Savings, current & salary accounts

bob Government Employee Salary Account (Salary Solutions for Central/State Govt. employees)

Bank of Baroda offers salary solutions for central & state government employees with a range of attractive benefits. Enjoy a seamless process for drawing your salary & managing your finances.

Interest rateThe page does not publish a separate government-salary rate. The account is a savings account and the applicable percentage is the live Bank of Baroda Savings Bank Deposits schedule by balance slab.Minimum balanceZero-balance account for the salary scheme; a complementary zero-balance spouse account is also listed.Salary requirementSalary must be regularly credited; benefits lapse after three consecutive months without salary credit and the account may be transferred to a non-salaried scheme.

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✓ Manually checked 30 Aug 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 typeGovernment Employee Salary Account (SB-182) for Central/State Government, PSU, local-body and government-majority-company employees.View source

The official page describes an all-rounder government employee salary account with free debit card, cheque book, transfers and spouse zero-balance account.

Source: bob Government Employee Salary Account
Page / section: Overview / Benefits
Accessed: 21 Aug 2026
Confidence: high

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Minimum balanceZero-balance account for the salary scheme; a complementary zero-balance spouse account is also listed.View source

The page lists a complementary zero-balance account for the spouse and the salary-account range is described by Bank of Baroda as zero-balance.

Source: bob Government Employee Salary Account
Page / section: Benefits / Salary-account structure
Accessed: 21 Aug 2026
Confidence: high

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Salary requirementSalary must be regularly credited; benefits lapse after three consecutive months without salary credit and the account may be transferred to a non-salaried scheme.View source

The product page states that salary-account benefits depend on regular salary credit and can lapse after three months without credit.

Source: bob Government Employee Salary Account
Page / section: Features / Terms
Accessed: 21 Aug 2026
Confidence: high

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EligibilityServing permanent, confirmed and regular Central or State Government employees, PSU employees, local-body employees and employees of companies with major government holding; age 18–60.View source

The eligibility section lists the covered government and government-linked employers and age 18–60.

Source: bob Government Employee Salary Account
Page / section: Eligibility
Accessed: 21 Aug 2026
Confidence: high

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Debit cardFree debit card for lifetime as per salary structure; the issued variant and its detailed limits follow the applicable salary-package/card terms.View source

The page lists a free debit card for lifetime as per salary structure.

Source: bob Government Employee Salary Account
Page / section: Benefits — Free Debit Card for lifetime
Accessed: 29 Aug 2026
Confidence: high

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The salary page identifies a savings account and does not state a special rate; the live schedule is the controlling published rate.

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 separate non-maintenance amount is published for the government salary package; the account is operated as a salary-package savings account and the current BOB savings-bank service schedule states zero charges for non-maintenance.Effective 1 Jul 2025View source

The service schedule states zero charges for non-maintenance on savings-bank schemes; the salary page supplies the package context.

Source: Bank of Baroda Service Charges
Page / section: Notice to customers — savings-bank minimum-balance charges
Accessed: 29 Aug 2026
Confidence: high

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FFD scheme parametersScheme SB182 (bob GOVERNMENT EMPLOYEES SALARY ACCOUNT): default FFD 181 days; sweep out above ₹2,00,000; sweep-out multiple ₹10,000; sweep-in multiple ₹1,000.Effective 25 Mar 2026View source

row SB182 lists 181 days, ₹2,00,000 threshold, ₹10,000 sweep-out and ₹1,000 sweep-in multiples.

Source: Schemes for Website — official Bank of Baroda
Page / section: Page 1, row 14
Accessed: 29 Aug 2026
Confidence: high

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Personal and air-accident insurance coverThe published cover table provides personal-accident insurance (PAI + permanent partial/total disability) and equal air-accident cover by gross salary band: up to ₹40 lakh each for salary up to ₹50,000; up to ₹40 lakh each for above ₹50,000 to ₹1 lakh; up to ₹50 lakh each for above ₹1 lakh to ₹2 lakh; and up to ₹60 lakh each for above ₹2 lakh. Total accident cover is therefore up to ₹80 lakh, ₹80 lakh, ₹1 crore and ₹1.2 crore respectively. PAI is capped at 10 times gross annual income and air cover follows the eligible PAI limit, subject to the stated maximums.View source

The official Insurance Details table publishes //, air-accident and total cover limits for four gross-salary bands and states that is available up to 10 times gross annual income, subject to the stated maximums.

Source: bob Government Employee Salary Account
Page / section: Insurance Details — gross salary band table
Accessed: 29 Aug 2026
Confidence: high

Open official source ↗

Cheque bookUnlimited free cheque book.View source

The Benefits section lists Unlimited Free Cheque Book for the government employee salary account.

Source: bob Government Employee Salary Account
Page / section: Benefits / Features
Accessed: 29 Aug 2026
Confidence: high

Open official source ↗

ATM and account transactionsThe salary-account family publishes unlimited ATM withdrawals with no issuance or annual charges; the government-employee page separately lists unlimited free debit and credit transactions.View source

The page lists Unlimited Free Transactions (Debit and Credit); the Bank of Baroda salary-account family states no issuance or annual charges and unlimited withdrawals for salary accounts.

Source: Bank of Baroda Salary Accounts
Page / section: — Are there any charges for using with a salary account?; government-employee Features
Accessed: 29 Aug 2026
Confidence: high

Open official source ↗

Eligibility

Serving permanent, confirmed and regular Central or State Government employees, employees, local-body employees and employees of companies with major government holding
age 18–60.

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

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Account interest estimate

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

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

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

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

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

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.

