Savings, current & salary accounts

bob Masterstroke LITE Saving Bank Account

A premium savings relationship requiring ₹5 lakh , or ₹2.5 lakh plus ₹5 lakh in term deposits, with a fee-waived Platinum debit card and conditional sweep, travel and loan benefits.

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Quick eligibility check

bob Masterstroke LITE Saving Bank Account

0 of 3 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: The official feature table lists eligibility for all customers including NRIs?

2Do you meet this requirement: Linked-card and partner benefits remain subject to current issuer, spend, insurance and partner conditions?

3Do you meet this requirement: Shortfall charges depend on both savings MAB and linked term-deposit balance?

0 of 3 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 21 Aug 2026 · active
bob Masterstroke LITE Saving Bank Account official product artwork
Offered byBank of Baroda

All Bank of Baroda branches and supported account-opening channels; resident and eligible customers

Key facts

What the official sources publish

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

AMB / AQB / minimum balance₹5,00,000 MAB, or ₹2,50,000 savings-account MAB plus ₹5,00,000 in term deposits.Effective 7 May 2026View source
The official comparison table lists ₹5,00,000 or the alternate ₹2,50,000 savings balance plus ₹5,00,000 term deposits for bob Masterstroke LITE.
Source
Comparison of Premium Savings Bank Products
Page / section
Page 1 — row 3, — bob Masterstroke LITE
Accessed
28 Aug 2026
Confidence
high
Open official source ↗
MAB shortfall charge6% of actual monthly shortfall; ₹150–₹750 when MAB is below ₹2.5 lakh, or ₹100–₹500 when MAB is ₹2.5–₹5 lakh and linked term deposits are below ₹5 lakhView source
The charge band depends on both the savings and, for the middle band, the linked term-deposit balance.
Source
bob Masterstroke LITE Saving Bank Account
Page / section
Features — Charges for Non-Maintenance of
Accessed
13 Aug 2026
Confidence
high
Open official source ↗
Forex-markup reduction1 percentage point reduction from the standard markupEffective 7 May 2026View source
The clarifies that 1% is a reduction from the standard markup, not a final 1% markup.
Source
Bank of Baroda Comparison of Premium Savings Bank Products
Page / section
Page 3 — Forex mark up, bob Masterstroke LITE
Accessed
13 Aug 2026
Confidence
high
Open official source ↗
Sweep parameters₹10 lakh threshold; 181-day deposit; ₹25,000 sweep-out and ₹10,000 sweep-in multiplesView source
Sweep is allowed; the threshold, deposit period and transfer multiples are separately published in the feature table.
Source
bob Masterstroke LITE Saving Bank Account
Page / section
Features — Sweep facility
Accessed
13 Aug 2026
Confidence
high
Open official source ↗
Conditional retail-loan rate concessionUp to 0.10%View source
The concession is for eligible new 4-wheeler, home, mortgage, personal or education loans and cannot reduce the rate below the bank's minimum.
Source
bob Masterstroke LITE Saving Bank Account
Page / section
Features — Retail loan concession
Accessed
13 Aug 2026
Confidence
high
Open official source ↗
Flexi fixed-deposit default tenure181 daysEffective 25 Mar 2026View source
The rendered official schedule lists this account's default period.
Source
Schemes for Website
Page / section
Page 1 - scheme sweep table
Accessed
21 Aug 2026
Confidence
high
Open official source ↗
Flexi fixed-deposit sweep-out threshold₹10 lakhEffective 25 Mar 2026View source
The rendered official schedule lists the balance above which funds sweep out.
Source
Schemes for Website
Page / section
Page 1 - scheme sweep table
Accessed
21 Aug 2026
Confidence
high
Open official source ↗
Flexi fixed-deposit sweep-out multiple₹25,000Effective 25 Mar 2026View source
The rendered official schedule lists the sweep-out multiple.
Source
Schemes for Website
Page / section
Page 1 - scheme sweep table
Accessed
21 Aug 2026
Confidence
high
Open official source ↗
Flexi fixed-deposit sweep-in multiple₹10,000Effective 25 Mar 2026View source
The rendered official schedule lists the sweep-in multiple.
Source
Schemes for Website
Page / section
Page 1 - scheme sweep table
Accessed
21 Aug 2026
Confidence
high
Open official source ↗
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
Open official source ↗
Debit cardEMT Platinum debit card; the account scheme provides a 100% fee waiver.Effective 7 May 2026View source
The source rows name the Platinum card and state a 100% issuance and renewal-fee waiver for bob Masterstroke LITE.
Source
Comparison of Premium Savings Bank Products
Page / section
Page 2 — rows 20–22, Debit Card fees — bob Masterstroke LITE
Accessed
28 Aug 2026
Confidence
high
Open official source ↗
ATM limitsBank of Baroda ATMs: 5 free financial and non-financial transactions each month; thereafter ₹10 per financial and ₹5 per non-financial transaction. Other-bank ATMs: 3 free transactions in metro locations or 5 in non-metro locations; thereafter ₹23 per financial and ₹11 per non-financial transaction.Effective 7 May 2026View source
Rows 23 and 24 publish the free on-us/off-us transaction counts and excess-transaction charges for bob Masterstroke LITE.
Source
Comparison of Premium Savings Bank Products
Page / section
Page 2 — rows 23–24, transactions — bob Masterstroke LITE
Accessed
28 Aug 2026
Confidence
high
Open official source ↗
Cheque bookUnlimited cheque leaves are free.Effective 7 May 2026View source
The official row states unlimited free cheque leaves for bob Masterstroke LITE.
Source
Comparison of Premium Savings Bank Products
Page / section
Page 2 — row 25, Cheque book — bob Masterstroke LITE
Accessed
28 Aug 2026
Confidence
high
Open official source ↗
Non-maintenance chargeIf MAB is below ₹2.5 lakh: 6% of shortfall from ₹5 lakh, ₹150–₹750. If MAB is ₹2.5–₹5 lakh and linked term deposits are below ₹5 lakh: 6% of shortfall, ₹100–₹500. No charge when the alternate MAB and term-deposit condition is met or MAB is at least ₹5 lakh.Effective 7 May 2026View source
The source row publishes separate shortfall bands and the linked-term-deposit condition for zero charge for bob Masterstroke LITE.
Source
Comparison of Premium Savings Bank Products
Page / section
Page 3 — row 40, Charges — bob Masterstroke LITE
Accessed
28 Aug 2026
Confidence
high
Open official source ↗
Salary requirementNo minimum salary or annual-income threshold is published. Eligibility is based on the premium-account customer segment and the published MAB ₹5,00,000 (or the linked-term-deposit alternative).View source
The Masterstroke LITE page and comparison schedule publish the /linked-term-deposit condition, not a salary or annual-income threshold.
Source
bob Masterstroke LITE Saving Bank Account — official eligibility page
Page / section
Eligibility / Features /
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
FFD scheme parametersScheme SB140 (bob Masterstroke Lite SB Account): default FFD 181 days; sweep out above ₹10,00,000; sweep-out multiple ₹25,000; sweep-in multiple ₹10,000.Effective 25 Mar 2026View source
row SB140 lists 181 days, ₹10,00,000 threshold, ₹25,000 sweep-out and ₹10,000 sweep-in multiples.
Source
Schemes for Website — official Bank of Baroda
Page / section
Page 2, row 31
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
Account typeSavings accountView source
The manually reviewed product name/benefits state: “Savings account”.
Source
bob Masterstroke LITE Saving Bank Account — official product page
Page / section
Published account type and access benefits
Accessed
21 Aug 2026
Confidence
high
Open official source ↗

