry age and policy terms follow the insurer's terms printed with the quote.
Bank of Baroda Salary Account Package for Central Government Employees — Annexure B(1) · Physical page 9 — Niva Bupa Health Multiplier, ₹5 lakh table · accessed 13 Sept 2026Open official source ↗
Table 8 · 4 rows · 9 columnsCGESP booklet — Health Multiplier ₹10 lakh family premium quotePremiums in rupees, excluding GST, by member ages and family composition as printed in Annexure B(1).View tableHide table

Scroll sideways to view every column

CGESP booklet — Health Multiplier ₹10 lakh family premium quote
Age band1A2A1A1C1A2C1A3C2A1C2A2C2A3C
18–307,61811,95610,01513,17815,81015,33718,23419,971
31–459,90415,54313,02017,13120,55319,93923,70425,962
46–5515,90924,53919,57625,64531,37430,35435,89339,758
56–6532,65643,92231,28636,19441,38947,56351,66854,179
  • 1A = one adult; 2A = two adults; C denotes child, as reflected by the published composition columns. The quote states ₹10 lakh sum insured and excludes . Entry age and policy terms follow the insurer's terms printed with the quote.
Bank of Baroda Salary Account Package for Central Government Employees — Annexure B(1) · Physical page 10 — Niva Bupa Health Multiplier, ₹10 lakh table · accessed 13 Sept 2026Open official source ↗
Table 9 · 26 rows · 2 columnsStar Health Assure — terms in the optional CGESP quoteThe booklet labels this cover optional and customer-funded. Transcribes the conditions shown on physical pages 12–13; insurer policy wording controls.View tableHide table

Scroll sideways to view every column

Star Health Assure — terms in the optional CGESP quote
FeaturePublished term
Entry ageIndividual: 91 days–75 years; floater: 18–75 years
Renewal and policy termLifelong renewability; 1-, 2- or 3-year terms
Sum insured and cover type₹5 lakh or ₹10 lakh; individual or floater
Premium paymentMonthly, quarterly, half-yearly or annual instalments; loading 4% monthly, 3% quarterly and 2% half-yearly
Pre-policy medical screeningFor adverse medical history, insurer may require screening; insurer bears 100% of its cost
Day-care treatmentAll day-care procedures
Pre-/post-hospitalisationActual expenses for 60 days before and 180 days after hospitalisation
Room rent₹5 lakh : up to 1% of per day; ₹10 lakh : any room other than suite+
Modern treatmentsUp to 100% of
Road ambulanceUp to
Air ambulanceUp to 10% of per policy year
Annual health check-upPayable within the policy limit irrespective of claims
Organ donorUp to ; additional may apply for redo surgery/ complications as specified
treatmentUp to 100% of
Age-61+ co-payment10% per claim for an insured person whose age at entry is 61 or above; applies at new entry and renewals
In-utero foetal surgery/interventionUp to ; 2-year waiting period
Delivery expensesUp to 10% of per policy year; self/spouse covered after 2 continuous years
Cumulative bonus25% of for each claim-free year, up to 100%
Chronic severe refractory asthmaUp to 10% of , capped at ₹5 lakh per policy period
Compassionate travelAir-transport expense up to ₹10,000 for one immediate family member other than the travel companion
Repatriation of mortal remainsUp to ₹15,000 per policy year
Shared accommodation₹1,000 per completed 24-hour period
Zone ADelhi, Faridabad, Gurgaon, Ghaziabad, Noida; Mumbai and Thane; Ahmedabad, Surat and Vadodara
Zone BPune, Nashik, Trivandrum, Ernakulam, Chennai, Bengaluru, Hyderabad, Secunderabad and the rest of Gujarat
Zone CRest of India
Automatic restorationUnlimited restorations, up to 100% of each time; triggers immediately on partial/full utilisation and applies to subsequent hospitalisation. Partial use restores the amount used; full use restores 100%. A single claim under restoration cannot exceed .
  • Premium chart tax treatment is not specified on these pages. The booklet does not establish that the optional quote remains available to every customer.
Bank of Baroda Salary Account Package for Central Government Employees — Annexure B(1) · Physical pages 12–13 — Star Health Assure features and conditions · accessed 13 Sept 2026Open official source ↗
Table 10 · 10 rows · 3 columnsStar Health Assure annual premium quote — one adultPremiums in rupees by age and sum insured, copied from the customer-paid optional quote. The chart's tax treatment is not stated.View tableHide table

Scroll sideways to view every column

Star Health Assure annual premium quote — one adult
Age band₹5 lakh ₹10 lakh
18–357,2599,762
36–458,70511,540
46–5011,39114,441
51–5516,06619,787
56–6020,78225,588
61–6525,89131,872
66–7031,00038,157
71–7534,67942,681
76–8038,11246,905
Above 8041,13450,621
  • The policy section lists individual entry age through 75 years; rates shown for older ages do not by themselves establish new-entry eligibility. Insurer terms apply; no /tax treatment is stated for this chart.
Bank of Baroda Salary Account Package for Central Government Employees — Annexure B(1) · Physical pages 13–14 — Star Health Assure individual premium chart · accessed 13 Sept 2026Open official source ↗
Table 11 · 10 rows · 3 columnsStar Health Assure annual premium quote — two adultsPremiums in rupees by age and sum insured for the two-adult floater shown in the customer-paid optional quote.View tableHide table

