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Savings, current & salary accounts

bob Professional Saving Bank Account

A savings account for qualified professionals aged above 21, requiring ₹25,000 MAB and offering a first-year-free RuPay Select debit card, 50 annual cheque leaves and conditional doorstep banking.

Monthly average balance₹25,000RuPay Select debit-card termsFirst year free; ₹500 annual renewal from the second year; ATM ₹1.5 lakh/day and POS/e-commerce ₹5 lakh/dayFirst applicant ageAbove 21 years
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✓ Manually checked 13 Aug 2026 · active
bob Professional Saving Bank Account official product artwork
Offered byBank of Baroda

All Bank of Baroda branches in India

Key facts

What the official sources publish

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

First applicant ageAbove 21 years
Source 1
Monthly average balance₹25,000
Source 2
MAB shortfall charge6% of actual monthly shortfall, minimum ₹50 and maximum ₹200
Source 3
RuPay Select debit-card termsFirst year free; ₹500 annual renewal from the second year; ATM ₹1.5 lakh/day and POS/e-commerce ₹5 lakh/dayEffective 7 May 2026
Source 4
Free cheque leaves50 per year
Source 5
Conditional free doorstep-banking service1 per month in supported locations when QAB exceeds ₹1 lakh
Source 6
Closure after 14 days but within 1 year₹500 plus GST
Source 7
PDF eligibility, balance and cash-service termsGovernment-approved professionals; first applicant professional and age 21+; all branches; ₹25,000 MAB. Deposits first 5/month free at base/non-base/outstation then ₹50. Withdrawals first 5/month free then ₹125; non-base/outstation maximum ₹50,000/day by self-chequeEffective 7 May 2026
Source 8
PDF payment, card, channel and ancillary termsDD/BC not applicable; no locker discount; NEFT/RTGS free through bank channels; IMPS ₹2.50/₹5/₹15. RuPay Select first year free, additional Visa Platinum for additional holder; ATM ₹1.5 lakh/day, POS/e-commerce ₹5 lakh/day, accident cover ₹10 lakh, five lounges/year plus gym/golf; RuPay Select renewal ₹500/year; ATM free quotas then ₹10/₹5 and ₹23/₹11; 50 cheques/year then ₹4 metro/urban or ₹2.50 rural/semi-urban; SMS first year free then ₹0.20+GST capped ₹15+GST; digital channels; BOBFSL offers. Demat first year free; first 50 debit entries/half-year free then ₹15; MAB shortfall 6%, ₹50-₹200 with feature withdrawal; one doorstep service/month only above ₹1 lakh QAB then ₹75+GSTEffective 7 May 2026
Source 9
PDF conversion, protection and health termsConversion to target product allowed with recovery of SB194 charges; eligible existing holders may transfer into SB194 after declaration to maintain ₹25,000 MAB. RuPay Select personal accident/total disability cover ₹10 lakh. Practo offers free online doctor consultation for 6 family members. No additional air-accident, cancer-care, processing-fee or rate-concession benefit is listedEffective 7 May 2026
Source 10

Benefits and features

  • First-year-free RuPay Select debit card
  • 50 free cheque leaves per year
  • First-year SMS-alert and demat-AMC waivers
  • Conditional monthly doorstep-banking service

Eligibility

  • The first applicant must be above age 21 and hold an eligible government-approved professional degree or qualification.
  • A professional qualification certificate is required in addition to current savings-account KYC documents.
  • Benefits can be withdrawn for a quarter when the required balance is not maintained.

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

Documents the bank lists

  • Applicable current savings-account KYC documents
  • Professional qualification certificate

Field-level evidence

Where each fact came from

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

1

First applicant age

high confidence
The first applicant must also hold an eligible government-approved professional qualification.
Source
bob Professional Saving Bank Account
Page / section
Features — Mode of Operation
Accessed
13 Aug 2026
Open official source ↗
2

Monthly average balance

high confidence
Existing eligible accounts may transfer into the scheme after declaring maintenance of the published balance.
Source
bob Professional Saving Bank Account
Page / section
Features — Minimum Monthly Average Balance
Accessed
13 Aug 2026
Open official source ↗
3

MAB shortfall charge

high confidence
Benefits are withdrawn for a quarter after the balance falls below the benchmark and return after a compliant subsequent quarter.
Source
bob Professional Saving Bank Account
Page / section
Features — Charges for non-maintenance of minimum MAB
Accessed
13 Aug 2026
Open official source ↗
4

RuPay Select debit-card terms

high confidence
The PDF supplies the renewal fee omitted from the product page; additional Visa Platinum cards are separately chargeable.
Source
Bank of Baroda Comparison of Premium Savings Bank Products
Page / section
Page 2 — Debit Card Variant, Issuance Fee and Renewal Fee
Accessed
13 Aug 2026
Open official source ↗
5

Free cheque leaves

high confidence
Additional cheque leaves follow the current service-charge schedule.
Source
bob Professional Saving Bank Account
Page / section
Features — Cheque books
Accessed
13 Aug 2026
Open official source ↗
6

Conditional free doorstep-banking service

high confidence
The service is available only in supported PSB DSBS locations and above the published quarterly balance.
Source
bob Professional Saving Bank Account
Page / section
Features — Doorstep Banking Services
Accessed
13 Aug 2026
Open official source ↗
7

Closure after 14 days but within 1 year

high confidence
No charge applies within the 14-day cooling-off period or on the death of the account holder.
Source
bob Professional Saving Bank Account
Page / section
Features — Closure of Account and Charges
Accessed
13 Aug 2026
Open official source ↗
8

PDF eligibility, balance and cash-service terms

high confidence
All professional, age, balance and cash-service cells are retained.
Source
Bank of Baroda Comparison of Premium Savings Bank Products
Page / section
Page 1, rows 1-9
Accessed
13 Aug 2026
Open official source ↗
9

PDF payment, card, channel and ancillary terms

high confidence
Every nonblank payment, card, channel, ancillary and over-limit 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 ↗
10

PDF conversion, protection and health terms

high confidence
Conversion, protection, health and blank benefit cells are explicitly accounted for.
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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