Benefits and features

  • Fee-waived Platinum debit card
  • Unlimited published cheque, transfer and transaction benefits
  • Written-request sweep facility
  • Conditional travel, entertainment, insurance and loan benefits

Eligibility

  • The official feature table lists eligibility for all customers including .
  • Linked-card and partner benefits remain subject to current issuer, spend, insurance and partner conditions.
  • Shortfall charges depend on both savings and linked term-deposit balance.

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

Related official documents

Comparison of Premium Savings Bank Productsofficial-pdf-comparison-table · current · accessed 28 Aug 2026
↗
Bank of Baroda premium savings — eligibility and salary requirement reviewofficial-product-pages-and-comparison-pdf · current · accessed 29 Aug 2026
↗
FFD Schemes for Website — official Bank of Baroda PDFofficial-document · current · accessed 29 Aug 2026
↗

Plan before applying

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Account interest estimate

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

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.

This value is copied from Premium savings account comparison — official fee and benefit schedule. Check the table notes before relying on it.

Source: Bank of Baroda Comparison of Premium Savings Bank Products · Pages 1–4 — populated source rows 1–18, 20–37, 39–41 and 43–53 Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 50 rows · 9 columnsPremium savings account comparison — official fee and benefit scheduleComplete comparison of eligibility, balances, transaction pricing, cards, digital services, loan concessions and linked insurance/health benefits for seven Bank of Baroda premium savings schemes.View tableHide table