Scroll sideways to view every column

Star Health Assure annual premium quote — two adults
Age band₹5 lakh ₹10 lakh
18–3512,16516,761
36–4514,47719,606
46–5018,54923,808
51–5525,80231,922
56–6033,34841,203
61–6541,52251,258
66–7049,69761,313
71–7555,58368,553
76–8061,07675,310
Above 8065,91181,256
  • The policy section lists floater entry age through 75 years; rates shown for older ages do not by themselves establish new-entry eligibility. Insurer terms apply; no /tax treatment is stated for this chart.
Bank of Baroda Salary Account Package for Central Government Employees — Annexure B(1) · Physical pages 14–15 — Star Health Assure two-adult floater premium chart · accessed 13 Sept 2026Open official source ↗
Table 12 · 10 rows · 3 columnsStar Health Assure annual premium quote — two adults and one childPremiums in rupees by age and sum insured for the two-adult/one-child floater shown in the customer-paid optional quote.View tableHide table

Scroll sideways to view every column

Star Health Assure annual premium quote — two adults and one child
Age band₹5 lakh ₹10 lakh
18–3515,48220,841
36–4517,79523,786
46–5021,86727,888
51–5529,11936,002
56–6036,66545,284
61–6544,84055,339
66–7053,01565,393
71–7558,90072,633
76–8064,39479,390
Above 8069,22885,336
  • The policy section lists floater entry age through 75 years; rates shown for older ages do not by themselves establish new-entry eligibility. Insurer terms apply; no /tax treatment is stated for this chart.
Bank of Baroda Salary Account Package for Central Government Employees — Annexure B(1) · Physical pages 14–15 — Star Health Assure 2A+1C floater premium chart · accessed 13 Sept 2026Open official source ↗
Table 13 · 10 rows · 3 columnsStar Health Assure annual premium quote — two adults and two childrenPremiums in rupees by age and sum insured for the two-adult/two-child floater shown in the customer-paid optional quote.View tableHide table

Scroll sideways to view every column

Star Health Assure annual premium quote — two adults and two children
Age band₹5 lakh ₹10 lakh
18–3518,79924,922
36–4521,11227,767
46–5025,18431,969
51–5532,43640,082
56–6039,98249,364
61–6548,15759,419
66–7056,33269,474
71–7562,21876,713
76–8067,71183,470
Above 8072,54589,416
  • The policy section lists floater entry age through 75 years; rates shown for older ages do not by themselves establish new-entry eligibility. Insurer terms apply; no /tax treatment is stated for this chart.
Bank of Baroda Salary Account Package for Central Government Employees — Annexure B(1) · Physical pages 15–16 — Star Health Assure 2A+2C floater premium chart · accessed 13 Sept 2026Open official source ↗
Table 14 · 16 rows · 2 columnsArogya Sanjeevani — terms in the optional CGESP quoteTranscription of the customer-paid Star Health policy information on physical pages 16–18; insurer policy wording controls.View tableHide table

Scroll sideways to view every column

Arogya Sanjeevani — terms in the optional CGESP quote
FeaturePublished term
EligibilityAge 3 months–65 years, as stated in the policy information
Renewal and policy termLifelong renewability; 1-year term
Cover and sum insuredIndividual or floater; ₹2 lakh, ₹3 lakh, ₹4 lakh, ₹5 lakh, ₹7 lakh or ₹10 lakh
Premium paymentQuarterly, half-yearly or annual; loading 3% quarterly and 2% half-yearly
Medical screeningPeople above 50 years undergo pre-acceptance screening at insurer-nominated centres
Day-care proceduresAll day-care procedures covered
Pre-/post-hospitalisationActual expenses for 30 days before and 60 days after hospitalisation
Room rentUp to 2% of , maximum ₹5,000 per day
expensesUp to 5% of , maximum ₹10,000 per day
Modern treatmentUp to 50% of
CataractUp to 25% of or ₹40,000 per eye per policy year, whichever is lower
treatmentUp to 100% of
Initial illness waiting period30 days, except where illness follows an accident
Pre-existing disease waiting period36 months
Specified-condition waiting period24 or 36 months, depending on the condition
Co-payment5% of each admissible claim
  • The source labels cover optional and customer-paid. Its premium tables include rates for ages above 65; those rows do not override the stated entry-age rule. Insurer terms and conditions apply.
Bank of Baroda Salary Account Package for Central Government Employees — Annexure B(1) · Physical pages 16–18 — Arogya Sanjeevani conditions · accessed 13 Sept 2026Open official source ↗
Table 15 · 10 rows · 7 columnsArogya Sanjeevani annual premium chart — individualPremiums in rupees by age and sum insured, transcribed from the optional Star Health quote.View tableHide table

Scroll sideways to view every column

Arogya Sanjeevani annual premium chart — individual
Age band₹2 lakh₹3 lakh₹4 lakh₹5 lakh₹7 lakh₹10 lakh
3 months–353,2103,4553,8354,1704,8205,580
36–454,1754,4904,9855,4206,2657,250
46–505,8456,2856,9807,5908,77010,150
51–557,5958,1709,0759,86511,40013,195
56–609,87510,62011,80012,82514,82017,155
61–6512,84013,80515,34016,67519,27022,305
66–7016,69017,95019,94021,67525,05028,995
71–7521,70023,33025,92528,18032,56537,695
76–8028,21030,33033,70036,63542,33549,000
Above 8036,67039,43043,81547,62055,03063,700
  • Premiums in rupees. Table footnote: insurer terms and conditions apply. Tax treatment is not specified.
Bank of Baroda Salary Account Package for Central Government Employees — Annexure B(1) · Physical page 17 — Arogya Sanjeevani individual premium table · accessed 13 Sept 2026Open official source ↗
Table 16 · 10 rows · 7 columnsArogya Sanjeevani annual premium chart — two adultsPremiums in rupees by age and sum insured for the two-adult floater, transcribed from the optional Star Health quote.View tableHide table

