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Savings, current & salary accounts

bob GOLD Current Account

A high-balance business current account with unlimited cheque leaves, digital transfers, soundbox/ benefits and an optional weekly sweep.

Interest rateNo 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.Monthly average balance₹5 lakhSalary requirementNot applicable — the reviewed product is not a salary-account variant and its official eligibility/features do not require salary credit or a minimum salary.
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Quick eligibility check

bob GOLD Current Account

0 of 2 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.

1Does your age meet this requirement: Available to eligible individuals aged 14 or above and permitted business or institutional entities?

2Document checkDo you have this required document or proof: Applicable current-account KYC and entity documents?

0 of 2 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 13 Aug 2026 · active
bob GOLD Current Account official artwork
Offered byBank of Baroda

Bank of Baroda branches in India

Key facts

What the official sources publish

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

Monthly average balance₹5 lakhView source
The published non-maintenance charge is ₹1,000.
Source
bob GOLD Current Account
Page / section
Features and
Accessed
13 Aug 2026
Confidence
high
Open official source ↗
Sweep parameters₹10 lakh threshold; first ₹1 lakh swept at ₹11 lakh; 15-day tenureView source
Sweep is weekly on Monday and reverse sweep follows in ₹1 lakh units.
Source
bob GOLD Current Account
Page / section
— Auto Sweep
Accessed
13 Aug 2026
Confidence
high
Open official source ↗
bob GOLD current-account balanceMonthly average balance requirement is ₹5 lakh. Non-maintenance charge is ₹1,000. Cash deposits are free up to ₹50 lakh at any branch, with a 10,000-note limit.View source
The official Fees & Charges table publishes , non-maintenance, cash-deposit and note limits.
Source
bob GOLD Current Account
Page / section
Fees & Charges
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
bob GOLD free servicesThe account includes 2 free POS/MPOS terminals, 10 free Soundbox QR units, unlimited cheque leaves, free NEFT/RTGS/IMPS/UPI, free SMS/email/monthly statement and a free VISA Vyapaar DI debit card. POS and Soundbox monthly rentals can be fully waived subject to the stated transaction thresholds.View source
The official Benefits and Features sections list included terminals, cheque, transfer, alert and debit-card services.
Source
bob GOLD Current Account
Page / section
Benefits / Features
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
bob GOLD transaction limitsFree cash withdrawals at base, local non-base and outstation branches are available for 10 transactions per month; further transactions cost ₹150 each. Immediate credit of outstation cheques is limited to ₹1.5 lakh. Closure within one year costs ₹800 plus GST.View source
The official Fees & Charges table publishes withdrawal, cheque-credit and closure limits.
Source
bob GOLD Current Account
Page / section
Fees & Charges
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
Salary requirementNot applicable — the reviewed product is not a salary-account variant and its official eligibility/features do not require salary credit or a minimum salary.View source
The reviewed account catalogue and linked product pages classify these variants as current, savings, inclusion, pensioner or locker products and do not state a salary-credit requirement.
Source
Bank of Baroda account catalogue — non-salary variants
Page / section
Account categories and linked product eligibility
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
Cash withdrawal limit10 free cash-withdrawal transactions per month at base, local non-base and outstation branches (excluding ATM withdrawals); further branch withdrawals cost ₹150 each.View source
The Gold page publishes ten free branch cash withdrawals per month and ₹150 for subsequent transactions, expressly excluding withdrawals.
Source
bob GOLD Current Account
Page / section
Fees & Charges — Withdrawal(s)
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
Debit cardVISA Vyapaar DI debit card; issuance and renewal charges are nil.View source
The Gold page names the Vyapaar DI debit card and states that issuance and renewal charges are nil.
Source
bob GOLD Current Account
Page / section
Features — Debit card
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
Non-maintenance charge₹1,000 when the published ₹5 lakh monthly average balance is not maintained.View source
The Gold account facts and fee section publish ₹5 lakh and ₹1,000 non-maintenance charge.
Source
bob GOLD Current Account
Page / section
Fees & Charges — Minimum balance / non-maintenance
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
Interest rateNo 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.View source
The checked current-account pages publish no interest on the current-account balance, with a deceased-account settlement exception; their sweep sections separately refer to term-deposit interest.
Source
Bank of Baroda current-account — interest payment
Page / section
Most Important Terms and Conditions — Interest Payment
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
FFD scheme parametersScheme CA143 (bob Gold Current Account): default FFD 15 days; sweep out above ₹10,00,000; sweep-out and sweep-in multiples ₹1,00,000.Effective 25 Mar 2026View source
row CA143 lists 15 days, ₹10,00,000 threshold and ₹1,00,000 for both sweep multiples.
Source
Schemes for Website — official Bank of Baroda
Page / section
Page 1, row 21
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
Account typeCurrent accountView source
The manually reviewed product name/benefits state: “Current account”.
Source
bob GOLD Current Account — official product page
Page / section
Published account type and access benefits
Accessed
13 Aug 2026
Confidence
high
Open official source ↗
Cheque bookUnlimited cheque leavesView source
The manually reviewed product name/benefits state: “Unlimited cheque leaves”.
Source
bob GOLD Current Account — official product page
Page / section
Published account type and access benefits
Accessed
13 Aug 2026
Confidence
high
Open official source ↗