TableOutstanding balance

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

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Bank of Baroda Savings Bank Deposit rate slabs used by salary packages
Outstanding balance	Rate (% p.a.)
Up to ₹1,00,000	2.50%
Above ₹1,00,000 to below ₹50,00,000	2.50%
₹50,00,000 to below ₹10,00,00,000	2.50%
₹10,00,00,000 to below ₹50,00,00,000	2.50%
₹50,00,00,000 to below ₹1,00,00,00,000	2.75%
₹1,00,00,00,000 to below ₹2,00,00,00,000	2.75%
₹2,00,00,00,000 to below ₹5,00,00,00,000	2.75%
₹5,00,00,00,000 to below ₹10,00,00,00,000	3.50%
₹10,00,00,00,000 to below ₹20,00,00,00,000	4.50%
₹20,00,00,00,000 and above	4.75%

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 · 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

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Bank of Baroda FFD scheme parameters — complete PDF table
Scheme code	Scheme name	Default period	Sweep out when balance above	Sweep out in multiples	Sweep in multiple
SB114	bob ADVANTAGE SB_PEN	180 days	₹3,000	₹1,000	₹1,000
SB117	bob SUPER SAVINGS	181 days	₹50,000	₹10,000	₹1,000
SB129	bob GOVT BODIES SAVINGS ACCOUNT	180 days	₹5,00,000	₹50,000	₹50,000
SB134	bob JEEVAN SURAKSHA	180 days	₹5,000	₹5,000	₹1,000
SB156	bob CHAMP ACCOUNT	180 days	₹5,000	₹5,000	₹5,000
SB171	bob Platinum Savings Account	181 days	₹2,00,000	₹10,000	₹1,000
SB174	bob SALARY CLASSIC	181 days	₹1,00,000	₹10,000	₹1,000
SB175	bob SALARY SUPER	181 days	₹1,00,000	₹10,000	₹1,000
SB176	bob SALARY PREMIUM	181 days	₹2,00,000	₹10,000	₹1,000
SB177	bob SALARY PRIVILEGE	181 days	₹2,00,000	₹10,000	₹1,000
SB179	bob EXPAT ACCOUNT	181 days	₹1,00,000	₹10,000	₹1,000
SB180	bob SENIOR CITIZEN PRIVILEGE ACCOUNT	181 days	₹50,000	₹10,000	₹1,000
SB181	bob WOMENS ADVANTAGE ACCOUNT	181 days	₹50,000	₹10,000	₹1,000
SB182	bob GOVERNMENT EMPLOYEES SALARY ACCOUNT	181 days	₹2,00,000	₹10,000	₹1,000
SB197	bob Account	181 days	₹25,000	₹5,000	₹5,000
CA107	bob PREMIUM PRIVELEGE	30 days	₹5,00,000	₹25,000	₹1,000
CA108	bob PREMIUM CURRENT AC	30 days	₹5,00,000	₹25,000	₹1,000
CA132	bob GOVT BODIES CURRENT ACCOUNT	180 days	₹5,00,000	₹50,000	₹50,000
CA141	bob Women Power Current A/c	15 days	₹2,00,000	₹50,000	₹50,000
CA142	bob Smart Current A/c	15 days	₹2,00,000	₹50,000	₹50,000
CA143	bob Gold Current Account	15 days	₹10,00,000	₹1,00,000	₹1,00,000
CA144	bob Platinum Current Account	15 days	₹20,00,000	₹1,00,000	₹1,00,000
CA145	bob Rhodium Current Account	15 days	₹50,00,000	₹1,00,000	₹1,00,000
CA146	bob Diamond Current Account	15 days	₹1,00,00,000	₹1,00,000	₹1,00,000
SB208	bob Salary Account	12 months	₹50,000	₹10,000	₹1,000
SB209	bob Powerpack Account	12 months	₹3,00,000	₹10,000	₹1,000
SB116	bob Masterstroke Account	181 days	₹20,00,000	₹25,000	₹25,000
SB216	bob Masterstroke Account ()	12 months	₹20,00,000	₹25,000	₹25,000
SB316	bob Masterstroke Account ()	181 days	₹20,00,000	₹25,000	₹25,000
SB105	bob SAPPHIRE WOMEN ACCOUNT	181 days	₹2,00,000	₹25,000	₹10,000
SB140	bob Masterstroke Lite Account	181 days	₹10,00,000	₹25,000	₹10,000
SB240	bob Masterstroke Lite Account	12 months	₹10,00,001	₹25,000	₹10,000
SB340	bob Masterstroke Lite Account	181 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 ↗

Table 3 · 4 rows · 4 columnsbob Government Employee Salary Account — published insurance cover by salary bandThe complete Insurance Details table from the official Bank of Baroda government-employee salary page.View tableHide table

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bob Government Employee Salary Account — published insurance cover by salary band
Gross monthly salary band	Personal accident cover ( + + )	Air accident cover	Total accident cover
Up to ₹50,000	Up to ₹40 lakh	Up to ₹40 lakh	Up to ₹80 lakh
Above ₹50,000 to ₹1 lakh	Up to ₹40 lakh	Up to ₹40 lakh	Up to ₹80 lakh
Above ₹1 lakh to ₹2 lakh	Up to ₹50 lakh	Up to ₹50 lakh	Up to ₹1 crore
More than ₹2 lakh	Up to ₹60 lakh	Up to ₹60 lakh	Up to ₹1.2 crore

cover is stated to be available up to 10 times gross annual income; air-accident cover follows the eligible limit, subject to the maximums in the table.
means personal accidental insurance; and mean permanent partial and permanent total disability.

bob Government Employee Salary Account · Insurance Details — gross salary band table · accessed 29 Aug 2026Open official source ↗

bob Government Employee Salary Account (Salary Solutions for Central/State Govt. employees)

What the official sources publish

Eligibility

Related official documents

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Account interest estimate

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