Scroll sideways to view every column

Arogya Sanjeevani annual premium chart — two adults
Age band₹2 lakh₹3 lakh₹4 lakh₹5 lakh₹7 lakh₹10 lakh
3 months–354,8155,1805,7556,2557,2308,365
36–456,2606,7357,4808,1309,39510,875
46–508,7659,42510,47511,38513,15515,230
51–5511,39512,25513,61514,80017,10019,795
56–6014,81515,93017,70019,24022,23525,735
61–6519,26020,71023,01025,01028,90533,455
66–7025,03526,92029,91532,51537,57543,490
71–7532,55035,00038,88542,27048,84556,540
76–8042,31545,50050,55554,95063,50073,500
Above 8055,00559,14565,72071,43582,55095,550
  • Premiums in rupees. Table footnote: insurer terms and conditions apply. Tax treatment is not specified.
Bank of Baroda Salary Account Package for Central Government Employees — Annexure B(1) · Physical page 17 — Arogya Sanjeevani 2-adult premium table · accessed 13 Sept 2026Open official source ↗
Table 17 · 3 rows · 7 columnsArogya Sanjeevani annual premium chart — childrenChild premium by child order and sum insured in the optional Star Health quote.View tableHide table

Scroll sideways to view every column

Arogya Sanjeevani annual premium chart — children
Child order₹2 lakh₹3 lakh₹4 lakh₹5 lakh₹7 lakh₹10 lakh
First child1,5401,6551,8402,0002,3102,675
Second child1,3851,4901,6551,8002,0802,410
Third child onward1,2451,3401,4901,6201,8702,165
  • Premiums in rupees. Table footnote: insurer terms and conditions apply. Tax treatment is not specified.
Bank of Baroda Salary Account Package for Central Government Employees — Annexure B(1) · Physical page 17 — Arogya Sanjeevani child premium table · accessed 13 Sept 2026Open official source ↗
Table 18 · 4 rows · 4 columnsNiva Bupa group medical top-up — family premiumsOptional, voluntary customer-paid quote for ₹15 lakh base sum insured with ₹2 lakh deductible; premiums include GST.View tableHide table

Scroll sideways to view every column

Niva Bupa group medical top-up — family premiums
Family compositionBase sum insuredDeductiblePremium including
1 adult₹15 lakh₹2 lakh₹749
2 adults₹15 lakh₹2 lakh₹1,235
2 adults + 1 child₹15 lakh₹2 lakh₹1,589
2 adults + 2 children₹15 lakh₹2 lakh₹1,939
  • The page says cost is borne by the customer and purchase is voluntary. Confirm current availability and policy wording with the insurer.
Bank of Baroda Salary Account Package for Central Government Employees — Annexure C · Physical page 19 — Niva Bupa Plan 1 family-premium table · accessed 13 Sept 2026Open official source ↗
Table 19 · 13 rows · 2 columnsNiva Bupa group medical top-up — following plan descriptionTerms transcribed from the second plan description in Annexure C. The booklet's product name and later premium label do not clearly reconcile; confirm the matching insurer plan before relying on the ₹1,999 quote.View tableHide table

Scroll sideways to view every column

Niva Bupa group medical top-up — following plan description
FeaturePublished detail
In-patient hospitalisationCovered up to sum insured; single private room
Day-care536 major day-care procedures covered
Pre-/post-hospitalisation30 days before and 60 days after
Domiciliary hospitalisationUp to base sum insured
Modern treatmentUp to sum insured
Organ transplantUp to sum insured
Built-in accident cover₹30 lakh for primary insured
Accompanying person₹100 per day, maximum 10 days
Sum insured and deductible₹30 lakh sum insured; ₹3 lakh deductible
Entry ageAdult 18–65 years; child 91 days–21 years
Family type1A through 2A+2C
Waiting periodsInitial 30 days; specified conditions 24 months; pre-existing disease 24 months
Premium line₹1,999 including , described as age-agnostic for 'Super Protect Plus Top Plan'; the booklet does not clearly tie this label to the preceding plan's cover schedule
  • The source explicitly says the top-up is customer-funded and voluntary. Do not treat the ₹1,999 as definitively priced for the preceding ₹30 lakh/₹3 lakh-deductible schedule without insurer confirmation.
Bank of Baroda Salary Account Package for Central Government Employees — Annexure C · Physical pages 19–20 — Niva Bupa Plan 2 description and continued terms · accessed 13 Sept 2026Open official source ↗
Table 20 · 5 rows · 3 columnsStar Health group medical top-up premium — one adultPremium per person in rupees, excluding GST, by sum insured and deductible; optional and customer-funded.View tableHide table

