bob Senior Citizen Vishesh Samman Savings Account is built for senior citizens, blending financial security with everyday convenience and healthcare support.

With our exclusive bob Senior Citizen Vishesh Samman Savings Account, indulge in a suite of premium perks with Rupay Select Debit Card, access medical consultations, doorstep banking, discounts on locker and banking services

bob Senior Citizen Vishesh Samman SB

A premium savings account thoughtfully designed for senior citizens who deserve comfort, care, and convenience in their banking experience. Enjoy reliable returns, dedicated support and value added health and lifestyle services that make managing your finances simpler and more secure.

Benefits
Features
Eligibility
Documents Required
Fees and Charges
Terms and Conditions

bob Senior Citizen Vishesh Samman SB : Benefits

Note : "T&C Apply"

bob Senior Citizen Vishesh Samman SB : Features

Sr.	Parameters	bob Senior Citizen Vishesh Samman SB
1	Eligible Clients	Senior Citizens (60 years and above) (Singly or Jointly)
2	Joint Account	Allowed, First A/c holder should be Senior Citizen Benefits will be made available to 1st holder only
3	Conversion to the Scheme	Senior Citizens SB Accounts having average balance of Rs. 1.00 Lakh for last -2- months or Declaration to maintain in the present Month may be allowed to convert to the scheme.
4	Monthly Average Balance (MAB)	Rs. 1.00 Lakh
5	Maximum Balance	No upper limit
6	Charges for not Maintaining MAB	6% of the Actual Shortfall on a monthly basis subject to Minimum Rs. 50.00 & Maximum Rs. 500.00
7	Cheque book issuance charges	Free
8	Debit Card	bob Bhoomi RuPay Select
9	Debit Card Issuance Fee	Free
10	Debit Card Renewal Fee	Refer https://bankofbaroda.bank.in/digital-products/cards/debit-cards/rupay-select-debit-card, Tab Fees/Charges
11	Doorstep Banking Services (DSBS)	Free 2 Services per Month through DSBS App.
12	NEFT / RTGS	Free
13	IMPS	50% Discount of normal IMPS Charges
14	Cash handling Charges	Free up to 10 times per month for cash deposit in non-base branch and beyond which charge is to be applied at Rs 50/-, in Metro/Urban and Rs 40/-in Rural/Semi Urban
15	FFD Facility	Available on request
16	Locker Charges Discount	20% discount on Any one Locker in the name of 1st Holder only upto maximum Rs 500/-.
17	Gift & Travel Card	Free Issuance for 1 Travel / Gift Card per quarter
18	SMS / Email Alert Charges	Free
19	Debit Card Transactions in our bank ATM / Other Bank ATM	Refer https://bankofbaroda.bank.in/interest-rate-and-service-charges/service-charges Under Digital Banking Product Related Charges
20	Credit card	Refer https://www.bobcard.co.in/
21	Concession in Demat AMC	Free AMC for 1st year for the Account in the name of 1st Holder only.
22	Nomination	Allowed, as per Bank’s extant guidelines.
23	Practo Offer*	Free Online Doctor consultation for 6 Family members. Concession on medicine purchase (online) upto 15%. Concession on Pathological test upto 20%. To be availed via Practo App, by registering through the phone no linked with the bob Vishesh Samman Account
24	Discount in Processing charges	50% waiver in Processing charges for Reverse Mortgage. (only on New Sanctions (only on -1- Loan Account) in the name of 1st Account holder only and not applicable for existing Loans)

Please Note:

Upon maintaining the requisite monthly average balance, the benefits associated with Practo shall become applicable and effective from the subsequent month.
Practo Benefits will start post maintenance of MAB of Rs. 1 Lac. The customer has to download the Pratco App and register it with the mobile no. registered with the Vishesh Samman Scheme to avail the services.