Scroll sideways to view every column

Premium savings account comparison — official fee and benefit schedule
Sr.Comparison itembob Super Savingsbob Professional Savings Accountbob Platinumbob Senior Citizen Vishesh Sammanbob Women Sapphirebob Masterstroke LITEbob Masterstroke
1Eligble ClientsAll Resident Individuals (Salaried, Business, Professionals etc.) Only Metro & Urban BranchesProfessionals holding Govt-approved Degree: Doctors, B.Tech/M.Tech/, //CS/, /, / etc. (1st applicant must be Professional, 21 yrs+)All Resident Individuals (except Minors) Staff also allowedSenior Citizens 60 years & above (Singly or Jointly) 1st holder must be Senior CitizenWomen (Singly or Jointly) 1st holder must be WomenAll including All Individuals incl. (Minors not allowed)
2Eligible BranchesMetro/Urban onlyAll BranchesAll BranchesAll BranchesAll BranchesAll BranchesAll Branches
3₹20,000/-₹25,000/-₹1,00,000/-₹1,00,000/-₹1,00,000/-₹5,00,000 OR ₹2,50,000 () + ₹5,00,000 ()₹10,00,000 OR ₹5,00,000 () + ₹10,00,000 ()
4Cash Deposit Charges - Base BranchFree up to 5 txns/month ₹50/txn beyond (Metro-Urban branch)Free up to 5 txns/month ₹50/txn beyond (Metro-Urban branch)Free up to 10 txns/month for cash deposit in non-base branch Beyond 10: Metro/Urban: ₹50/txn Rural/Semi-Urban: ₹40/txnFree up to 10 txns/month for cash deposit in non-base branch Beyond 10: Metro/Urban: ₹50/txn Rural/Semi-Urban: ₹40/txnFree up to 10 txns/month for cash deposit in non-base branch Beyond 10: Metro/Urban: ₹50/txn Rural/Semi-Urban: ₹40/txnFree up to 10 txns/month for cash deposit in non-base branch Beyond 10: Metro/Urban: ₹50/txn Rural/Semi-Urban: ₹40/txnFree up to 10 txns/month for cash deposit in non-base branch Beyond 10: Metro/Urban: ₹50/txn Rural/Semi-Urban: ₹40/txn
5Cash Deposit Charges - Non-Base BranchFree up to 5 txns/month (across all branches) ₹50/txn beyondFree up to 5 txns/month ₹50/txn beyond (Metro-Urban)Free up to ₹1L/day Above: as per Bank normsFree up to 10 txns/month (non-base branch) Beyond 10: Metro/Urban: ₹50/txn Rural/Semi-Urban: ₹40/txnFree up to ₹1L Thereafter as per Bank's extant guidelinesFree up to 10 txns/month (non-base branch) Beyond 10: Metro/Urban: ₹50/txn Rural/Semi-Urban: ₹40/txnFree up to ₹1L/day Above: as per Bank norms
6Cash Deposit Charges - Outstation BranchFree up to 5 txns/month (any branch) ₹50/txn beyondFree up to 5 txns/month (any branch) ₹50/txn beyondFree up to 5 txns/month (any branch) ₹50/txn beyondFree up to 5 txns/month (any branch) ₹50/txn beyondFree up to 5 txns/month (any branch) ₹50/txn beyondFree up to 5 txns/month (any branch) ₹50/txn beyondFree up to 5 txns/month (any branch) ₹50/txn beyond
7Cash withdrawal - Base BranchFree up to 5 txns/month ₹125/txn beyond (Metro-Urban) Max ₹50,000/day (Non-Base/Outstation)Free up to 5 txns/month ₹125/txn beyond (Metro-Urban) Max ₹50,000/dayFree up to 5 txns/month ₹125/txn beyond (Metro-Urban)Free up to 5 txns/month ₹100/txn beyond (Senior Citizen – any branch) Max ₹50,000/dayFree up to 5 txns/month ₹100/txn beyond (Senior Citizen – any branch) Max ₹50,000/dayFree up to 10 txns/month (non-base branch) Beyond 10: Metro/Urban: ₹50/txn Rural/Semi-Urban: ₹40/txnFree up to 5 txns/month ₹125/txn beyond (Metro-Urban)
8Cash withdrawal -Non-Base BranchFree up to 5 txns/month (across all branches) ₹125/txn beyond Max ₹50,000/day (self-cheque only)Free up to 5 txns/month ₹125/txn beyond Max ₹50,000/day (self-cheque only)Free up to 5 txns/month ₹125/txn beyond Max ₹50,000/day (self-cheque only)Free up to 5 txns/month ₹100/txn beyond (Senior Citizen – any branch) Max ₹50,000/day (self-cheque only)Free up to 5 txns/month ₹100/txn beyond (Senior Citizen – any branch) Max ₹50,000/dayFree up to 5 txns/month ₹100/txn beyond (Senior Citizen – any branch) Max ₹50,000/dayFree up to 5 txns/month ₹125/txn beyond Max ₹50,000/day (self-cheque only)
9Cash withdrawal - Outstation BranchFree up to 5 txns/month (any branch) ₹125/txn beyond Max ₹50,000/day (self-cheque only)Free up to 5 txns/month ₹125/txn beyond Max ₹50,000/day (self-cheque only)Free up to 5 txns/month (any branch) ₹125/txn beyond Max ₹50,000/day (self-cheque only)Free up to 5 txns/month ₹100/txn beyond (Senior Citizen – any branch) Max ₹50,000/day (self-cheque only)Free up to 5 txns/month ₹100/txn beyond (Senior Citizen – any branch) Max ₹50,000/day (self-cheque only)Free up to 5 txns/month ₹100/txn beyond (Senior Citizen – any branch) Max ₹50,000/day (self-cheque only)Free up to 5 txns/month (any branch) ₹125/txn beyond Max ₹50,000/day (self-cheque only)
