Personal Loan, Auto Loan, and Housing Loan available with competitive RoI
Debit Card & Free Credit Card loaded with a wide range of benefits
Customised Health Insurance & Term Life Insurance from our insurance partners (at the cost of employees)
Eligibility & documents
What you'll need on hand to open this account.
Resident individual, age 18 or above
PAN card (mandatory)
Valid identity and address proof for digital verification
Overview
Personal Accident Insurance cover for customers aged between 18–70 years
In-built overdraft facility up to ₹ 3.00 lacs (availed after salary credit)*
Up to 100% waiver on processing charges for Home Loan, Auto Loan, Education Loan, and Personal Loan*
Unlimited free NEFT / RTGS / IMPS / UPI transactions
Unlimited free DD / BC
Unlimited free debit and credit transactions
Sweep facility available on specific request
Up to 100% discount on issuance / renewal of Prepaid / Gift Cards
Lifetime free Credit Card*
*T&C Apply
Interest rate slabs
Rate applied depends on your daily closing balance.
Balance slab
Interest rate (p.a.)
Up to ₹
%
Fees & charges
The costs that aren't the headline interest rate.
Item
Charge
Account opening fee
₹0
Non-maintenance penalty
₹0
Debit card annual fee
₹0
Physical passbook / statement
₹0
Cheque book charges
₹0
Other-bank ATM withdrawals
Official Product Brochure & Rate Sheet
Download the verified PDF document containing complete terms and conditions directly from Bank of Baroda.
Key parameters and structural features configured for bob Central Government Employees Salary Package (CGESP).
Interest rate structure & earning performance +
This account offers a competitive headline interest rate of 2.50% p.a.
Rates vary depending on your balance tier. Check the interest rate slabs breakdown above for specific slab-wise returns.
Debit card & payment access +
Includes a Multiple Card Options.
Enjoy seamless POS, e-commerce, and UPI deployment backed by your bank's digital app ecosystem.
Opening channels & digital onboarding +
Available via Branch, Doorstep.
Complete your verification swiftly with valid documentation and minimum age eligibility of 18+ years.
Account category & target segment suitability +
Configured specifically as a Salary Account
tailored for Government Employees,
ensuring optimal balance requirements and operational utility.
Rates, fees and features shown here are indicative and sourced from published rate sheets as of this listing's last update. Terms can change — always confirm current details directly with the bank before opening an account or relying on this page for a financial decision.
