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 balance₹0; ₹5 opening amountView source
No non-maintenance charge is published.
- Source
- bob Pensioners Savings Bank Account
- Page / section
- Features and
- Accessed
- 13 Aug 2026
- Confidence
- high
Pension overdraftUp to 2 months' pension, subject to no other credit facilityView source
The live page contains inconsistent wording about whether the reference is the last month or last two months of net pension credit.
- Source
- bob Pensioners Savings Bank Account
- Page / section
- Features — Overdraft Facility
- Accessed
- 13 Aug 2026
- Confidence
- medium
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
Debit cardAny debit-card variant may be issued as requested, subject to the terms of that card; the first year is free and standard annual charges apply thereafter.View source
The feature table says any debit-card variant may be issued as requested, subject to the card department’s terms; the says the debit card is free for the first year and standard annual fees apply thereafter.
- Source
- bob Pensioners Savings Bank Account
- Page / section
- Features — Debit Card Variant; — /Debit Card/Credit Card and Charges
- Accessed
- 6 Sept 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. Branch cash withdrawal at outstation branches is capped at ₹50,000 per day for the account holder.View source
The publishes separate cash-machine deposit/cardless limits and a ₹50,000 daily outstation-branch cash-withdrawal limit; it does not publish a separate cash-withdrawal ceiling for this account.
- Source
- bob Pensioners Savings Bank Account
- Page / section
- — At Cash Machines; Cash Withdrawal
- Accessed
- 6 Sept 2026
- Confidence
- high
Account typeSavings accountView source
The manually reviewed product name/benefits state: “Savings account”.
- Source
- bob Pensioners Savings Bank Account — official product page
- Page / section
- Published account type and access benefits
- Accessed
- 13 Aug 2026
- Confidence
- high
Cheque bookUnlimited free cheque booksView source
The manually reviewed product name/benefits state: “Unlimited free cheque books”.
- Source
- bob Pensioners Savings Bank Account — official product page
- Page / section
- Published account type and access benefits
- Accessed
- 13 Aug 2026
- Confidence
- high
Benefits and features
- Zero balance
- Unlimited free cheque books
- Conditional pension overdraft
- Free digital banking
Eligibility
- Available to eligible superannuated or VRS pensioners receiving pension through Bank of Baroda.
- Retired defence personnel are eligible irrespective of age.
- The first holder must be the pensioner.
Passing a listed condition does not mean the bank will approve an application.
Documents the bank lists
- Pension Payment Order and applicable documents
Related official documents
Bank of Baroda account pages and account service-charge scheduleofficial-product-pages-and-schedule · current · accessed 29 Aug 2026
↗Bank of Baroda non-salary current, savings and scheme accountsofficial-product-pages · current · accessed 29 Aug 2026
↗bob Pensioners Savings Bank Account — current official product pageofficial-product-page · current · accessed 6 Sept 2026
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