Scroll sideways to view every column

Star Health group medical top-up premium — one adult
Sum insured₹2 lakh deductible₹3 lakh deductible
₹5 lakh795517
₹10 lakh954620
₹15 lakh1,097713
₹20 lakh1,229799
₹25 lakh1,351878
  • Premium is per person and excludes . This is the Star Health & Allied Insurance Company schedule in Annexure C.
Bank of Baroda Salary Account Package for Central Government Employees — Annexure C · Physical page 20 — Star Health top-up, 1A rate matrix · accessed 13 Sept 2026Open official source ↗
Table 21 · 5 rows · 3 columnsStar Health group medical top-up premium — two adults and two childrenPremium per person in rupees, excluding GST, by sum insured and deductible; optional and customer-funded.View tableHide table

Scroll sideways to view every column

Star Health group medical top-up premium — two adults and two children
Sum insured₹2 lakh deductible₹3 lakh deductible
₹5 lakh1,135738
₹10 lakh1,363886
₹15 lakh1,5671,019
₹20 lakh1,7551,141
₹25 lakh1,9311,255
  • Premium is per person and excludes . This is the Star Health & Allied Insurance Company schedule in Annexure C.
Bank of Baroda Salary Account Package for Central Government Employees — Annexure C · Physical page 20 — Star Health top-up, 2A+2C rate matrix · accessed 13 Sept 2026Open official source ↗
Table 22 · 3 rows · 4 columnsCGESS instant overdraft — group limits and adjustmentAnnexure D salary-credit trigger, limit basis and repayment time for each employee group.View tableHide table

Scroll sideways to view every column

CGESS instant overdraft — group limits and adjustment
ParameterGroup CGroup BGroup A
Available after2 salary credits1st salary credit1st salary credit
Limit basis and maximumAverage of last 2 salary credits, up to ₹10,000Last salary credit, up to ₹20,000Last salary credit, up to ₹30,000
Full adjustment deadlineOnce within 60 days of drawdownOnce within 60 days of drawdownOnce within 60 days of drawdown
  • The table does not give an interest rate or overdraft charge.
Bank of Baroda Salary Account Package for Central Government Employees — Annexure D · Physical page 21 — instant overdraft matrix · accessed 13 Sept 2026Open official source ↗
Table 23 · 10 rows · 4 columnsCGESS debit-card benefits by employee gradeComplete benefit matrix from Annexure E. Dashes reproduce cells shown as '----' in the source; they do not establish whether a benefit is unavailable under separate card terms.View tableHide table

Scroll sideways to view every column

CGESS debit-card benefits by employee grade
FeatureGroup AGroup BGroup C
Debit-card variantSelectSelectPlatinum
Healthcare check-upOne per quarter — Thyrocare / SRL DiagnosticOne per quarter — Thyrocare / SRL Diagnostic—
Domestic lounge1 per quarter1 per quarter1 per year
International lounge2 per year2 per year—
membership1 per year1 per year—
Spa session1 per quarter1 per quarter—
Fitness subscription1 per quarter; 30-day offline workout membership1 per quarter; 30-day offline workout membership—
Golf2 rounds per year1 round per year—
Personal-accident cover₹10 lakh₹10 lakh₹2 lakh
Concierge24×7 domestic24×7 domestic24×7 domestic
  • The source says features are subject to change. The joint-account note says a free RuPay Platinum debit card may be allowed for the joint holder; insurance is limited to the salaried first holder.
Bank of Baroda Salary Account Package for Central Government Employees — Annexure E · Physical page 22 — debit-card feature matrix; page 24 — joint account condition · accessed 13 Sept 2026Open official source ↗
Table 24 · 12 rows · 4 columnsCGESS BOBCARD RuPay Eterna, Premier and Easy — complete package comparisonTranscription of the credit-card offer chart for central government salary-package customers; credit limits and issuance remain subject to BOBCARD internal guidelines.View tableHide table

Scroll sideways to view every column

CGESS BOBCARD RuPay Eterna, Premier and Easy — complete package comparison
FeatureGroup A — RuPay EternaGroup B — RuPay PremierGroup C — RuPay Easy
Joining/annual fee₹2,499; waived₹1,000; waived₹500; waived
Credit limitSubject to internal policy guidelinesSubject to internal policy guidelinesSubject to internal policy guidelines
Base rewards3 points per ₹100; ₹0.25 per point2 points per ₹100; ₹0.25 per point1 point per ₹100; ₹0.20 per point
Reward exclusionSelect merchant-category codes earn no pointsSelect merchant-category codes earn no pointsSelect merchant-category codes earn no points
Movie offerZomato District buy-one-get-one ticket; max ₹250 per card per monthNot applicable in this chartNot applicable in this chart
Accelerated rewards5× (15 points per ₹100) on e-commerce, international, dining and travel; max 5,000 points per statement-cycle month5× (10 points per ₹100) on travel, dining and abroad; max 2,000 points per month5× (5 points per ₹100) on department stores and movies; max 1,000 points per statement-cycle month
First 60-day milestone10,000 bonus points after ₹50,000 spend in first 60 days500 bonus points after ₹5,000 spend in first 60 days500 bonus points after ₹500 spend in first 60 days
Additional milestone20,000 bonus points after ₹5,00,000 spend in a year——
Domestic loungeUnlimited complimentary visits after ₹40,000 spend in preceding calendar quarter1 complimentary visit per calendar quarter after ₹20,000 spend in preceding calendar quarterNot applicable in this chart
Air-accident cover₹1 crore, subject to ticket purchase on the same card₹1 crore, subject to ticket purchase on the same cardNot applicable in this chart
Rail/road personal-accident cover₹10 lakh₹10 lakhNot applicable in this chart
Fuel-surcharge waiverTransactions ₹400–₹5,000; max ₹250 per monthTransactions ₹400–₹5,000; max ₹250 per monthTransactions ₹400–₹5,000; max ₹250 per month
  • Page 24 additionally says features are subject to change and credit card is subject to internal guidelines. Rewards, offer eligibility and lounge thresholds should be confirmed against the current card terms before use.
Bank of Baroda Salary Account Package for Central Government Employees — Annexure F · Physical pages 23–24 — complete feature and offer matrix · accessed 13 Sept 2026Open official source ↗
Table 25 · 13 rows · 2 columnsCGESS eligibility, salary-credit and insurance conditionsNumbered terms and conditions governing the Central Government Employees Salary Savings Account and its linked insurance/package offers.View tableHide table