10Unlimited Free (for personal needs)Unlimited Free (for personal needs)Free Issuance: 1 Travel/Gift Card/quarter ( charges: standard rates)Free UnlimitedFree Unlimited
11Unlimited Free (for personal needs)Unlimited Free (for personal needs)Free Issuance: 1 Travel/Gift Card/quarter ( charges: standard rates)Free UnlimitedFree Unlimited
12LOCKERNo DiscountNo Discount10% Discount on Annual Locker Charges (Small & Medium, 1 locker only) Base rates (Metro/Urban): A: ₹1,500 → Pay ₹1,350 B: ₹2,000 → Pay ₹1,800 Priority allotment20% Discount on Any One Locker (1st holder only) Max discount: ₹500/-20% Discount on Locker (1st holder only, max ₹500/-) Base rates (Metro/Urban): A: ₹1,500 → Pay ₹1,200 B: ₹2,000 → Pay ₹1,600Flat ₹750/- Discount on any size Locker (1 locker only) (Subject to availability)100% Discount (1 Small Size Locker only) 1st holder only (Subject to availability)
13 - OnlineFreeFree (bob World Internet / bobWorld / Branch)Free UnlimitedFree (from all channels)FreeFree UnlimitedFree Unlimited
14 - OfflineFreeFree (bob World Internet / bobWorld / Branch)Free UnlimitedFree (from all channels)FreeFree UnlimitedFree Unlimited
15 - OnlineFree (INWARD: NIL) (OUTWARD – standard: ₹2L–5L: ₹24.50 Above ₹5L: ₹49.50)Free (bob World Internet / bobWorld / Branch)Free UnlimitedFree (from all channels)Free (from all channels)Free UnlimitedFree Unlimited
16 - OfflineFree (INWARD: NIL) (OUTWARD – standard: ₹2L–5L: ₹24.50 Above ₹5L: ₹49.50)Free (bob World Internet / bobWorld / Branch)Free UnlimitedFree (from all channels)Free (from all channels)Free UnlimitedFree Unlimited
17 - OnlineUpto ₹1,000: ₹2.50 ₹1,001–25,000: ₹5.00 ₹25,001–5L: ₹15.00 (w.e.f. 01.10.2025)Standard charges: Upto ₹1,000: ₹2.50 ₹1,001–25,000: ₹5.00 ₹25,001–5L: ₹15.00 (w.e.f. 01.10.2025)Free Unlimited50% Discount on normal charges: Upto ₹1,000: ₹1.25 ₹1,001–25,000: ₹2.50 ₹25,001–5L: ₹7.50 (w.e.f. 01.10.2025)50% Discount on normal charges: Upto ₹1,000: ₹1.25 ₹1,001–25,000: ₹2.50 ₹25,001–5L: ₹7.50 (w.e.f. 01.10.2025)Free UnlimitedFree Unlimited
18 - OfflineUpto ₹1,000: ₹2.50 ₹1,001–25,000: ₹5.00 ₹25,001–5L: ₹15.00Standard charges: Upto ₹1,000: ₹2.50 ₹1,001–25,000: ₹5.00 ₹25,001–5L: ₹15.00Free Unlimited50% Discount on normal charges: Upto ₹1,000: ₹1.25 ₹1,001–25,000: ₹2.50 ₹25,001–5L: ₹7.5050% Discount: Upto ₹1,000: ₹1.25 ₹1,001–25,000: ₹2.50 ₹25,001–5L: ₹7.50Free UnlimitedFree Unlimited
20Debit Card VariantAny Debit Card Variant as per customer request (subject to T&C of each card)RuPay Select Debit Card (1st Year Free) Additional: Platinum (on request for additional account holder) Features: limit: ₹1,50,000/day /Ecom: ₹5,00,000/day PA cover: ₹10 Lakhs Lounge, SPA, Gym, Golf access Platinum Chip Debit Card (Lifetime Free)bob Bhoomi RuPay Select Debit Card Features: limit: ₹1,50,000/day /Ecom: ₹5,00,000/day Domestic & International use 1 Domestic Lounge/qtr (min spend ₹5,000) 2 International Lounge/yr 1 Gym Membership/qtr 1 Golf Lesson/Round/qtr 1 Health Check-up/qtr 1 SPA/Salon session/qtr 1 Cab coupon (₹100)/qtr 12-month membership/yrbob Bhoomi RuPay Select Debit Card Platinum Debit Card (100% Waiver on Fee) Opulence Debit Card (Lifetime Free) (1st holder only)
21Debit Card Issuance FeeRuPay Classic: ₹100 RuPay Platinum: ₹300 Platinum: ₹300 (as per card variant chosen)1st Year Free (RuPay Select: Std ₹500 waived for 1st year)₹300 ( Platinum) (Lifetime Free as per scheme – NIL)Free (RuPay Select: Std ₹500 waived for scheme)₹500 (RuPay Select issuance) (Free as per scheme)100% Waiver ( Platinum – NIL)100% Waiver ( Opulence – NIL) (1st holder only)
22Debit Card Renewal FeeRuPay Classic: ₹200/yr RuPay Platinum: ₹300/yr Platinum: ₹300/yr (from 2nd year onwards) (as per card variant chosen)As per Bank's SC (RuPay Select: ₹500/yr from 2nd year onwards) Platinum: Lifetime Free – NILAs per Bank's SC (RuPay Select: ₹500/yr from 2nd year onwards)RuPay Select: 1st Year Free 2nd Year+: ₹500/yr (Free as per scheme)100% Waiver – NIL100% Waiver – NIL ( Opulence, 1st holder only)
