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Savings, current & salary accounts

bob Senior Citizen Privilege Scheme

A senior-citizen savings account with location-based , a Visa Platinum debit card, 50 cheque leaves, weekly sweep and conditional concessions.

Interest rateThe product page directs customers to the live BOB savings-deposit rate schedule. The current schedule effective 22 August 2025 is 2.50% p.a. below ₹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 and 4.75% at ₹2,000 crore and above.Monthly average balanceMetro/urban ₹3,000; semi-urban ₹2,000; rural ₹1,000Salary 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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Quick eligibility check

bob Senior Citizen Privilege Scheme

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.

1Does your age meet this requirement: Resident Indians aged 60 and above are eligible?

2Do you meet this requirement: Pension credit may be received through the account?

3Do you meet this requirement: Existing savings or pension accounts may convert under the published conditions?

0 of 3 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 21 Aug 2026 · active
bob Senior Citizen Privilege Scheme 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 balanceMetro/urban ₹3,000; semi-urban ₹2,000; rural ₹1,000View source
The first holder must be a senior citizen.
Source
bob Senior Citizen Privilege Scheme
Page / section
Features
Accessed
13 Aug 2026
Confidence
high
Open official source ↗
Sweep parameters₹50,000 threshold; 181 days; ₹10,000 sweep-out and ₹1,000 sweep-in multiplesView source
Available on written request and swept weekly on Monday.
Source
bob Senior Citizen Privilege Scheme
Page / section
Features — Sweep parameters
Accessed
13 Aug 2026
Confidence
high
Open official source ↗
Free cheque leaves50 per financial yearView source
Additional leaves follow the current service-charge schedule.
Source
bob Senior Citizen Privilege Scheme
Page / section
Features
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₹50,000Effective 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₹10,000Effective 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₹1,000Effective 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 ↗
Senior Citizen Privilege eligibilityThe resident-only account is for people aged 60 years and above; pensioners may use it for pension credit. Minimum monthly average balance is ₹3,000 in metro/urban branches, ₹2,000 semi-urban and ₹1,000 rural, with no ceiling on deposited amount.View source
The official Features and Eligibility sections publish residency, age, pension and area-wise rules.
Source
bob Senior Citizen Privilege Scheme
Page / section
Features / Eligibility
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
Senior Citizen Privilege benefitsBenefits include a first-year-free Visa Platinum debit card, cash withdrawal up to ₹50,000 per day, unlimited Bank of Baroda ATM transactions, 25% locker-rent waiver, first-year Demat AMC waiver, 50% reverse-mortgage processing-fee waiver, sweep facility and complimentary BOB Prime credit card subject to underwriting.View source
The official Benefits and Features sections publish card, withdrawal, , locker, Demat, reverse-mortgage and sweep benefits.
Source
bob Senior Citizen Privilege Scheme
Page / section
Benefits / Features
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
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
Open official source ↗
Account typeResident senior-citizen privilege savings account for customers aged 60 years and above.View source
The official product page identifies the resident senior-citizen savings account and age-60 eligibility.
Source
bob Senior Citizen Privilege Scheme
Page / section
Eligibility / Features
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
Interest rateThe product page directs customers to the live BOB savings-deposit rate schedule. The current schedule effective 22 August 2025 is 2.50% p.a. below ₹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 and 4.75% at ₹2,000 crore and above.Effective 22 Aug 2025View source
The Senior Citizen Privilege page directs readers to the latest savings-deposit rates; the linked official table publishes the five balance slabs.
Source
Bank of Baroda Savings Bank Deposits — current interest-rate schedule
Page / section
Deposits — slab-wise revised rate of interest; Senior Citizen Privilege — Interest Calculation and Payment
Accessed
6 Sept 2026
Confidence
high
Open official source ↗
ATM / cash withdrawal limitsFree unlimited transactions at Bank of Baroda ATMs; cash withdrawal at an outstation branch is limited to ₹50,000 per day for the account holder. The page does not state a separate off-us ATM amount.View source
The page advertises unlimited transactions and publishes a ₹50,000/day outstation-branch withdrawal limit.
Source
bob Senior Citizen Privilege Scheme
Page / section
Benefits — and cash withdrawal; — Cash withdrawal
Accessed
6 Sept 2026
Confidence
high
Open official source ↗
Non-maintenance charge6% of the actual monthly shortfall, subject to a minimum of ₹50 and maximum of ₹100.View source
The feature table states 6% of actual shortfall monthly, minimum ₹50 and maximum ₹100.
Source
bob Senior Citizen Privilege Scheme
Page / section
Features — non-maintenance charges
Accessed
6 Sept 2026
Confidence
high
Open official source ↗
FFD scheme parametersScheme SB180 (bob SENIOR CITIZEN PRIVILEGE): default FFD 181 days; sweep out above ₹50,000; sweep-out multiple ₹10,000; sweep-in multiple ₹1,000.Effective 25 Mar 2026View source
row SB180 lists 181 days, ₹50,000 threshold, ₹10,000 sweep-out and ₹1,000 sweep-in multiples.
Source
Schemes for Website — official Bank of Baroda
Page / section
Page 1, row 12
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
Debit cardVisa Platinum debit cardView source
The manually reviewed product name/benefits state: “Visa Platinum debit card”.
Source
bob Senior Citizen Privilege Scheme — official product page
Page / section
Published account type and access benefits
Accessed
21 Aug 2026
Confidence
high
Open official source ↗
Cheque book50 cheque leaves per financial yearView source
The manually reviewed product name/benefits state: “50 cheque leaves per financial year”.
Source
bob Senior Citizen Privilege Scheme — official product page
Page / section
Published account type and access benefits
Accessed
21 Aug 2026
Confidence
high
Open official source ↗

Benefits and features

  • Visa Platinum debit card
  • 50 cheque leaves per financial year
  • Weekly sweep
  • Conditional locker, demat and reverse-mortgage concessions

Eligibility

  • Resident Indians aged 60 and above are eligible.
  • Pension credit may be received through the account.
  • Existing savings or pension accounts may convert under the published conditions.

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

Related official documents

Bank of Baroda account pages and account service-charge scheduleofficial-product-pages-and-schedule · current · accessed 29 Aug 2026
↗
FFD Schemes for Website — official Bank of Baroda PDFofficial-document · current · accessed 29 Aug 2026
↗
Bank of Baroda non-salary current, savings and scheme accountsofficial-product-pages · current · accessed 29 Aug 2026
↗
Bank of Baroda Savings Bank Deposits — current rate scheduleofficial-rate-table · current · accessed 6 Sept 2026
↗
bob Senior Citizen Privilege Scheme — current product pageofficial-product-page · current · accessed 6 Sept 2026
↗

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Interest you may earn₹2,500two thousand five hundred rupees
Balance including interest₹1,02,500one lakh two thousand five hundred rupees

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SB114 · Scheme namebob ADVANTAGE SB_PEN

This value is copied from Bank of Baroda scheme parameters — complete table. Check the table notes before relying on it.

Source: Schemes for Website — official Bank of Baroda · Pages 1–2, complete table Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 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

Scroll sideways to view every column

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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