Scroll sideways to view every column

CGESS eligibility, salary-credit and insurance conditions
ConditionPublished wording, summarized
Eligible employeesPermanent, regular and confirmed Central Government employees posted in Central Government departments
Account schemeOpen under the prescribed savings-bank salary scheme code; complete and required documents
Salary credits for insuranceAt least one salary must be credited in all proposed salary accounts; insurance follows applicable insurer/bank guidelines
Insurance lapseNo / cover if salary is not received for 3 consecutive months in a financial year
Salary-package categorisationBenefits apply only to accounts categorized under the salary package; employee may need to submit a branch request/documents if categorisation is incorrect
Joint accounts/ applies only when salaried person is first holder; the second holder gets no insurance benefits; free RuPay Platinum debit card may be allowed to joint holder
Salary continuityIf regular salary is not credited for 3 continuous months, salary-scheme benefits may be withdrawn and bank may transfer account to another scheme or mark it non-salary
Accident claim documentationSubmit claim-substantiating documents within 180 days of accident
Claim responsibility-empanelled broker assists with legitimate claims; claimant and insurer handle settlement/disputes, and the bank is not a party
Optional coverGroup term insurance and top-up health insurance may be offered to willing employees at their own cost, subject to insurer underwriting/terms
Auto-sweep fixed depositAvailable only on request; not automatic
Credit-card issueSubject to internal guidelines
Offer changesBank may modify or withdraw offers and communicate through appropriate channels
  • The booklet alternates between the names CGESS (Central Government Employees Salary Savings Account) and in headings. This transcription retains the source wording and does not create a separate product.
Bank of Baroda Salary Account Package for Central Government Employees — CGESS Terms and Conditions · Physical pages 24–25 — terms 1–15, eligibility and offer conditions · accessed 13 Sept 2026Open official source ↗
Table 26 · 6 rows · 4 columnsCGESP account conversion and application documentsRequirements from the existing-account conversion form, new-account application form and current BOB page.View tableHide table

Scroll sideways to view every column

CGESP account conversion and application documents
Document or requirementExisting account conversion — page 26New salary-account application — page 27Current page
RequiredRequiredIncluded in account under extant guidelines
AadhaarRequiredRequiredIncluded in account under extant guidelines
Salary evidenceLatest salary slipLatest salary slipLatest salary slip or salary-related document
Employment evidenceEmployee identity card/service certificate or appointment/employment letterEmployee identity card/service certificate or appointment/employment letterAppointment letter or equivalent salary-related document
Savings-account Comply with applicable account requirementsComply with applicable account requirementsApplicable documents for opening a Savings Account as per extant guidelines
Package declarationSign declaration accepting scheme benefits and termsSign declaration accepting scheme benefits and termsDeclaration stating the Terms and Conditions of the benefits under the Baroda Government Employees Salary Account Scheme
  • The current page does not enumerate every Savings Account item; the bank's extant account-opening checklist controls. The two forms distinguish an existing-account conversion from a new salary-account opening.
bob Central Government Employees Salary Package page and linked 47-page booklet · Current page: Documents Required; booklet physical pages 26–27 · accessed 13 Sept 2026Open official source ↗
Table 27 · 4 rows · 2 columnsCGESP salary-account transfer — No-Dues Certificate conditionsDeclarations and consequence published in the account-transfer certificate.View tableHide table

Scroll sideways to view every column

CGESP salary-account transfer — No-Dues Certificate conditions
Declaration or consequencePublished condition
No-loan routeAccount holder certifies that they have no loan from Bank of Baroda
Repaid-loan routeIf a loan was taken, it must be fully liquidated with no amount outstanding
Package benefits after transferSalary-package benefits cease when the salary account is transferred to another bank
DocumentNo-Dues Certificate for transfer of the salary account
  • This is a transfer/closure condition, not an eligibility condition for opening the salary account.
Bank of Baroda Salary Account Package for Central Government Employees — No-Dues Certificate · Physical page 28 · accessed 13 Sept 2026Open official source ↗
Table 28 · 13 rows · 2 columnsCGESP National Insurance personal-accident policy — schedule and termsThe attached policy's own terms and the group cover schedule; its stated validity has expired and renewal was not established by the reviewed sources.View tableHide table