23Free Transactions on Bank of Baroda 5 Free txns on BoB (Financial + Non-Financial) Beyond 5: Fin ₹10/txn Non-Fin ₹5/txn5 Free txns on BoB (Financial + Non-Financial) Beyond 5: Fin ₹10/txn Non-Fin ₹5/txn5 Free txns on BoB (Financial + Non-Financial) Beyond 5: Fin ₹10/txn Non-Fin ₹5/txn5 Free txns on BoB (Financial + Non-Financial) Beyond 5: Fin ₹10/txn Non-Fin ₹5/txnAs per Bank's guidelines (Std: 5 free ONUS txns) Beyond 5: Fin ₹10/txn Non-Fin ₹5/txn5 Free txns on BoB (Financial + Non-Financial) Beyond 5: Fin ₹10/txn Non-Fin ₹5/txn50 Free transactions (via Opulence card) Beyond 50: Fin ₹10/txn Non-Fin ₹5/txn
24Free transactionsMetro: 3 free txns Non-Metro: 5 free txns Beyond free: Fin txn: ₹23/txn Non-Fin txn: ₹11/txnMetro: 3 free txns Non-Metro: 5 free txns Beyond free: Fin txn: ₹23/txn Non-Fin txn: ₹11/txnMetro: 3 free txns Non-Metro: 5 free txns Beyond free: Fin txn: ₹23/txn Non-Fin txn: ₹11/txnMetro: 3 free txns Non-Metro: 5 free txns Beyond free: Fin txn: ₹23/txn Non-Fin txn: ₹11/txnMetro: 3 free txns Non-Metro: 5 free txns Beyond free: Fin txn: ₹23/txn Non-Fin txn: ₹11/txnMetro: 3 free txns Non-Metro: 5 free txns Beyond free: Fin txn: ₹23/txn Non-Fin txn: ₹11/txnMetro: 3 free txns Non-Metro: 5 free txns Beyond free: Fin txn: ₹23/txn Non-Fin txn: ₹11/txn
25Cheque bookUnlimited Free (for personal use)50 Free Cheque Leaves/year Beyond 50: ₹4/leaf (Metro-Urban) or ₹2.50/leaf (Rural/SU)Unlimited Free (for personal use)FreeFreeFree UnlimitedFree Unlimited
26 alert facility20 Paisa/ + Cap: ₹15+ per month (charged monthly)1st Year Free 2nd year+: 20 Paisa/ + Cap: ₹15+ per monthFree UnlimitedFreeFreeFree UnlimitedFree Unlimited
27Auto sweep facilityAllowed on request Scheme: TD110 Threshold: ₹50,000 Period: 181 days Sweep-out: ₹10,000 multiples Sweep-in: ₹1,000 multiples—Available on written request Scheme: TD180 Threshold: ₹2,00,000 Period: 181 days Sweep-out: ₹10,000 multiples Sweep-in: ₹1,000 multiples Frequency: Weekly (Monday)Available on Request ( Facility)Available on Request ( Facility)Yes (written request) Threshold: ₹10,00,000 Period: 181 days Sweep-out: ₹25,000 multiples Sweep-in: ₹10,000 multiplesYes (written request) Resident: TD1D9 : TD2D9 | : TD3C9 Threshold: ₹20,00,000 Period: 181 days (12 months for ) Sweep-out: ₹25,000 multiples Sweep-in: ₹10,000 multiples Frequency: Weekly (Monday)
28Internet BankingFreeYesYesYesYesYesYes
29Mobile BankingFreeYesYesYesYesYesYes
30WhatsApp BankingYesYesYesYesYesYesYes
31Credit CardSubject to BOBFSL credit underwriting policiesSubject to BOBFSL credit underwriting policies (Exclusive BFSL offers)Subject to BOBFSL credit underwriting policiesRefer www.bobcard.co.in (Subject to BOBCARDS credit underwriting)Tiera Credit Card 50% Waiver on 1st year charges (via reward points) 1st holder only; Subject to BOBCARDSLifetime Free ETERNA CREDIT CARD (1st holder only)Lifetime Free ETERNA CREDIT CARD (1st holder only)
32Credit Card - Issuance Fee-—-—50% Waiver on 1st year charges via reward pointsNIL (Lifetime Free)NIL (Lifetime Free)
33Credit Card - Renewal Fee-—-—-NIL (Lifetime Free)NIL (Lifetime Free)
34DEMAT 25% Discount on (1st holder only)1st Year DEMAT : NIL 2nd year+: as per Bank's SCFree Demat (subject to maintenance of as per scheme)Free for 1st Year (1st holder only)Free for 1st Year (1st holder only)Lifetime FreeLifetime Free (1st holder only)
35Gift CardGift Card issuance: Upto ₹2,000: ₹50 ₹2,001–10,000: ₹100 Revalidation: ₹100—50% Discount on issuance Base: Upto ₹2,000: ₹50 → Pay ₹25 ₹2,001–10,000: ₹100 → Pay ₹50Free Issuance: 1 Travel/Gift Card per quarter (Base: Upto ₹2,000: ₹50 ₹2,001–10,000: ₹100)Free Issuance: 1 Travel/Gift Card per quarter (Base: Upto ₹2,000: ₹50 ₹2,001–10,000: ₹100)50% Discount on Issuance/Renewal Fee Base: Upto ₹2,000: ₹50 → Pay ₹25 ₹2,001–10,000: ₹100 → Pay ₹50100% Waiver on Issuance/Renewal Fee (Gift Card: Free) (Travel Card: Free)
36Forex mark up-—-—-1% Reduced Forex Mark-up (Standard mark-up reduced by 1%)2 bps Discount in Forex Mark-up Opulence: 2% mark-up Eterna Card: 2% mark-up