Features of Bhoomi Rupay Select Debit Card

Daily cash withdrawal limit of Rs. 1,50,000 from ATM.
Daily POS/E-commerce transaction limit up to Rs 5,00,000.
Card can be used for domestic as well as international transactions.
Personal Accident Insurance (Accident Death or Permanent Total Disability) cover up to Rs. 10 lakhs*
Access to Domestic airport and international airport lounges. For list of lounges, please visit
One Complimentary Domestic Airport Lounge access per Quarter on spends of ₹5,000 or more (POS/e-commerce transactions only) in the previous Quarter (w.e.f 15.10.2025).
Two Complimentary International Airport Lounge Access per Calendar Year** (w.e.f 01.04.2025)
One Complimentary Gym Membership every quarter (90 days for Home Workouts or 30 days for the Offline Workout)
One Complimentary Golf Lesson or Round every quarter
One Complimentary health check-up package every quarter
One Complimentary SPA session or Salon Service every quarter
One Complimentary INR100/- coupon for cab service every quarter
One Complimentary 12 months Prime Video or Zee 5 HD or SonyLIV membership every year
Exclusive offers from partner merchants. Please visit: www.rupay.co.in/rupay-offers
For international use, the card can be used at ATM/POS terminals displaying discover, diners club international or pulse logos.
E-commerce transactions wherever RuPay cards are accepted.
Secured PIN & CVD2 for online transactions.
Acceptable at all NFS ATMs and RuPay POS across India.
Contactless transactions up to Rs. 5,000 can be done without PIN at POS.
To avail the complimentary Benefits. Please visit https://www.rupay.co.in/. To know more about the process Click here
*The insurance facility is being managed by RuPay. Cardholder needs to perform minimum one successful RuPay Card induced financial transaction at any POS/Ecom (on us or off us) within 30 days prior to date of accident including accident date of RuPay Cardholder, to be eligible for coverage.
**For each quarter, the lounge access period begins on the 15th of the month following the end of the spend eligibility period.

Please Note:

Features of Debit card are subject to change from time to time. For latest update/offers, please visit the https://bankofbaroda.bank.in/digital-products/cards/debit-cards/rupay-select-debit-card

bob Senior Citizen Vishesh Samman SB : Eligibility

Age: Above 60 years

bob Senior Citizen Vishesh Samman SB : Documents Required

List Of Valid KYC Documents For Account Opening
Permanent Account Number (PAN)/ FORM60 is mandatorily to be obtained while opening of the accounts as per extant Reserve Bank of India Guidelines.
Officially Valid Documents (OVDs) for Accounts of Individuals	Passport Driving license with photo Proof of possession of Aadhaar Number Voter’s Identity Card issued by Election Commission of India, Job card issued by NREGA duly signed by an officer of the State Government. Letter issued by the National Population Register containing details of Name and Address.
Deemed Officially Valid Documents, In case OVD does not contains current/ updated address. (At least one document from the list is Required.)	Utility bill of any service provider i.e. electricity, telephone, postpaid mobile phone, piped gas, water bill (not more than two months old) Property or Municipal Tax receipt; Pension or family pension payment orders (PPOs) issued to retired employees by Government Departments or Public Sector Undertakings, If they contain the address; Letter of allotment of accommodation from employer issued by State or Central Government departments, statutory or regulatory bodies, and public sector undertakings, scheduled commercial banks, financial institutions and listed companies. Similarly, leave and license agreements with such employers allotting official accommodation;

bob Senior Citizen Vishesh Samman SB : Fees and Charges

For Interest Rates & Charges please “Click Here”

Charges for not Maintaining MAB	6% of the Actual Shortfall from MAB, on a monthly basis subject to Minimum Rs. 50.00 & Maximum Rs. 500.00

Charges for not Maintaining MAB

6% of the Actual Shortfall from MAB, on a monthly basis subject to Minimum Rs. 50.00 & Maximum Rs. 500.00

bob Senior Citizen Vishesh Samman SB : Terms and Conditions

Important Term and Conditions
All the benefits are available such as Online Doctor Consultations, Free Issuance of Premium Debit Card, Locker Discounts, DSBS Services are available for 1st Name Account holder only. The second holder can only operate the account. Any services such as Debit Card, Locker, DSBS etc. availed by additional Account holders will be chargeable as per Service Charges Schedule of Bank. The 3rd party services like Online Doctor Consultations will only be available to the customers post maintaining the required MAB and the explicit consent submitted. In case the MAB is not maintained, these services will not be made available, and no claim will be made in case of insurance. The Bank will not be responsible or liable for any third party services, any claim, dispute, compensation, loss, or damage arising from or related to any dispute arising between customer and the third-party service provider. Only -1- Discount /Waiver / Concession is to be provided from -2- or more Discount /Waiver / Concession if any running at that time, however higher of all may be provided to the Account Holders. Discount on Processing Charges to be offered only on New Sanctions (only on -1- Loan Account, opened after the account opening under the scheme) in the name of 1st Account holder only and not to applicable for existing Loans. FFD facility will be provided on request basis only for Account open as well as Account conversion. Flexi Fixed Deposit (FFD) will not be available in the Account by default. The Customer has to raise a request for the FFD with Branch. At the time of the Scheme transfer out from Vishesh Samman Sb Scheme, FFD facility will be cancelled from the Account irrespective of Target Scheme have FFD or not. In case of Death of 1st Holder, Account Scheme to be changed to Eligible category of SB scheme based on the Surviving Members eligibility with required notices as per Bank’s process. Features will be available only till the Account remains in the Vishesh Samman Savings Bank scheme code. In case of Closure or Scheme Code Conversion to other Schemes, all the Features, Discount, Waiver and Concessions will be withdrawn from the date of closure or transfer out. Property Mortgage Charges and other Out of Pocket Charges in Retail Loans as per Bank’s latest Schedule of Service Charges are to be borne by the Women Sapphire Savings Bank Account Holders. No Concessions are provided in these charges under this scheme.