Benefits and features

  • Unlimited cheque leaves
  • 10 soundboxes and 2 / devices under published conditions
  • Free online transfers
  • Overdraft eligibility up to ₹25 lakh

Eligibility

  • Available to eligible individuals aged 14 or above and permitted business or institutional entities.

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

Documents the bank lists

  • Applicable current-account and entity documents

Related official documents

Bank of Baroda current-account MITC — interest paymentofficial-product-pages · current · accessed 29 Aug 2026
↗
Bank of Baroda current-account variant pages — published facilities and chargesofficial-product-pages · current · accessed 29 Aug 2026
↗
FFD Schemes for Website — official Bank of Baroda PDFofficial-document · current · accessed 29 Aug 2026
↗
Bank of Baroda non-salary current, savings and scheme accountsofficial-product-pages · current · accessed 29 Aug 2026
↗

Plan before applying

Try the numbers

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Account interest estimate

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

Interest you may earn₹2,700two thousand seven hundred rupees
Balance including interest₹1,02,700one lakh two thousand seven hundred rupees

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

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.

GOLD · Published facilityBranch cash withdrawals

This value is copied from Published current-account facilities and charges. Check the table notes before relying on it.

Source: Bank of Baroda current-account variant pages — published facilities and charges · Benefits, Fees & Charges and Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 8 rows · 3 columnsPublished current-account facilities and chargesCanonical comparison fields promoted from the checked Bank of Baroda variant pages.View tableHide table

Scroll sideways to view every column

Published current-account facilities and charges
VariantPublished facilityPublished detail
GOLDBranch cash withdrawals10 free per month, excluding ; ₹150 thereafter
LITEBranch cash withdrawals5 free per month, excluding ; ₹150 thereafter
PLATINUMDebit cardFree Vyapaar DI for eligible individual/proprietor accounts
RHODIUMDebit cardFree Vyapaar DI; issuance and renewal nil
SMARTBranch cash withdrawals5 free per month, excluding ; ₹150 thereafter
SUPREMEDebit cardFree Vyapaar Business Debit Card for eligible individual/proprietor accounts
WOMEN POWERBranch cash withdrawals5 free per month, excluding ; ₹150 thereafter
FAMILY SEGMENTProduct Silver ₹2 lakh; Gold ₹5 lakh; Diamond ₹10 lakh; cheque-book waiver 25%/50%/100%
  • Branch withdrawal limits are not limits; the wording is retained to avoid conflating the two channels.
  • All amounts and waivers are subject to the page's terms and applicable taxes where stated.
Bank of Baroda current-account variant pages — published facilities and charges · Benefits, Fees & Charges and · accessed 29 Aug 2026Open official source ↗
Table 2 · 4 rows · 3 columnsCurrent-account interest paymentInterest treatment repeated in the checked Bank of Baroda current-account MITCs.View tableHide table