Scroll sideways to view every column

CGESP National Insurance personal-accident policy — schedule and terms
Policy feature or conditionPublished detail
Insurer and policy typeNational Insurance Company Limited; group personal-accident cover for eligible salary-package account holders
Attached policy validityValid through 11 August 2026, subject to renewal; no renewal confirmation or replacement schedule found in the reviewed sources as of 13 September 2026
Current marketing pageAdvertises free personal-accident cover up to ₹150 lakh and additional air-accident coverage; this does not itself verify renewal of the attached insurer policy
Group C personal-accident death cover₹1 crore; equal additional air-accident cover in the attached schedule
Group B personal-accident death cover₹1.2 crore; equal additional air-accident cover in the attached schedule
Group A personal-accident death cover₹1.5 crore; equal additional air-accident cover in the attached schedule
Accidental injury definitionExternal, violent and visible means; the covered event must meet the policy definition and timing condition
Permanent total disabilityThe schedule assigns 100% for the listed total-disability categories, up to the applicable group base amount
Permanent partial disabilityPercentage of base as in the policy schedule; other cases are assessed by the insurer's appointed medical practitioner
Air-accident conditionCivilian commercial passenger flight; a valid ticket is required and must be purchased through a mode linked to the covered account as stated in the policy
Salary continuityThe policy says /air-accident cover is unavailable if salary is not received for three consecutive months
Claim time limitClaim intimation/claim submission must be made within 180 days, as specified in the policy and page
Claim settlement responsibilityInsurer decides and settles under policy terms; broker assists with claim handling, but is not a party to settlement disputes
  • Schedule amounts and definitions are transcribed from the attached policy, but its validity ended before this review date. Current marketing language and insurer-policy validity are deliberately reported separately.
National Insurance Company Limited — group personal-accident policy schedule · Physical pages 29–31; benefit schedule on page 1; current page: Benefits and Terms & Conditions · accessed 13 Sept 2026Open official source ↗
Table 29 · 8 rows · 2 columnsCGESP personal-accident policy — listed exclusionsExclusion categories appearing in the attached National Insurance group policy wording.View tableHide table

Scroll sideways to view every column

CGESP personal-accident policy — listed exclusions
Exclusion categoryPolicy wording summary
Intentional self-injurySuicide, attempted suicide or intentional self-injury
Alcohol and drugsAccident/injury while under the influence of intoxicating liquor or drugs, as specified by the policy
Specified illness conditionsVenereal disease, /-related conditions and insanity/mental disorder as stated in the attached wording
Criminal actsInjury occurring while committing or attempting a criminal act
Aviation and hazardous activityFlying or other aviation activity except as an ordinary fare-paying passenger on a scheduled airline; ballooning and similar activities are excluded
War and civil disturbanceWar, invasion, hostilities, civil war, rebellion, revolution, insurrection or military/usurped power
Nuclear risksIonising radiation, nuclear fuel/waste or nuclear weapons/material
Pregnancy and childbirthPregnancy, childbirth and related conditions, as stated in the attached wording
  • This is a summary of the attached policy wording, not a substitute for its full terms. Because the attached schedule expired on 11 August 2026, confirm any renewed policy wording before relying on exclusions.
National Insurance Company Limited — group personal-accident policy schedule · Physical pages 30–31 — exclusions and special conditions · accessed 13 Sept 2026Open official source ↗
Table 30 · 21 rows · 3 columnsCGESP personal-accident death claim — document checklistDocuments listed across the attached policy's death-claim guidance and supporting annexures.View tableHide table

Scroll sideways to view every column

CGESP personal-accident death claim — document checklist
No.Document or evidenceWhen or how it applies
1Insurer's completed claim formFor the nominee/claimant; signed as required
2First Information Report ()Accidental death; branch-attested copy where required
3Post-mortem reportAccidental/unnatural death where applicable
4Death certificateOfficial certificate for the insured account holder
5Bank certificate confirming the deceased's accountCertified by the branch/authorised bank official
6Nominee or legal claimant account detailsAccount holder/nominee record and details for payment
7Nominee's or claimant's cancelled cheque/passbookMust show claimant name, account number and ; original/certified evidence as required
8Nominee detailsName, date of birth and relationship with the deceased
9Hospital treatment papersHospitalisation, treatment and medical records
10Discharge summary and indoor case papersWhere the deceased received hospital treatment
11Attending doctor's/hospital recordsCertificates and reports supporting the cause and sequence of events
12Bank-stamped passbook first pageShows the deceased and nominee/joint-holder details, where requested
13Nominee's claim applicationClaimant's signed application and identity/contact details
14Police/employer duty letterFor applicable police personnel: police confirmation of duty/post at incident time
15Legal-heir or succession evidenceIf no valid nominee is recorded or insurer requires proof of entitlement
16Driving licenceIf the deceased was driving at the time of the accident
17Aadhaar and /Form 60Identity/ of claimant and deceased as applicable
18Viscera/chemical analysis reportWhere poisoning, alcohol or related circumstances apply
19Original cancelled cheque or bank-certified mandateFor verified claim payment destination
20Translation of recordsIf a submitted record is not in the language accepted by the insurer
21Any additional case-specific documentInsurer may request further material after reviewing the claim
  • Some documents are conditional on the cause of death, claimant status or insurer's case assessment. The current page requires claim documents to be submitted within 180 days of accident; insurer terms control final requirements.
National Insurance Company Limited — group personal-accident policy schedule · Physical pages 31–35 — death claim requirements and Annexure V · accessed 13 Sept 2026Open official source ↗
Table 31 · 10 rows · 3 columnsCGESP personal-accident disability claim — document checklistDisability claim documents listed in the National Insurance policy annexure.View tableHide table

