Savings, current & salary accounts

bob PLATINUM Current Account

A ₹10 lakh current account with unlimited cheque leaves, higher cash limits, merchant-device benefits and a weekly sweep option.

Interest rateNo interest is payable on the current-account balance. If the account holder dies, savings-bank interest is paid from the date of death until settlement; any sweep deposit earns the applicable term-deposit rate separately.Monthly average balance₹10 lakh 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.

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✓ Manually checked 13 Aug 2026 · active

bob PLATINUM Current Account official artwork

Offered byBank of Baroda

Bank of Baroda branches in India

Key facts

What the official sources publish

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

Monthly average balance₹10 lakhView source

The live page publishes ₹2,500 or ₹1,500 non-maintenance charges by balance band.

Source: bob PLATINUM Current Account
Page / section: Features and
Accessed: 13 Aug 2026
Confidence: high

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Sweep parameters₹20 lakh threshold; first ₹1 lakh swept at ₹21 lakh; 15-day tenureView source

Sweep is weekly on Monday in ₹1 lakh units.

Source: bob PLATINUM Current Account
Page / section: — Auto Sweep
Accessed: 13 Aug 2026
Confidence: high

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bob PLATINUM current-account balanceMonthly average balance is ₹10 lakh. Non-maintenance charge is ₹2,500 below ₹5 lakh and ₹1,500 above ₹5 lakh. Cash deposits are free up to ₹1 crore at any branch, with a 20,000-note limit.View source

The official Fees & Charges table publishes , tiered charge, cash-deposit and note limits.

Source: bob PLATINUM Current Account
Page / section: Fees & Charges
Accessed: 23 Aug 2026
Confidence: high

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bob PLATINUM current-account servicesThe account includes 4 free POS/MPOS terminals, 20 free Soundbox QR units, unlimited cheque leaves, free NEFT/RTGS/IMPS/UPI, free SMS/email/monthly statement, free VISA Vyapaar DI debit card, 50% Demat AMC discount and 50% auto/retail-loan processing-charge discounts.View source

The official Benefits and Features sections list terminal, transfer, card and discount allowances.

Source: bob PLATINUM Current Account
Page / section: Benefits / Features
Accessed: 23 Aug 2026
Confidence: high

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bob PLATINUM transaction limitsFree branch cash withdrawals are available for 20 transactions per month; further transactions cost ₹150 each. Closure within one year costs ₹800 plus GST. Immediate credit of outstation cheques is subject to the account’s stated current-account terms.View source

The official Fees & Charges section publishes withdrawal and closure limits.

Source: bob PLATINUM Current Account
Page / section: Fees & Charges
Accessed: 23 Aug 2026
Confidence: high

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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

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Debit cardVisa Vyapaar DI Business Debit Card is free; issuance and renewal charges are nil.View source

The page lists a free Vyapaar DI Debit Card and says issuance and renewal charges are Nil.

Source: bob PLATINUM Current Account
Page / section: Benefits — Free Vyapaar DI Debit Card; Features — Debit card charges
Accessed: 7 Sept 2026
Confidence: high

Open official source ↗

Non-maintenance chargeFor the ₹10,00,000 MAB requirement, the page lists ₹2,500 when MAB is below ₹5,00,000 and ₹1,500 when MAB is above ₹5,00,000 but below the requirement.View source

The fee table lists ₹2,500 below ₹5 lakh and ₹1,500 above ₹5 lakh for the ₹10 lakh requirement.

Source: bob PLATINUM Current Account
Page / section: Fees & Charges — Monthly Average Balance
Accessed: 7 Sept 2026
Confidence: high

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The checked current-account pages publish no interest on the current-account balance, with a deceased-account settlement exception; their sweep sections separately refer to term-deposit interest.

Source: Bank of Baroda current-account — interest payment
Page / section: Most Important Terms and Conditions — Interest Payment
Accessed: 29 Aug 2026
Confidence: high

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FFD scheme parametersScheme CA144 (bob Platinum Current Account): default FFD 15 days; sweep out above ₹20,00,000; sweep-out and sweep-in multiples ₹1,00,000.Effective 25 Mar 2026View source

row CA144 lists 15 days, ₹20,00,000 threshold and ₹1,00,000 for both sweep multiples.