37Transaction ChargesUpto 50 debit entries/half year: Free Beyond 50: ₹15/debit entry (Metro-Urban) (Ledger Folio: NIL for )Upto 50 debit entries/half yr: Free Beyond 50: ₹15/debit entry (Metro-Urban)Free (No Ledger Folio or Transaction Charges)Free (Discounted banking services)FreeFree UnlimitedFree Unlimited (No Ledger Folio / Transaction Charges)
39Pre- closure chargesNIL if closed within 14 days of first customer transaction NIL if closed due to death ₹300 if beyond 14 days but within 1 yearNIL if closed within 14 days of first customer transaction NIL if closed due to death ₹500+ if beyond 14 days but within 1 year (as per Professional scheme)NIL if closed within 14 days of first customer transaction NIL if closed due to death ₹1,000+ if beyond 14 days but within 1 year (as per Platinum scheme)NIL if closed within 14 days of first customer transaction NIL if closed due to death ₹275 if beyond 14 days but within 1 year (Senior Citizen rate)NIL if closed within 14 days of first customer transaction NIL if closed due to death ₹300 if beyond 14 days but within 1 yearNIL if closed within 14 days of first customer transaction NIL if closed due to death ₹300 if beyond 14 days but within 1 yearNIL if closed within 14 days of first customer transaction NIL if closed due to death ₹300 if beyond 14 days but within 1 year
40 Charges6% of Actual Shortfall (Monthly basis) Min: ₹50 | Max: ₹400 (SB117 as per SC table) Note: Zero charges w.e.f. 01.07.2025 (non-premium)6% of Actual Shortfall (Monthly basis) Min: ₹50 | Max: ₹200 (SB194 – as per SC table) Note: If falls below benchmark, all features withdrawn; restored next quarter on maintenance6% of Actual Shortfall (Monthly basis) Min: ₹50 | Max: ₹334 (SB171 – Premium ) (Exempt from 01.07.2025 zero charge waiver)6% of Actual Shortfall (Monthly basis) Min: ₹50 | Max: ₹500 (SB195 – Premium ) (Exempt from 01.07.2025 zero charge waiver)6% of Actual Shortfall (Monthly basis) Min: ₹50 | Max: ₹500 (SB105 – Premium ) (Exempt from 01.07.2025 zero charge waiver)If < ₹2.50L: 6% of shortfall from ₹5L Min: ₹150 | Max: ₹750 If ₹2.50L–5L & < ₹5L: 6% of shortfall from ₹5L Min: ₹100 | Max: ₹500 If ₹2.50L–5L & ≥ ₹5L: NIL If ≥ ₹5L: NIL (SB140/240/340 – Premium ) ≥ ₹10L: NIL ₹5–10L + ≥ ₹10L: NIL ₹5–10L + < ₹10L: ₹500+/month (50% of ₹1,000) < ₹5L: ₹1,000+/month (SB116 – Premium ) Min: ₹200 | Max: ₹1,000 (6% shortfall basis)
41DSBS-1 Free Service per Month (via DSBS App) (only on above ₹1,00,000/-) Std charge: ₹75+/service-Free 2 Services per Month (via DSBS App) Std charge: ₹75+/serviceFree 1 Service per Quarter (via DSBS App) Std charge: ₹75+/service1 per Month (Free – waived for scheme) Std charge: ₹75+/service5 per Quarter (Free – waived for scheme) Std charge: ₹75+/service
43Waiver in processing charges on Home Loans, Mortgage Loans*-—-Discounts in Retail Loans (refer scheme for exact %)50% Waiver on Home Loan Processing Charges Base: Upto ₹50L: 0.50% (Min ₹8,500, Max ₹15,000) → Pay 0.25% after waiver Above ₹50L: 0.25% (Min ₹8,500, Max ₹25,000) → Pay 0.125% after waiver (New loans only; 1st holder; not for existing loans)50% Waiver on Home Loan Processing Charges Base: Upto ₹50L: 0.50% (Min ₹8,500, Max ₹15,000) → Pay 0.25% after waiver (New sanctions only; subject to out-of-pocket expenses recovery)100% Waiver on Home & Mortgage Loan Processing Base: Home: 0.50% / 0.25% Mortgage TL: 1% → NIL after 100% waiver (New loans only; subject to recovery of out-of-pocket expenses)
44Waiver in processing charges on Auto, Personal Loans and Education Loans*-—-Discounts in Retail Loans (refer scheme for exact %)50% Waiver on Processing Charges Base: Car Loan: Upto ₹10L: ₹1,500 Above ₹10L: ₹2,000 Personal Loan: 2% (Min ₹1,000, Max ₹10,000) → 50% waiver on above (New loans; 1st holder; not for existing loans)50% Waiver on Processing Charges Base rates as standard → 50% waiver applied (New sanctions only; subject to out-of-pocket expenses recovery)100% Waiver on Auto, Personal & Education Loan Processing Base: Car Loan: ₹1,500–2,000 Personal: 2% (Min ₹1,000) Education: 1% (Max ₹10,000) → NIL after 100% waiver (New loans only; subject to out-of-pocket expenses)