Scroll sideways to view every column

CGESP personal-accident disability claim — document checklist
No.Document or evidenceCondition or certification
1Claim intimation and disability claim formCompleted and signed by claimant/insured as applicable
2No-objection/declaration formClaimant's signed declaration in the insurer's required form
3Medico-legal case (MLC) recordWhere an MLC was registered/applicable
4Medical certificateFrom a registered medical practitioner describing disability and permanence
5Branch certificateBank branch confirms the account and salary-package details requested by insurer
6Government disability certificateIssued by competent government authority
7 or Defence/department incident reportAs relevant to the insured person's occupation and incident
8Hospitalisation and treatment papersDischarge summary, X-rays, laboratory reports and other treatment evidence
9Photograph of amputation/injuryVerified or branch-attested where specified
10Any further evidence requested by insurerAdditional case-specific documents may be required
  • The schedule validity date has passed and renewal was not found. Confirm the current insurer's list and claim deadline before submitting a claim.
National Insurance Company Limited — group personal-accident policy schedule · Physical page 33 — permanent-disability claim documents · accessed 13 Sept 2026Open official source ↗
Table 32 · 17 rows · 3 columnsCGESP accident claims — branch-attested Annexure V checklistItem-by-item branch checklist for claim support; preserves the annexure separately from the preceding claimant-facing checklists.View tableHide table

Scroll sideways to view every column

CGESP accident claims — branch-attested Annexure V checklist
No.Checklist itemApplicability/notes
1Claim formCompleted and signed
2Bank certificate for the insured accountBranch certification
3Nominee/legal claimant account and formPayment particulars and account verification
4Medical certificateWhere injury/disability or medical sequence is relevant
5Medico-legal case recordIf an MLC was registered
6Attested For accident/unnatural death claims as applicable
7Police investigation reportTrain accident, drowning, murder or other listed circumstances
8Viscera report/chemical analysisPoisoning or alcohol-related cases
9Accident-related hospital recordsIndoor papers, discharge summary and reports
10Claim intimationDated notice to insurer/bank
11Claimant AadhaarIdentity document
12Claimant /Form 60Tax identity/ as applicable
13Nominee/joint-holder AadhaarIdentity proof as applicable
14Bank-certified passbook first page or cancelled chequeShows claimant account number and
15Driving licenceIf insured was driving
16Government disability certificateFor disability claims
17Other documents necessary to the claimInsurer may request case-specific evidence
  • The checklist says the branch should attest the specified copies. Additional evidence may be required by the insurer.
National Insurance Company Limited — group personal-accident policy schedule, Annexure V · Physical page 35 — Annexure V · accessed 13 Sept 2026Open official source ↗
Table 33 · 36 rows · 2 columnsCGESP personal-accident policy — permanent disability percentage scheduleComplete injury percentage schedule as printed in the attached policy. The percentage is applied to base personal-accident sum insured under the policy conditions.View tableHide table

Scroll sideways to view every column

CGESP personal-accident policy — permanent disability percentage schedule
Injury or lossPercentage of base sum insured
Accidental death100%
Loss of sight of both eyes100%
Loss of both limbs100%
Loss of one limb and sight of one eye100%
Permanent total/absolute disability certified by doctor100%
Loss of sight of one eye50%
Loss of one limb50%
Loss of all toes20%
Loss of both phalanges of great toe5%
Loss of one phalanx of great toe2%
Loss of each other toe where more than one is lost1%
Loss of hearing in both ears75%
Loss of hearing in one ear30%
Loss of speech50%
Loss of four fingers and thumb of one hand40%
Loss of four fingers of one hand35%
Loss of both phalanges of thumb25%
Loss of one phalanx of thumb10%
Loss of all three phalanges of index finger10%
Loss of two phalanges of index finger10%
Loss of one phalanx of index finger10%
Loss of all three phalanges of middle finger6%
Loss of two phalanges of middle finger6%
Loss of one phalanx of middle finger6%
Loss of all three phalanges of ring finger5%
Loss of two phalanges of ring finger5%
Loss of one phalanx of ring finger5%
Loss of all three phalanges of little finger4%
Loss of two phalanges of little finger4%
Loss of one phalanx of little finger4%
Loss of first metacarpal3% additional
Loss of second metacarpal3% additional
Loss of third metacarpal3% additional
Loss of fourth metacarpal3% additional
Loss of fifth metacarpal3% additional
Other permanent partial disabilityPercentage assessed by insurer-appointed medical practitioner
  • Transcribed by injury row from the attached policy's page-36/37 chart. Metacarpal percentages are stated as additional in the chart. The schedule is attached to a policy whose stated validity ended 11 August 2026; current benefit status is unverified.
National Insurance Company Limited — group personal-accident policy schedule · Physical pages 36–37 — permanent total and partial disablement table · accessed 13 Sept 2026Open official source ↗
Table 34 · 2 rows · 3 columnsCGESP personal-accident policy — girl-child marriage and higher-education benefitsAdditional benefits and supporting evidence from the attached policy schedule.View tableHide table

