Key facts

What the official sources publish

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

Account typeSavings-cum-pension salary account for eligible central armed police forces and veterans under the Baroda Defence Salary Package.View source

The page describes a savings-cum-pension account and identifies the central-forces salary package.

Source: Salary and Pension Solutions for Indian Central Armed Police Forces Personnel
Page / section: Overview /
Accessed: 29 Aug 2026
Confidence: high

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EligibilityRegular employees or pensioners of Assam Rifles, Rashtriya Rifles, GREF/BRO, BSF, ITBP, NSG, SSB, CISF, CRPF, RPF, NDRF and SSF; age 18 until age 60 or retirement, whichever is earlier; salary/pension credit is required.View source

The official eligibility section lists the covered forces, age band and one-month salary/pension credit condition.

Source: Salary and Pension Solutions for Indian Central Armed Police Forces Personnel
Page / section: Eligibility
Accessed: 21 Aug 2026
Confidence: high

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Interest rateThe defence, CAPF, police and Agniveer pages do not publish a package-specific rate. These are salary savings accounts; the applicable percentage is the live Bank of Baroda Savings Bank Deposits schedule by balance slab.Effective 22 Aug 2025View source

The package pages publish benefits and eligibility but no special rate; the schedule is the current published rate for savings balances.

Source: Bank of Baroda Savings Bank Deposits — current interest-rate schedule
Page / section: Deposits — slab-wise revised rate of interest
Accessed: 29 Aug 2026
Confidence: high

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Non-maintenance chargeNo package-specific non-maintenance amount is published. The current BOB service-charge schedule states zero charges for non-maintenance on savings-bank schemes while the salary-package account remains appropriately categorized.Effective 1 Jul 2025View source

The service schedule states zero charges for non-maintenance on savings-bank schemes; package pages define the relevant salary-account status.

Source: Bank of Baroda Service Charges
Page / section: Notice to customers — savings-bank minimum-balance charges
Accessed: 29 Aug 2026
Confidence: high

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Salary / pension creditSalary or pension benefits require one month’s initial credit followed by regular salary or pension credits.View source

The eligibility section describes salary/pension credit conditions for the package.

Source: Salary and Pension Solutions for Indian Central Armed Police Forces Personnel
Page / section: Eligibility /
Accessed: 29 Aug 2026
Confidence: high

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Minimum balanceNo minimum balance is required; the interest rate follows the applicable normal savings-account rate.View source

The says the Baroda advantage savings rate applies and there is no minimum balance requirement.

Source: Salary and Pension Solutions for Indian Central Armed Police Forces Personnel
Page / section: — interest rate and minimum balance
Accessed: 29 Aug 2026
Confidence: high

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Debit cardLifetime-free RuPay Yoddha Debit Card with ₹10 lakh off-duty personal-accident death and total-disability cover; issuance, re-issuance and annual fees waived.View source

The page lists a lifetime-free Yoddha card and fee waivers.

Source: Salary and Pension Solutions for Indian Central Armed Police Forces Personnel
Page / section: Benefits in Yoddha Debit Card
Accessed: 29 Aug 2026
Confidence: high

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Cheque bookFree unlimited personalised cheque books.View source

Other Benefits lists free unlimited personalised cheque books.

Source: Salary and Pension Solutions for Indian Central Armed Police Forces Personnel
Page / section: Other Benefits
Accessed: 29 Aug 2026
Confidence: high

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ATM facilityUnlimited free transactions at all Bank ATMs.View source

The page lists free unlimited transactions at all Bank .

Source: Salary and Pension Solutions for Indian Central Armed Police Forces Personnel
Page / section: Other Benefits
Accessed: 29 Aug 2026
Confidence: high

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Personal accident coverServing personnel: salary-account PAI ₹1.25 crore flat, PTD up to ₹1.25 crore, PPD up to ₹62.5 lakh and air-accident cover ₹1.25 crore included in PAI; additional debit-card cover ₹10 lakh and credit-card cover ₹20 lakh. Veterans: pension-account PAI/PTD up to ₹50 lakh and PPD up to ₹25 lakh, plus ₹10 lakh Yoddha-card cover.View source

The page publishes serving-personnel and veteran cover amounts, including the air cover included in .

Source: Salary and Pension Solutions for Indian Central Armed Police Forces Personnel
Page / section: Insurance offerings
Accessed: 29 Aug 2026
Confidence: high

Open official source ↗

Insurance claim conditionsThe linked policy PDF names National Insurance Company Limited and shows validity up to 11 August 2026 subject to renewal. PAI/PTD/PPD claims require notification and supporting documents within 180 days; PTD/PPD definitions use accidental injury within 12 calendar months. Air-accident claims require the air ticket and boarding pass. Coverage is subject to the policy exclusions and the salary-credit conditions of the relevant package.Effective 11 Aug 2026View source

The states insurer and validity, 180-day claim notification, 12-month disability window and air-ticket/boarding-pass evidence requirements.

