BARODA ADVANTAGE SAVINGS ACCOUNT

  • Eligibility

    All resident individuals (including minors above 10 years) in single or joint names.

  • USP

    1) Caters to broad category of individuals viz. businessmen, self employed, professionals, farmers, traders, house wives,minors above the age of 10 years.
    2)Most competitively priced.

  • Salient features

    1) Auto / Reverese Sweep facility : NA
    2) Chequebook : Free 45 leaves per year thereafter chargeable @ Rs. 5/- per leaf.
    3) Debit Card : 6 variants of Debit Cards (free for 1st year)
    4) Credit Card : Available
    5) Outstation Cheque Collection : Immediate credit of outstaion cheques upto Rs. 20000/-
    6) DEMAT : Available at Standard Rates.

  • Charges for non maintenance of Minimum Balance

    1) Metro / Urban - Rs. 200/- +ST per quarter
    2) Semi Urban / Rural - Rs. 100/- +ST per quarter

  • QAB / Daily Average Balance Requirement

    1) Metro / Urban - Rs. 1000/-
    2) Urban / Rural - Rs. 500/-

  • Value Added Services

    1) 24x7 web chat facility
    2) M Clip: A mobile wallet
    3) 24x7 IMPS facility
    4) Free Miss call facility
    5) Baroda Travel easy card
    6) Baroda Gift Card

BARODA SALARY PREMIUM

  • Eligibility

    Age of the applicant should be 18 years and above. Suitable for Entry Level/Trainees

  • Salary Band

    Net Monthly Salary credit between 1.00 lakh and less than 2.00 lakh

  • Salient features

    1) Inbuilt- Overdraft facility for urgent family needs
    2) Free 100 cheque leafs per year, thereafter Rs. 5 per leaf
    3) Free Rupay Platinum Debit Card for first year
    4) 75% waiver on processing charges for Housing Loan, Auto Loan, Education Loan and Mortgage Loans. 100% waiver in Processing charges for Personal Loan
    5) Life time free Baroda Premier Credit Card with 5x reward points
    6) 15% discount on locker rentals
    7) Relationship Managers available on Phone

  • Charges for non maintenance of Minimum Balance

    Not applicable as account type is zero balance account

  • QAB / Daily Average Balance Requirement

    Zero balance account

  • Value Added Services

    1) Free Alerts
    2) Complimentary Zero Balance Account for spouse
    3) Sweep facility available on specific request
    4) 75% waiver on issuance charges for Gift/Travel card

BARODA SALARY PRIVILEGE

  • Eligibility

    Age of the applicant should be 18 years and above. Suitable for Entry Level/Trainees

  • Salary Band

    Net Monthly Salary credit more than 2.00 Lakh

  • Salient features

    1) Inbuilt- Overdraft facility for urgent family needs
    2) Free 150 cheque leafs per year, thereafter Rs. 5 per leaf
    3) Free VISA Platinum Debit Card for life.
    4) 100% waiver on processing charges for Housing Loan, Auto Loan, Education Loan and Mortgage Loans. 100% waiver in Processing charges for Personal Loan
    5) Life time free Baroda Premier Credit Card with 5x reward points
    6) 20% discount on locker rentals
    7) Relationship Managers available on Phone

  • Charges for non maintenance of Minimum Balance

    Not applicable as account type is zero balance account

  • QAB / Daily Average Balance Requirement

    Zero balance account

  • Value Added Services

    1) Free Alerts
    2) Complimentary Zero Balance Account for spouse
    3) Sweep facility available on specific request
    4) 75% waiver on issuance charges for Gift/Travel card

BARODA SUPER SAVINGS ACCOUNT

  • Eligibility

    All resident individuals (including minors above 10 years) in single or joint names.

  • USP

    1) AUTO / Reverse Sweep facility.
    2) Safe deposit lockers on priority basis subject to availablity.
    3) Free issuance of DD/BC

  • Salient features

    1) Auto / Reverese Sweep facility : Threshold limit - Rs. 50000 , Threshold amount can be increased in multiples of Rs. 1000/- , Sweep amount can be increased in multiples of Rs. 10000/- , Reverse sweep: in the multiples of Rs. 1000/- on LIFO pattern , FD Duration : 181 days
    2) Chequebook : Unlimited free chequebook.
    3) Debit Card : 6 variants of Debit Cards (free for 1st year)
    4) Credit Card : BOBCARDS "Silver" for 1st year with accidental death insurance cover of Rs. 1 lakh (provided by BOBCARDS Ltd.) under credit card scheme.
    5) Outstation Cheque Collection : Immediate credit of outsation cheques upto Rs. 25000/-
    6) DEMAT : 25% discount on charges on Annual custody & maintenance of DEMAT account.