Scroll sideways to view every column

Current-account interest payment
VariantCurrent-account balanceException / separate sweep treatment
ADVANTAGE / / OTHER BANKSNo interest payableSavings-bank interest only from death until settlement; sweep deposits use term-deposit rate
DIAMOND / PREMIUM / STARTUP / SCALE-UPNo interest payableSame current-account rule
GOLD / LITE / PLATINUM / RHODIUMNo interest payableSame current-account rule
SMART / SUPREME / WOMEN POWERNo interest payableSame current-account rule
  • The zero applies to the current-account balance, not to a separate sweep/term deposit.
Bank of Baroda current-account — interest payment · Most Important Terms and Conditions — Interest Payment · accessed 29 Aug 2026Open official source ↗
Table 3 · 33 rows · 6 columnsBank of Baroda FFD scheme parameters — complete PDF tableEvery row and column from the two-page official FFD Schemes PDF, including savings, current, NRE salary and named premium schemes.View tableHide table

Scroll sideways to view every column

Bank of Baroda FFD scheme parameters — complete PDF table
Scheme codeScheme nameDefault periodSweep out when balance aboveSweep out in multiplesSweep in multiple
SB114bob ADVANTAGE SB_PEN180 days₹3,000₹1,000₹1,000
SB117bob SUPER SAVINGS181 days₹50,000₹10,000₹1,000
SB129bob GOVT BODIES SAVINGS ACCOUNT180 days₹5,00,000₹50,000₹50,000
SB134bob JEEVAN SURAKSHA 180 days₹5,000₹5,000₹1,000
SB156bob CHAMP ACCOUNT180 days₹5,000₹5,000₹5,000
SB171bob Platinum Savings Account181 days₹2,00,000₹10,000₹1,000
SB174bob SALARY CLASSIC181 days₹1,00,000₹10,000₹1,000
SB175bob SALARY SUPER181 days₹1,00,000₹10,000₹1,000
SB176bob SALARY PREMIUM181 days₹2,00,000₹10,000₹1,000
SB177bob SALARY PRIVILEGE181 days₹2,00,000₹10,000₹1,000
SB179bob EXPAT ACCOUNT181 days₹1,00,000₹10,000₹1,000
SB180bob SENIOR CITIZEN PRIVILEGE ACCOUNT181 days₹50,000₹10,000₹1,000
SB181bob WOMENS ADVANTAGE ACCOUNT181 days₹50,000₹10,000₹1,000
SB182bob GOVERNMENT EMPLOYEES SALARY ACCOUNT181 days₹2,00,000₹10,000₹1,000
SB197bob Account181 days₹25,000₹5,000₹5,000
CA107bob PREMIUM PRIVELEGE 30 days₹5,00,000₹25,000₹1,000
CA108bob PREMIUM CURRENT AC30 days₹5,00,000₹25,000₹1,000
CA132bob GOVT BODIES CURRENT ACCOUNT180 days₹5,00,000₹50,000₹50,000
CA141bob Women Power Current A/c15 days₹2,00,000₹50,000₹50,000
CA142bob Smart Current A/c15 days₹2,00,000₹50,000₹50,000
CA143bob Gold Current Account15 days₹10,00,000₹1,00,000₹1,00,000
CA144bob Platinum Current Account15 days₹20,00,000₹1,00,000₹1,00,000
CA145bob Rhodium Current Account15 days₹50,00,000₹1,00,000₹1,00,000
CA146bob Diamond Current Account15 days₹1,00,00,000₹1,00,000₹1,00,000
SB208bob Salary Account12 months₹50,000₹10,000₹1,000
SB209bob Powerpack Account12 months₹3,00,000₹10,000₹1,000
SB116bob Masterstroke Account181 days₹20,00,000₹25,000₹25,000
SB216bob Masterstroke Account ()12 months₹20,00,000₹25,000₹25,000
SB316bob Masterstroke Account ()181 days₹20,00,000₹25,000₹25,000
SB105bob SAPPHIRE WOMEN ACCOUNT181 days₹2,00,000₹25,000₹10,000
SB140bob Masterstroke Lite Account181 days₹10,00,000₹25,000₹10,000
SB240bob Masterstroke Lite Account12 months₹10,00,001₹25,000₹10,000
SB340bob Masterstroke Lite Account181 days₹10,00,002₹25,000₹10,000
  • Rows for schemes without a matching canonical product are preserved in the complete source table but are not assigned to another product by inference. The source was created 25 March 2026.
  • The Flexi Fixed Deposit page says scheme parameters are predefined by account scheme and links this .
Schemes for Website — official Bank of Baroda · Pages 1–2, complete table · effective 25 Mar 2026 · accessed 29 Aug 2026Open official source ↗

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