Source: Schemes for Website — official Bank of Baroda
Page / section: Page 1, row 22
Accessed: 29 Aug 2026
Confidence: high

Open official source ↗

Account typeCurrent accountView source

The manually reviewed product name/benefits state: “Current account”.

Source: bob PLATINUM Current Account — official product page
Page / section: Published account type and access benefits
Accessed: 13 Aug 2026
Confidence: high

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Cheque bookUnlimited cheque leavesView source

The manually reviewed product name/benefits state: “Unlimited cheque leaves”.

Source: bob PLATINUM Current Account — official product page
Page / section: Published account type and access benefits
Accessed: 13 Aug 2026
Confidence: high

Open official source ↗

ATM limits20 cash withdrawals per monthView source

The manually reviewed product name/benefits state: “20 cash withdrawals per month”.

Source: bob PLATINUM Current Account — official product page
Page / section: Published account type and access benefits
Accessed: 13 Aug 2026
Confidence: high

Open official source ↗

Benefits and features

Unlimited cheque leaves
20 cash withdrawals per month
20 soundboxes and 4 / devices under published conditions
50% retail-loan processing-charge discount

Eligibility

Available to eligible individuals aged 14 or above and permitted business or institutional entities.

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

Documents the bank lists

Applicable current-account and entity documents

Try the numbers

Private, instant and based on the values you enter.

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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.

TableVariantChoose column

GOLD · Published facilityBranch cash withdrawals

This value is copied from Published current-account facilities and charges. Check the table notes before relying on it.

Source: Bank of Baroda current-account variant pages — published facilities and charges · Benefits, Fees & Charges and Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 8 rows · 3 columnsPublished current-account facilities and chargesCanonical comparison fields promoted from the checked Bank of Baroda variant pages.View tableHide table

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Published current-account facilities and charges
Variant	Published facility	Published detail
GOLD	Branch cash withdrawals	10 free per month, excluding ; ₹150 thereafter
LITE	Branch cash withdrawals	5 free per month, excluding ; ₹150 thereafter
PLATINUM	Debit card	Free Vyapaar DI for eligible individual/proprietor accounts
RHODIUM	Debit card	Free Vyapaar DI; issuance and renewal nil
SMART	Branch cash withdrawals	5 free per month, excluding ; ₹150 thereafter
SUPREME	Debit card	Free Vyapaar Business Debit Card for eligible individual/proprietor accounts
WOMEN POWER	Branch cash withdrawals	5 free per month, excluding ; ₹150 thereafter
FAMILY SEGMENT	Product	Silver ₹2 lakh; Gold ₹5 lakh; Diamond ₹10 lakh; cheque-book waiver 25%/50%/100%

Branch withdrawal limits are not limits; the wording is retained to avoid conflating the two channels.
All amounts and waivers are subject to the page's terms and applicable taxes where stated.

Bank of Baroda current-account variant pages — published facilities and charges · Benefits, Fees & Charges and · accessed 29 Aug 2026Open official source ↗

Table 2 · 4 rows · 3 columnsCurrent-account interest paymentInterest treatment repeated in the checked Bank of Baroda current-account MITCs.View tableHide table

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Current-account interest payment
Variant	Current-account balance	Exception / separate sweep treatment
ADVANTAGE / / OTHER BANKS	No interest payable	Savings-bank interest only from death until settlement; sweep deposits use term-deposit rate
DIAMOND / PREMIUM / STARTUP / SCALE-UP	No interest payable	Same current-account rule
GOLD / LITE / PLATINUM / RHODIUM	No interest payable	Same current-account rule
SMART / SUPREME / WOMEN POWER	No interest payable	Same current-account rule

The zero applies to the current-account balance, not to a separate sweep/term deposit.

Bank of Baroda current-account — interest payment · Most Important Terms and Conditions — Interest Payment · accessed 29 Aug 2026Open official source ↗

Table 3 · 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 ↗

bob PLATINUM Current Account

What the official sources publish

Benefits and features

Eligibility

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Related official documents

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Account interest estimate

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Complete rates, limits and schedules

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