  • Charges for non maintenance of Minimum Balance

    Rs. 1000/- +ST per quarter.

  • QAB / Daily Average Balance Requirement

    1) Metro / Urban - Rs. 20000/-
    2) Rural/ SU - NA.

  • Value Added Services

    1) 24x7 web chat facility
    2) M Clip: A mobile wallet
    3) 24x7 IMPS facility
    4) Free Miss call facility
    5) Baroda Travel easy card
    6) Baroda Gift Card

BARODA CENTENARY SAVINGS BANK ACCOUNT

  • Eligibility

    All resident individuals (including minors above 10 years) in single or joint names.

  • USP

    Caters to broad category of individuals viz. businessmen, self employed, professionals, farmers, traders, house wives, minors above the age of 10 years, HNIs, Institutions, Cooperative societies and companies.

  • Salient features

    1) Auto / Reverese Sweep facility : Threshold limit : Rs. 10000 , Threshold amont can be increased in multiples of Rs. 5000/- , Sweep amount in multiples of Rs. 5000/- , Sweep amount can be increased in multiples of Rs. 1000/- , Reverse sweep: in the multiples of Rs. 5000/- on LIFO pattern , FFD Duration : 180 days
    2) Chequebook : Unlimited free chequebook.
    3) Debit Card : 6 variants of Debit Cards (free for 1st year)
    4) Credit Card : Available.
    5) Outstation Cheque Collection : Immediate credit of outsation cheques upto Rs. 25000/-
    6) DEMAT : Available at standard rates.

  • Charges for non maintenance of Minimum Balance

    Rs. 100/- +ST per quarter.

  • QAB / Daily Average Balance Requirement

    Rs. 10000/- per quarter.

  • Value Added Services

    1) 24x7 web chat facility
    2) M Clip: A mobile wallet
    3) 24x7 IMPS facility
    4) Free Miss call facility
    5) Baroda Travel easy card
    6) Baroda Gift Card

BARODA BACHAT MITRA ACCOUNT

  • Eligibility

    All resident individuals in single or joint names.

  • USP

    1) Overdraft facility : Upto 80% of Fixed Deposit.
    2) Limit: Minimum Rs. 8,000/- and maximum Rs. 1,00,000/-
    3) Minimum amount of Fixed Deposit accepted is Rs. 10000/- thereafter in multiples of Rs. 1000/-
    4) Period of FDR : Minimum - 12 months and Maximum - 120 months.
    5) ROI : 1 % over Fixed Deposit rate with monthly rests.
    6) Charges: Minimum of Rs. 25/- during a month if overdraft facility is availed.

  • Salient features

    1) Auto / Reverese Sweep facility : NA
    2) Chequebook : Free 45 leaves per year thereafter chargeable @ Rs. 5/- per leaf.
    3) Debit Card : 6 variants of Debit Cards (free for 1st year)
    4) Credit Card : NA
    5) Outstation Cheque Collection : NA
    6) DEMAT : Available at standard rates.

  • Charges for non maintenance of Minimum Balance

    NIL

  • QAB / Daily Average Balance Requirement

    No Minimum Balance requirement.

  • Value Added Services

    1) 24x7 web chat facility
    2) M Clip: A mobile wallet
    3) 24x7 IMPS facility
    4) Free Miss call facility
    5) Baroda Travel easy card
    6) Baroda Gift Card

BARODA SALARY CLASSIC

  • Eligibility

    Age of the applicant should be 18 years and above. Suitable for Entry Level/Trainees

  • Salary Band

    Net Monthly Salary credit of less than 50,000 but more than Rs.10000

  • Salient features

    1) Inbuilt- Overdraft facility for urgent family needs
    2) Free 50 cheque leafs per year, thereafter Rs. 5 per leaf
    3) Free Baroda Rupay Classic Debit Card for first year
    4) 25% waiver on processing charges for Housing Loan, Auto Loan, Education Loan and Mortgage Loans. 100% waiver in Processing charges for Personal Loan
    5) Life time free Baroda Easy Credit Card with 5x reward points
    6) 5% discount on locker rentals
    7) Relationship Managers available on Phone

  • Charges for non maintenance of Minimum Balance

    Not applicable as account type is zero balance account

  • QAB / Daily Average Balance Requirement

    Zero balance account

  • Value Added Services

    1) Free Alerts
    2) Complimentary Zero Balance Account for spouse
    3) Sweep facility available on specific request
    4) 25% waiver on issuance charges for Gift/Travel card

BARODA SALARY SUPER

  • Eligibility

    Age of the applicant should be 18 years and above. Suitable for Entry Level/Trainees