45Concession in Interest Rates of aUTO Loans, Home, Mortgage, Personal & Education Loans*-—-Discounts in Retail Loans (refer scheme for exact %)Discounts & concession on interest rates (as per scheme T&C)0.10% concession on 4-Wheeler, Home, Mortgage, Personal & Education Loans (New loans; 1 loan only; upto ₹10L of loan amount; not below min rate; benefit reflects next quarter after confirmation)0.25% concession on 4-Wheeler, Home, Mortgage, Personal & Education Loans (New loans; 1 loan only; upto ₹10L of loan amount; not below min rate; benefit reflects next quarter after confirmation)
46Waiver in processing charges on Reverse Mortgage Loans*-—-50% Waiver on Processing Fees for Reverse Mortgage Loan (New loans only; 1st holder only; not for existing loans) Base: 0.20% (Upfront ₹8,500 Max ₹10,000) → Pay 0.10% after waiver---
47Scheme Conversion (to)Allowed; subject to T&C of target productAllowed; subject to T&C of target product (Recovery of relevant charges of SB194 scheme)Allowed; subject to undertaking to maintain as per productSenior Citizens a/cs with avg balance of ₹1L for last 2 months (or declaration to maintain) may convert to this schemeGeneral (on breach or customer request)Allowed (If balance below benchmark for 3 months, may be converted to normal a/c; all features withdrawn)Allowed (Scheme code & SOL Transfer allowed) (3 months continuous breach → converted to normal a/c; all features withdrawn)
48Scheme Conversion (from)General Existing account holders (if eligible) can transfer into SB194 subject to declaration to maintain of ₹25,000/-Allowed from other schemes; subject to undertaking to maintain General Senior Citizen General General General (Scheme code & SOL Transfer allowed)
49Free Personal Accident Insurance (++)* (linked with the Debit card)-Personal Accident & Total Disability: ₹10 Lakhs (via RuPay Select card) via Platinum card (as per card benefits)Personal Accident & Permanent Total Disability: ₹10 Lakhs (via bob Bhoomi RuPay Select card) *Min 1 successful RuPay txn in 30 days before accident required-Air Accident Insurance: up to ₹50 Lakhs Personal Accident & Permanent Disability: up to ₹10 Lakhs (via Platinum card)Air Accident Cover: ₹1 Crore ( Opulence) Non-Air Accident: ₹10 Lakhs ( Opulence) Accidental Death via Eterna Card: Air: ₹1 Cr | Non-air: ₹10L
50Free Additional Air Accident Cover* (linked with the Debit card)-—-—-Yes, ₹50 LakhsYes, ₹1 Crore
51Total Accident Insurance Cover* (linked with the Debit card)-Personal Accident & Total Disability: ₹10 Lakhs (via RuPay Select card) as per card benefitsPersonal Accident & Permanent Total Disability: ₹10 Lakhs (via bob Bhoomi RuPay Select card)Cancer Coverage: ₹10 Lakhs (post maintenance of ₹1L; upto 60 years of age)Air Accident: ₹50 Lakhs Personal Accident & Permanent Disability: ₹10 LakhsAir Accident: ₹1 Crore ( Opulence) Non-Air Accident: ₹10 Lakhs ( Opulence)
52Cancel Care Plan*-—-—Cancer Coverage: ₹10 Lakhs (1st holder only; upto 60 years of age) Effective post maintenance of ₹1L Cancer prior to account opening not covered--
53Practo Membership*-—-Free Online Doctor Consultation for 6 Family Members 15% concession on online medicine purchase 20% concession on Pathological tests (via Practo App; register with mobile no. linked to Vishesh Samman a/c) *Effective post maintenance of ₹1LFree Online Doctor Consultation for 6 Family Members 15% concession on online medicine purchase 20% concession on Pathological tests (Effective post maintenance of ₹1L)--
  • Rows reproduce all populated comparison rows in the four-page . The source numbering skips 19, 38 and 42 because those rows are blank separators in the .
  • Rupee amounts are normalized from “Rs.” to “₹”; wording, conditions, exclusions and source dashes are retained. “—” marks a cell with no value printed in the source table.
  • This is a comparison schedule, not a personalised quote. Current scheme, service-charge, card, lending and insurance terms apply at the time of use.
Bank of Baroda Comparison of Premium Savings Bank Products · Pages 1–4 — populated source rows 1–18, 20–37, 39–41 and 43–53 · effective 7 May 2026 · accessed 24 Aug 2026Open official source ↗
Table 2 · 7 rows · 6 columnsPremium savings accounts — key published comparison rowsTranscribed from the four-page Bank of Baroda comparison PDF. The source contains rows 1–41; these rows capture the fields used by the directory comparison table, while the full PDF remains linked above.View tableHide table

