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₹25,000View source
The published non-maintenance charge is ₹250 per month.
- Source
- bob SMART Current Account
- Page / section
- Features and
- Accessed
- 13 Aug 2026
- Confidence
- high
Sweep parameters₹2 lakh threshold; first ₹50,000 swept at ₹2.5 lakh; 15-day tenureView source
Sweep is weekly on Monday and reverses in ₹50,000 units.
- Source
- bob SMART Current Account
- Page / section
- — Auto Sweep
- Accessed
- 13 Aug 2026
- Confidence
- high
bob SMART current-account balanceMonthly average balance is ₹25,000 and the non-maintenance charge is ₹250 per month. Cash deposits are free up to ₹2.5 lakh at any branch, subject to a 1,000-note limit.View source
The official Fees & Charges section publishes , monthly charge, cash limit and note limit.
- Source
- bob SMART Current Account
- Page / section
- Fees & Charges
- Accessed
- 23 Aug 2026
- Confidence
- high
bob SMART current-account servicesThe account includes free online NEFT/
The official Benefits and Features sections list the digital, terminal, cheque, card and discount services.
- Source
- bob SMART Current Account
- Page / section
- Benefits / Features
- Accessed
- 23 Aug 2026
- Confidence
- high
bob SMART transaction limitsThe first cheque book of 50 leaves is free and later leaves cost ₹5 each. Five branch cash withdrawals per month are free, then ₹150 per transaction. Immediate credit of outstation cheques is limited to ₹50,000, and closure within one year costs ₹800 plus GST.View source
The official Fees & Charges section publishes cheque, withdrawal, cheque-credit and closure limits.
- Source
- bob SMART Current Account
- Page / section
- Fees & Charges
- Accessed
- 23 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
Cash withdrawal limitFive free cash-withdrawal transactions per month at base, local non-base and outstation branches (excluding ATM withdrawals); subsequent transactions cost ₹150 each.View source
The SMART page publishes five free branch cash withdrawals per month, excluding withdrawals, and ₹150 thereafter.
- Source
- bob SMART Current Account
- Page / section
- Fees & Charges — Withdrawal(s)
- Accessed
- 29 Aug 2026
- Confidence
- high
Debit cardVISA Vyapaar Business Debit Card; free for the first year and charges apply thereafter.View source
The SMART page names the Vyapaar Business Debit Card and states it is free for the first year with charges thereafter.
- Source
- bob SMART Current Account
- Page / section
- Fees & Charges — Debit Card
- Accessed
- 29 Aug 2026
- Confidence
- high
Non-maintenance charge₹250 per month when the published ₹25,000 monthly average balance is not maintained.View source
The SMART page publishes ₹25,000 and a ₹250 monthly non-maintenance charge.
- Source
- bob SMART Current Account
- Page / section
- Fees & Charges — Minimum balance / non-maintenance
- Accessed
- 29 Aug 2026
- Confidence
- high
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.View source
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
FFD scheme parametersScheme CA142 (bob Smart Current Account): default FFD 15 days; sweep out above ₹2,00,000; sweep-out and sweep-in multiples ₹50,000.Effective 25 Mar 2026View source
row CA142 lists 15 days, ₹2,00,000 threshold and ₹50,000 for both sweep multiples.
- Source
- Schemes for Website — official Bank of Baroda
- Page / section
- Page 1, row 20
- Accessed
- 29 Aug 2026
- Confidence
- high
Account typeCurrent accountView source
The manually reviewed product name/benefits state: “Current account”.
- Source
- bob SMART Current Account — official product page
- Page / section
- Published account type and access benefits
- Accessed
- 13 Aug 2026
- Confidence
- high
Cheque book50 free cheque leavesView source
The manually reviewed product name/benefits state: “50 free cheque leaves”.
- Source
- bob SMART Current Account — official product page
- Page / section
- Published account type and access benefits
- Accessed
- 13 Aug 2026
- Confidence
- high
Benefits and features
- 50 free cheque leaves
- Two soundboxes under published conditions
- Free online transfers
- Overdraft eligibility up to ₹25 lakh
Eligibility
- Available to permitted individuals, businesses and institutional entities under current-account rules.
Passing a listed condition does not mean the bank will approve an application.
Documents the bank lists
- Applicable current-account and entity documents
Related official documents
Bank of Baroda current-account MITC — interest paymentofficial-product-pages · current · accessed 29 Aug 2026
↗Bank of Baroda current-account variant pages — published facilities and chargesofficial-product-pages · 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
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