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Savings, current & salary accounts

bob Women Sapphire Savings Account

A premium savings account for women requiring ₹1 lakh MAB, with free RuPay Select debit-card issuance and conditional cancer-care, healthcare, locker and home-loan benefits.

Monthly average balance₹1 lakhCurrent MAB non-maintenance charge₹0 under the official comparison schedule's waiver effective 1 July 2025; the live product page still displays the earlier 6% shortfall chargeConditional cancer-care coverage₹10 lakh, available up to age 60 after the required prior-month MAB is maintained
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✓ Manually checked 13 Aug 2026 · active
bob Women Sapphire Savings Account official product artwork
Offered byBank of Baroda

Bank of Baroda branches and supported digital onboarding channels 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.

Monthly average balance₹1 lakh
Source 1
Current MAB non-maintenance charge₹0 under the official comparison schedule's waiver effective 1 July 2025; the live product page still displays the earlier 6% shortfall chargeEffective 1 Jul 2025
Source 2
Conditional cancer-care coverage₹10 lakh, available up to age 60 after the required prior-month MAB is maintained
Source 3
Free doorstep-banking services1 per quarter through the DSBS app
Source 4
Published Practo benefitsOnline doctor consultation for 6 family members, up to 15% medicine discount and up to 20% pathology discount
Source 5
PDF eligibility, balance and cash-service termsWomen singly/jointly; first holder woman; all branches; ₹1 lakh MAB. Deposits: base first 10/month then ₹50/₹40; non-base free up to ₹1 lakh then bank guidelines; outstation first 5 then ₹50. Withdrawals first 5 then ₹100, maximum ₹50,000/day by self-cheque; the PDF anomalously labels the concession 'Senior Citizen - any branch' in this product columnEffective 7 May 2026
Source 6
PDF payment, card, channel and ancillary termsOne travel/gift card per quarter free; DD standard rates; locker 20% discount, maximum ₹500; NEFT/RTGS free; IMPS 50% discount to ₹1.25/₹2.50/₹7.50. bob Bhoomi RuPay Select issuance free, first year free then ₹500/year; ATM allowances and ₹10/₹5 or ₹23/₹11 excess charges; cheque/SMS free; digital channels; Tiera credit card 50% first-year waiver via reward points. Demat first year free; folio free; closure ₹300; MAB shortfall 6%, ₹50-₹500 but zero-charge waiver from 1 July 2025; one doorstep service/quarter then ₹75+GSTEffective 7 May 2026
Source 7
PDF lending, conversion, cancer-care and health termsHome/mortgage processing 50% waiver with published base bands; auto/personal/education processing 50% waiver, including the PDF's internally impossible personal-loan minimum ₹13,000 and maximum ₹10,000; interest concessions by scheme; General Savings conversion allowed. Cancer cover ₹10 lakh for first holder up to age 60 after ₹1 lakh MAB, excluding pre-existing cancer. Practo: 6 family members, 15% medicine and 20% pathology concessionsEffective 7 May 2026
Source 8

Benefits and features

  • Free bob Bhoomi RuPay Select debit-card issuance
  • Free cheque-book issuance, NEFT and RTGS
  • One complimentary doorstep-banking service per quarter
  • Conditional cancer-care and healthcare benefits

Eligibility

  • The account may be held singly or jointly; for joint accounts, the first holder must be a woman and receives the benefits.
  • Cancer coverage and partner healthcare benefits depend on maintaining the preceding month's ₹1 lakh MAB.
  • Cancer detected before opening is excluded, and the published cancer cover is unavailable after age 60.

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

Field-level evidence

Where each fact came from

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

1

Monthly average balance

high confidence
The required MAB controls eligibility for several linked health and insurance benefits.
Source
bob Women Sapphire Savings Account
Page / section
Features — Monthly Average Balance
Accessed
13 Aug 2026
Open official source ↗
2

Current MAB non-maintenance charge

medium confidence
The newer official PDF marks the former 6% charge as exempt under a zero-charge waiver effective 1 July 2025; the HTML feature table has not been reconciled and still shows the earlier formula.
Source
Bank of Baroda Comparison of Premium Savings Bank Products
Page / section
Page 3 — MAB Charges, bob Women Sapphire
Accessed
13 Aug 2026
Open official source ↗
3

Conditional cancer-care coverage

high confidence
Pre-existing detection before account opening is excluded; the benefit starts only after maintaining the required MAB and ceases after age 60.
Source
bob Women Sapphire Savings Account
Page / section
Features — Cancer coverage and notes
Accessed
13 Aug 2026
Open official source ↗
4

Free doorstep-banking services

high confidence
The complimentary service is provided through the bank's doorstep-banking app.
Source
bob Women Sapphire Savings Account
Page / section
Features — Doorstep Banking Services
Accessed
13 Aug 2026
Open official source ↗
5

Published Practo benefits

high confidence
Partner benefits take effect from the month after the requisite MAB is maintained and require registration using the account-linked number.
Source
bob Women Sapphire Savings Account
Page / section
Features — Practo Offer
Accessed
13 Aug 2026
Open official source ↗
6

PDF eligibility, balance and cash-service terms

medium confidence
The apparent source inconsistency is retained rather than silently corrected.
Source
Bank of Baroda Comparison of Premium Savings Bank Products
Page / section
Page 1, rows 1-9
Accessed
13 Aug 2026
Open official source ↗
7

PDF payment, card, channel and ancillary terms

high confidence
Every nonblank payment, card, channel and ancillary-charge 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 ↗
8

PDF lending, conversion, cancer-care and health terms

medium confidence
The PDF's contradictory personal-loan fee bounds are preserved without normalization.
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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