Scroll sideways to view every column

CGESP personal-accident policy — girl-child marriage and higher-education benefits
BenefitAmount/eligibilityDocuments listed
Girl-child marriageFor an insured's girl child aged 18–25; additional benefit of 10% of base personal-accident coverProof of birth/age; Aadhaar/; notarised unmarried declaration; evidence of relationship to insured
Higher educationAdditional benefit of 10% of base personal-accident cover for the covered higher-education eventAdmission to recognised college; full-time course details and duration; course start date; fee receipt
  • Benefit and evidence requirements are taken from the attached policy. Confirm the renewed policy's current limits and eligible events before relying on them.
National Insurance Company Limited — group personal-accident policy schedule · Physical page 34 — additional girl-child marriage and higher-education covers · accessed 13 Sept 2026Open official source ↗
Table 35 · 4 rows · 2 columnsCGESP LIC group term-life policy — listed exclusionsExclusion categories appearing in the attached Life Insurance Corporation of India group term-life policy schedule.View tableHide table

Scroll sideways to view every column

CGESP LIC group term-life policy — listed exclusions
Exclusion categoryPolicy wording summary
War and armed conflictWar, invasion, hostilities, civil war, rebellion, revolution, insurrection or military/usurped power
Terrorism and civil conflictTerrorism or civil-conflict events in the circumstances described in the policy
Nuclear risksNuclear, chemical or biological weapons and related risks listed in the policy
Active/passive war or terrorism riskClaims arising from active participation or passive exposure where excluded by the policy wording
  • The list summarizes the attached schedule and does not replace the policy wording. The attached policy validity ended 2 May 2026 subject to renewal; current wording/renewal was not found.
Life Insurance Corporation of India — group term-life policy schedule · Physical pages 38–39 — policy exclusions · accessed 13 Sept 2026Open official source ↗
Table 36 · 9 rows · 2 columnsCGESP LIC group term-life policy — claim process and documentsClaim notification, submission and settlement steps from the attached LIC group term-life schedule.View tableHide table

Scroll sideways to view every column

CGESP LIC group term-life policy — claim process and documents
Step or documentPublished requirement
Initial notificationNotify the bank/broker; provide a brief incident description, date/time, affected account/insured person and nominee contact details
Death evidenceCopy of death certificate
Claim formCompleted form signed by nominee/legal heir/authorised representative and countersigned by the master policyholder
Know Your Customer documents for account holder and nominee/claimant
Accidental or unnatural deathPolice papers, and post-mortem report where applicable
Medical/natural deathMedical records, attending physician evidence and hospital admission/discharge records
No nominee recordedLegal-succession/probate or other proof of claimant entitlement where required
Further evidenceInsurer may request additional case-specific documents
Payment after approvalApproved claim paid by to registered nominee; legal heirs paid after entitlement verification where applicable
  • The booklet's term-life policy lists these procedures and exclusions, but its validity ended 2 May 2026 subject to renewal. Confirm renewed cover, policy wording and claim instructions with / before use.
Life Insurance Corporation of India — group term-life policy schedule · Physical pages 38–39 — claims procedure and documents · accessed 13 Sept 2026Open official source ↗
Table 37 · 12 rows · 2 columnsbob CGESP — current page terms and policy identifiersCurrent-page facts that supersede stale policy-date assumptions while retaining the older booklet tables separately.View tableHide table

Scroll sideways to view every column

bob CGESP — current page terms and policy identifiers
TopicCurrent published detail
EligibilityPermanent, confirmed and regular Central Government employees and subordinate/attached offices; age 18–60. Existing holders may continue to age 70 when pension is credited to the same account.
Minimum balanceZero balance requirement.
Salary creditAt least one salary credit is required before benefits; three consecutive months without salary may lapse benefits and allow transfer to a non-salary scheme.
InsuranceFree personal-accident cover up to ₹1.5 crore, additional air-accident coverage and free term-life cover up to ₹15 lakh, subject to conditions.
Current insurer policyNational Insurance Company Ltd; policy 340100422610000041; effective 12 August 2026 through 11 August 2027.
OverdraftIn-built overdraft up to ₹3 lakh after salary credit; detailed group caps and timing remain in the linked package booklet.
TransactionsUnlimited free ///, / and debit/credit transactions as published.
CardsLifetime-free credit card; debit-card group benefits subject to and card-variant guidelines.
Optional coversAdditional group term-life and health insurance may be offered to willing employees at their own cost, subject to insurer terms.
ClaimsClaim documents must be submitted within 180 days from accident to the bank; settlement is between claimant and insurer.
DocumentsSavings-account documents, salary slip/appointment letter and declaration accepting scheme terms.
ImageOfficial hero image was exposed by the page but returned a cache miss during this review; no unverified substitute is used.
  • The 2026-08-12 to 2027-08-11 policy period on the current page supersedes the older booklet’s expired dates for current cover. Historical optional premium/benefit tables remain sourced to the booklet and are not silently treated as current universal offers.
bob — current official page · Benefits; Features; Eligibility; Terms & Conditions; Insurance Details · effective 12 Aug 2026 · accessed 29 Sept 2026Open official source ↗

More from Bank of Baroda

Related products

bob ADVANTAGE Current Account

A standard location-tiered current account with 50 free cheque leaves, five free monthly cash withdrawals and a first-year-free business debit card.

View product

bob Advantage Saving Account

A standard savings account with branch-category monthly balance requirements, no published non-maintenance charge and daily interest calculation with quarterly credit.

View product

bob Bank Mitra Bachat Khata

A no-minimum-balance -point savings account whose current Features tab also describes an optional overdraft secured by a linked term deposit.

View product

bob BRO Saving Account

A zero-balance student savings account for resident students aged 16–25, with a lifetime-free RuPay Platinum debit card, unlimited free cheque books and an optional sweep facility.

View product