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Premium savings accounts — key published comparison rows
ProductDebit card allowanceCheque book charge
bob Super Savings₹20,000Any debit-card variant5 free BoB; 3 metro / 5 non-metro other-bank transactionsUnlimited free6% shortfall; ₹50–₹400
bob Professional Savings₹25,000RuPay Select; Visa Platinum on request5 free BoB; 3 metro / 5 non-metro other-bank transactions50 free/year; ₹4 metro or ₹2.50 rural per excess leaf6% shortfall; ₹50–₹200
bob Platinum₹1,00,000Visa Platinum , lifetime free5 free BoB; 3 metro / 5 non-metro other-bank transactionsUnlimited free6% shortfall; ₹50–₹334
bob Senior Citizen Vishesh Samman₹1,00,000bob Bhoomi RuPay Select; lounge and lifestyle benefits5 free BoB; 3 metro / 5 non-metro other-bank transactionsUnlimited free6% shortfall; ₹50–₹500
bob Women Sapphire₹1,00,000bob Bhoomi RuPay Select5 free BoB; 3 metro / 5 non-metro other-bank transactionsUnlimited free6% shortfall; ₹50–₹500
bob Masterstroke₹10,00,000 or ₹5,00,000 + ₹10,00,000 Visa Opulence, lifetime free for first holder50 free via Visa OpulenceUnlimited freeVariant bands in row 40
bob Masterstroke LITE₹5,00,000 or ₹2,50,000 + ₹5,00,000 Platinum, 100% fee waiver5 free BoB; 3 metro / 5 non-metro other-bank transactionsUnlimited free6% shortfall; ₹100–₹500 / ₹150–₹750 bands
  • All values are before any applicable unless the row says otherwise.
  • The full 41-row comparison includes cash deposit/withdrawal, /, , locker, sweep, digital channels, pre-closure, and service rows.
Comparison of Premium Savings Bank Products · Pages 1–4 — rows 1–41 · effective 7 May 2026 · accessed 28 Aug 2026Open official source ↗
Table 3 · 7 rows · 4 columnsBank of Baroda premium savings — eligibility and balance gatesThe issuer's eligibility rules and balance gates, with salary thresholds shown only where published.View tableHide table

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Bank of Baroda premium savings — eligibility and balance gates
ProductSalary thresholdPublished eligibility / balance gate
bob Super SavingsNot publishedResident individuals; target groups include salaried, business, self-employed, professionals, housewives and minors above 10₹20,000
bob Professional SavingsNot publishedEligible resident professional customers₹25,000
bob PlatinumNot publishedResident individuals; minors excluded₹1,00,000
bob Senior Citizen Vishesh SammanNot publishedSenior-citizen account; age 60+₹1,00,000
bob Women SapphireNot publishedResident Indian women aged 18+₹1,00,000
bob MasterstrokeNot publishedPremium savings customer segment₹10,00,000 or linked term deposits
bob Masterstroke LITENot publishedPremium savings customer segment₹5,00,000 or linked term deposits
  • These are savings-account eligibility rules, not credit underwriting. No salary floor is inferred from the target-group descriptions.
Bank of Baroda premium savings — eligibility and salary requirement review · Comparison of Premium and linked product-page eligibility sections · effective 7 May 2026 · accessed 29 Aug 2026Open official source ↗
Table 4 · 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 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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