Key facts
What the official sources publish
Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.
Minimum quarterly average balance₹0View source
The page describes a lifetime zero-balance account and lists zero and zero non-maintenance charge.
- Source
- bob LITE Savings Account
- Page / section
- Benefits and Features
- Accessed
- 13 Aug 2026
- Confidence
- high
Free debit-card QABRuPay Platinum debit card is free when QAB is at least ₹3,000 in metro/
The applicable threshold depends on branch category; the page directs customers to the latest service-charge schedule when the threshold is not maintained.
- Source
- bob LITE Savings Account
- Page / section
- Features — Debit Card Variant and Issuance / Renewal Charges
- Accessed
- 13 Aug 2026
- Confidence
- high
Free cheque leaves30 per financial yearView source
Additional leaves are charged under the bank's latest service-charge schedule.
- Source
- bob LITE Savings Account
- Page / section
- Features — Cheque books
- Accessed
- 13 Aug 2026
- Confidence
- high
Maximum balance for minors aged 10–14₹1 lakhView source
The general account has no ceiling, but this limit applies to accounts of minors aged between 10 and 14.
- Source
- bob LITE Savings Account
- Page / section
- Features — Maximum Balance in Account
- Accessed
- 13 Aug 2026
- Confidence
- high
Interest calculation and creditCalculated daily and credited quarterlyView source
The current interest rate is published separately on the bank's deposit-interest page.
- Source
- bob LITE Savings Account
- Page / section
- Features — Interest Calculation and Payment
- Accessed
- 13 Aug 2026
- Confidence
- high
Savings interest rate2.50% p.a. up to ₹50 crore; 2.75% from ₹50 crore to below ₹500 crore; 3.50% from ₹500 crore to below ₹1,000 crore; 4.50% from ₹1,000 crore to below ₹2,000 crore; 4.75% from ₹2,000 crore and above.Effective 22 Aug 2025View source
The bank publishes the same -deposit slab table for savings balances, with rates from 2.50% to 4.75% p.a.
- Source
- Savings Bank Deposits
- Page / section
- Slab-wise revised rate of interest on deposits
- Accessed
- 21 Aug 2026
- Confidence
- high
Minimum-balance shortfall chargeNo charge for non-maintenance of minimum balance under savings-bank schemes; premium savings schemes are excluded from this waiver.Effective 1 Jul 2025View source
The service-charge page states zero charges on non-maintenance of minimum balance for all savings-bank schemes, excluding premium savings accounts.
- Source
- Service Charges
- Page / section
- Savings-bank minimum-balance charges
- Accessed
- 21 Aug 2026
- Confidence
- high
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
ATM / cash-machine limitsAt cash machines, debit-card cash deposits are allowed up to ₹2,00,000 per day when PAN is registered and ₹49,999 per day when it is not; cardless account-number transactions are allowed up to ₹20,000 per day. The page does not publish a separate ATM cash-withdrawal ceiling for bob LITE.View source
The publishes cash-machine deposit and cardless limits; it does not print an account-specific cash-withdrawal limit, so no debit-card variant limit is inferred.
- Source
- bob LITE Savings Account
- Page / section
- — At Cash Machines; Debit card and Charges
- Accessed
- 6 Sept 2026
- Confidence
- high
Account typeSavings accountView source
The manually reviewed product name/benefits state: “Savings account”.
- Source
- bob LITE Savings Account — official product page
- Page / section
- Published account type and access benefits
- Accessed
- 13 Aug 2026
- Confidence
- high
Debit cardConditional free RuPay Platinum debit cardView source
The manually reviewed product name/benefits state: “Conditional free RuPay Platinum debit card”.
- Source
- bob LITE Savings Account — official product page
- Page / section
- Published account type and access benefits
- Accessed
- 13 Aug 2026
- Confidence
- high
Cheque book30 free cheque leaves per financial yearView source
The manually reviewed product name/benefits state: “30 free cheque leaves per financial year”.
- Source
- bob LITE Savings Account — official product page
- Page / section
- Published account type and access benefits
- Accessed
- 13 Aug 2026
- Confidence
- high
Benefits and features
- No minimum-balance charge
- Conditional free RuPay Platinum debit card
- 30 free cheque leaves per financial year
- Sweep facility available on written request
Eligibility
- Open to resident individuals, including eligible minors above age 10 who can independently read and write.
- Only a new account may be opened under this scheme; conversion from another scheme into bob LITE is not allowed.
- The free debit card depends on maintaining the branch-category threshold.
Passing a listed condition does not mean the bank will approve an application.
Related official documents
Bank of Baroda account pages and account service-charge scheduleofficial-product-pages-and-schedule · current · accessed 29 Aug 2026
↗bob LITE Savings Account — current official product pageofficial-product-page · current · accessed 6 Sept 2026
↗Bank of Baroda non-salary current, savings and scheme accountsofficial-product-pages · current · accessed 29 Aug 2026
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