Source: Bank of Baroda Personal Accidental Insurance and Air Accidental coverage
Page / section: pp. 28–35 — Annexure C–V
Accessed: 29 Aug 2026
Confidence: high

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Eligibility

Regular employees or pensioners of Assam Rifles, Rashtriya Rifles, /, , , , , , , , and
age 18 until age 60 or retirement, whichever is earlier
salary/pension credit is required.

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

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Account interest estimate

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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.

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TableOutstanding balance

Up to ₹1,00,000 · Rate (% p.a.)2.50%

This value is copied from Bank of Baroda Savings Bank Deposit rate slabs used by salary packages. Check the table notes before relying on it.

Source: Bank of Baroda Savings Bank Deposits — current interest-rate schedule · Deposits — slab-wise revised rate of interest Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 10 rows · 2 columnsBank of Baroda Savings Bank Deposit rate slabs used by salary packagesThe complete published balance slab table used where salary-account pages direct customers to the savings-bank rate schedule.View tableHide table

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Bank of Baroda Savings Bank Deposit rate slabs used by salary packages
Outstanding balance	Rate (% p.a.)
Up to ₹1,00,000	2.50%
Above ₹1,00,000 to below ₹50,00,000	2.50%
₹50,00,000 to below ₹10,00,00,000	2.50%
₹10,00,00,000 to below ₹50,00,00,000	2.50%
₹50,00,00,000 to below ₹1,00,00,00,000	2.75%
₹1,00,00,00,000 to below ₹2,00,00,00,000	2.75%
₹2,00,00,00,000 to below ₹5,00,00,00,000	2.75%
₹5,00,00,00,000 to below ₹10,00,00,00,000	3.50%
₹10,00,00,00,000 to below ₹20,00,00,00,000	4.50%
₹20,00,00,00,000 and above	4.75%

Rate schedule is effective 22 August 2025 and should be rechecked before applying; salary-package pages do not publish a separate rate.

Bank of Baroda Savings Bank Deposits — current interest-rate schedule · Deposits — slab-wise revised rate of interest · effective 22 Aug 2025 · accessed 29 Aug 2026Open official source ↗

Table 2 · 8 rows · 4 columnsBank of Baroda defence, police and Agniveer salary accounts — published insurance coverCover limits transcribed from the current official salary-account pages; card add-ons are shown separately and remain subject to card policy terms.View tableHide table

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Bank of Baroda defence, police and Agniveer salary accounts — published insurance cover
Package	Personal accident / disability cover	Air accident cover	Other published benefits
Military — serving	₹1.25 crore; ₹1.25 crore; up to ₹62.5 lakh	₹1.25 crore included in	Life ₹10 lakh; Yoddha card ₹10 lakh; co-branded card ₹20 lakh
Military — veterans / Veer Naaris	/ ₹75 lakh; ₹37.5 lakh	Not separately stated	Yoddha card ₹10 lakh; co-branded card ₹20 lakh
Military — family pensioners	/ ₹37.5 lakh; ₹18.75 lakh	Not separately stated	—
Central armed police — serving	₹1.25 crore; ₹1.25 crore; ₹62.5 lakh	₹1.25 crore included in	Debit card ₹10 lakh; credit card ₹20 lakh
Central armed police — veterans	/ ₹50 lakh; ₹25 lakh	Not separately stated	Yoddha card ₹10 lakh
Police — serving	On-duty ₹75 lakh; off-duty ₹60 lakh; ₹60 lakh; ₹30 lakh	₹1 crore	Dead-body transport ₹50,000; burn/plastic surgery ₹2 lakh; daughter marriage ₹6 lakh; higher education ₹6 lakh
Police — veterans	₹30 lakh; ₹30 lakh; ₹15 lakh	Not separately stated	Ambulance ₹50,000; imported medicine ₹2 lakh; daughter marriage ₹3 lakh; higher education ₹3 lakh
Agniveer	₹1.25 crore; ₹1.25 crore; ₹62.5 lakh	₹1.25 crore included in	Life ₹10 lakh; debit card ₹10 lakh; credit card ₹20 lakh

Agniveer starts at age 18 after one month’s salary credit and is available only through the service tenure, up to four years.
The official policy states a 180-day claim-notification period and 12-month disability-definition window; all cover remains subject to exclusions and package terms.

Bank of Baroda defence, police and Agniveer salary-account pages · Insurance offerings and terms · accessed 29 Aug 2026Open official source ↗

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Salary and Pension Solutions for Indian Central Armed Police Forces Personnel

What the official sources publish

Eligibility

Related official documents

Try the numbers

Account interest estimate

Find the exact published value

Complete rates, limits and schedules

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