  • Salary Band

    Net Monthly Salary credit between 50,000.00 and less than 1.00 lakh

  • Salient features

    1) Inbuilt- Overdraft facility for urgent family needs
    2) Free 75 cheque leafs per year, thereafter Rs. 5 per leaf
    3) Free Master Platinum Debit Card for first year
    4) 50% waiver on processing charges for Housing Loan, Auto Loan, Education Loan and Mortgage Loans. 100% waiver in Processing charges for Personal Loan
    5) Life time free Baroda Select Credit Card with 5x reward points
    6) 10% discount on locker rentals
    7) Relationship Managers available on Phone

  • Charges for non maintenance of Minimum Balance

    Not applicable as account type is zero balance account

  • QAB / Daily Average Balance Requirement

    Zero balance account

  • Value Added Services

    1) Free Alerts
    2) Complimentary Zero Balance Account for spouse
    3) Sweep facility available on specific request
    4) 50% waiver on issuance charges for Gift/Travel card

BARODA JEEVAN SURAKSHA SAVING ACCOUNT

  • Eligibility

    Any resident individual who has attained the age of 18 years and has not completed the age of 70 yrs. can open the account under this scheme and avail the facility of Life Insurance Cover from “IndiaFirst Life Insurance Co. Ltd” (IFLIC) upto an amount of Rs.5/- lacs after payment of required premium and submission of simple Health Declaration Form (DOGH). Insurance cover is subject to various terms and conditions.

  • USP

    Facility of getting Life Insurance Cover from “IndiaFirst Life Insurance Co. Ltd” upto an amount of Rs. 5.00 lac ( minimum Rs. 1.00 lac and thereafter in multiples of Rs. one lac) without any medical examination and only against submission of Declaration of Good Health (DOGH)”, at the cost of customer

  • Salient features

    1) AUTO SWEEP AND REVERSE SWEEP FACILITY: Auto sweep beyond threshold limit of Rs.5,000/- to short deposit of 180 days in multiple of Rs.5,000/- and in case of requirement in SB A/c auto reverse sweep in multiple of Rs.1,000/- on LIFO pattern (last in first out).
    2)Credit Card facility: - Free “CHIP BASED Credit CARD for 1st year will be provided by BOBFSL subject to meeting card issuance parameters as defined by BOBFSL.

  • Charges for non maintenance of Minimum Balance

    Charges for non-maintenance of minimum required balance is Rs.100/- plus GST, per quarter.

  • QAB / Daily Average Balance Requirement

    Opening of account by minimum Rs.1,000/- only. Minimum Balance Rs. 1,000/- on daily balance basis.

  • Value Added Services

    1) Auto Sweep Facility
    2) Insurance Cover
    3) Free CHIP Based Credit Card

INDIVIDUAL DEPOSIT JND ACCOUNT 12 MONTHS

  • Eligibility

    All individuals except minors and institutions & govt. entity

  • Nature

    Term deposit

  • Rate of interest

    2.00%

  • Joint Holder

    Not allowed

  • Minimum deposit

    No minimum criteria

  • Maximum deposit

    There is no ceiling

  • Salient features

    1) Cash deposit and Cash withdrawal not allowed
    2) NEFT/RTGS/IMPS: NA (fund transfer not allowed)
    3) ATM debit card : NA (ATM card not allowed)
    4) Cheque book : NA (Cheque book not allowed)
    5) SMS charges : NA
    6) Internet/mobile banking: NA (Baroda Connect/ M Connect not allowed)
    7) Demat account charges: NA
    8) Discount in locker charges: NA
    9) Discount on issuance of travel and gift card: NA
    10) Account should be closed after 12 months

  • Charges for non maintenance of Minimum Balance

    NIL

  • QAB / Daily Average Balance Requirement

    NIL

BARODA DEFENSE SALARY PACKAGE SAVING ACCOUNT

  • Eligibility

    All defense personnel and armed force personnel aged between 19 and 60 years.

  • USP

    1)Personal accidental insurance cover for all defense and armed force personnel aged between 19 and 60 years maintaining this account.
    2)Lifetime free selected debit card with unlimited free transactions on other Banks’ ATM.

  • Salient features

    1) Debit Card: Nil issuance and annual charges on selected debit card (lifetime free).
    2) ATM transactions: Unlimited free transactions on other Banks’ ATM.
    3) NEFT/RTGS/IMPS: No charges through Mobile Banking and Internet Banking.
    4) SMS Charges: No charges
    5) Cheque book charges: No charges
    6) DD/Banker’s Cheque charges: No charges
    7) Nomination is compulsory.

  • Charges for non maintenance of Minimum Balance

    Not applicable as account type is zero balance account.

  • QAB / Daily Average Balance Requirement

    Zero balance account.

  • Value Added Services

    1) 75% waiver of issuance charges for GIFT and Travel Card.
    2) 100% waiver in AMC charges of Depository AMC.
    3) Sweep facility available on specific request.
    4) Personal accidental insurance cover.