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Savings, current & salary accounts

bob Masterstroke LITE Saving Bank Account

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

Relationship balance requirement₹5 lakh MAB, or ₹2.5 lakh MAB plus ₹5 lakh in term depositsForex-markup reduction1 percentage point reduction from the standard markupSweep parameters₹10 lakh threshold; 181-day deposit; ₹25,000 sweep-out and ₹10,000 sweep-in multiples
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✓ Manually checked 13 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 NRI customers

Key facts

What the official sources publish

Every value below belongs to this exact product. Select a source marker to check its context.

Relationship balance requirement₹5 lakh MAB, or ₹2.5 lakh MAB plus ₹5 lakh in term deposits
Source 1
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 lakh
Source 2
Forex-markup reduction1 percentage point reduction from the standard markupEffective 7 May 2026
Source 3
Sweep parameters₹10 lakh threshold; 181-day deposit; ₹25,000 sweep-out and ₹10,000 sweep-in multiples
Source 4
Conditional retail-loan rate concessionUp to 0.10%
Source 5
PDF eligibility, balance and cash-service termsAll customers including NRIs; all branches; ₹5 lakh MAB or ₹2.5 lakh savings plus ₹5 lakh term deposit. Deposits: base/non-base first 10/month free then ₹50 metro/urban or ₹40 rural/semi-urban; outstation first 5 then ₹50. Withdrawals: base row prints first 10/month followed by ₹50/₹40; non-base/outstation first 5 then ₹100, maximum ₹50,000/day by self-chequeEffective 7 May 2026
Source 6
PDF payment, card, channel and ancillary termsDD/BC unlimited; one locker flat ₹750 discount; transfers unlimited. EMT Platinum fee waived; Bank ATM first 5 then ₹10/₹5; other-bank metro 3/non-metro 5 then ₹23/₹11; unlimited cheque/SMS and digital channels; lifetime-free Eterna. Demat lifetime free; gift-card charge 50% discounted to ₹25/₹50; forex markup reduced 1%; folio free; closure ₹300; tiered MAB shortfall ₹100-₹750, nil with qualifying TD; one doorstep service/month then ₹75+GSTEffective 7 May 2026
Source 7
PDF lending, conversion and insurance termsHome processing 50% waiver: base 0.50% up to ₹50 lakh, ₹8,500-₹15,000, pay 0.25%; new first-holder loans only. Auto/personal/education processing 50% waiver. Eligible-loan rate concession 0.10% up to ₹10 lakh. Three months below benchmark may convert to normal savings. EMT Platinum: air accident ₹50 lakh and personal accident/PTD ₹10 lakh; no cancer-care or Practo benefit listedEffective 7 May 2026
Source 8

Benefits and features

  • Fee-waived EMT 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 NRIs.
  • Linked-card and partner benefits remain subject to current issuer, spend, insurance and partner conditions.
  • Shortfall charges depend on both savings MAB and linked term-deposit balance.

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

Field-level evidence

Where each fact came from

Short context only; open the official page or document for the complete terms.

1

Relationship balance requirement

high confidence
The second route requires both the savings-account MAB and term-deposit balance.
Source
bob Masterstroke LITE Saving Bank Account
Page / section
Features — Average Balance
Accessed
13 Aug 2026
Open official source ↗
2

MAB shortfall charge

high confidence
The charge band depends on both the savings MAB 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 MAB
Accessed
13 Aug 2026
Open official source ↗
3

Forex-markup reduction

high confidence
The PDF 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
Open official source ↗
4

Sweep parameters

high confidence
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
Open official source ↗
5

Conditional retail-loan rate concession

high confidence
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
Open official source ↗
6

PDF eligibility, balance and cash-service terms

medium confidence
The unusual base-withdrawal wording is preserved exactly as a source condition.
Source
Bank of Baroda Comparison of Premium Savings Bank Products
Page / section
Page 1, rows 1-9
Accessed
13 Aug 2026
Open official source ↗
7

PDF payment, card, channel and ancillary terms

high confidence
Every nonblank payment, card, channel and ancillary-charge cell is retained.
Source
Bank of Baroda Comparison of Premium Savings Bank Products
Page / section
Pages 1-3, rows 10-41
Accessed
13 Aug 2026
Open official source ↗
8

PDF lending, conversion and insurance terms

high confidence
Loan bases, conversion rules and every insurance/health cell are included.
Source
Bank of Baroda Comparison of Premium Savings Bank Products
Page / section
Pages 3-4, rows 43-53
Accessed
13 Aug 2026
Open official source ↗

Related official documents

Bank of Baroda Comparison of Premium Savings Bank Productsproduct-comparison-schedule · current · accessed 13 Aug 2026
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