Important Term and Conditions

All the benefits are available such as Online Doctor Consultations, Free Issuance of Premium Debit Card, Locker Discounts, DSBS Services are available for 1st Name Account holder only. The second holder can only operate the account.
Any services such as Debit Card, Locker, DSBS etc. availed by additional Account holders will be chargeable as per Service Charges Schedule of Bank.
The 3rd party services like Online Doctor Consultations will only be available to the customers post maintaining the required MAB and the explicit consent submitted. In case the MAB is not maintained, these services will not be made available, and no claim will be made in case of insurance.
The Bank will not be responsible or liable for any third party services, any claim, dispute, compensation, loss, or damage arising from or related to any dispute arising between customer and the third-party service provider.
Only -1- Discount /Waiver / Concession is to be provided from -2- or more Discount /Waiver / Concession if any running at that time, however higher of all may be provided to the Account Holders.
Discount on Processing Charges to be offered only on New Sanctions (only on -1- Loan Account, opened after the account opening under the scheme) in the name of 1st Account holder only and not to applicable for existing Loans.
FFD facility will be provided on request basis only for Account open as well as Account conversion. Flexi Fixed Deposit (FFD) will not be available in the Account by default. The Customer has to raise a request for the FFD with Branch.
At the time of the Scheme transfer out from Vishesh Samman Sb Scheme, FFD facility will be cancelled from the Account irrespective of Target Scheme have FFD or not.
In case of Death of 1st Holder, Account Scheme to be changed to Eligible category of SB scheme based on the Surviving Members eligibility with required notices as per Bank’s process.
Features will be available only till the Account remains in the Vishesh Samman Savings Bank scheme code. In case of Closure or Scheme Code Conversion to other Schemes, all the Features, Discount, Waiver and Concessions will be withdrawn from the date of closure or transfer out.
Property Mortgage Charges and other Out of Pocket Charges in Retail Loans as per Bank’s latest Schedule of Service Charges are to be borne by the Women Sapphire Savings Bank Account Holders. No Concessions are provided in these charges under this scheme.

Withdrawal(s) & use of Withdrawal Form (Slip)

Withdrawals will be allowed either by withdrawal forms or by cheques. Payment against withdrawal form along with passbook is allowed for self only with per day limit of Rs. 25000/- (Minimum Rs. 25/- in Rural/SU and Rs. 50/- in Metro/Urban).

Transfer of Account/ Scheme

Upon submission of application along with pass book and unused cheque leaves the account can be transferred to another branch/ scheme free of charge.

Interest Calculation and Frequency

Interest for the period February to April will be credited in May, Interest for May to July will be credited in August, interest for August to October will be credited in November and interest for November to January will be credited in February every year.

Dormant/ Inoperative Account

Account becomes inoperative/dormant if there are no customer induced transactions in Savings account for over a period of two years. Interest is continued to be applied in all such Savings Bank accounts. No charges are levied for in-operation of accounts
Activation/Closure of Dormant/Inoperative accounts will be done after submission of necessary KYC documents, photo, fresh specimen signature, subject to satisfaction of the Bank.
All Accounts which have remained inoperative/dormant for a period of 10 years and above will be treated as unclaimed deposits and will be transferred to RBI. Upon receipt of the request from the customer such deposits will be returned subject to conditions.

Nomination Facility

Nomination facility available.

Rules for Transfer/ inter-sol transfer/clearing transactions and charges

Transfer Transaction at base branch Allowed freely without any limit.
Transfer Transaction at Non-base branch (local as well as outstation) normally allowed only at a branch where either drawer or payee maintains account. However, for genuine transactions, Branch Head is authorized to allow transactions at non-base branch (where neither drawer nor payee maintains account) on case to case basis subject to certain conditions.

Disclosure of Information

The Bank may disclose information about customer’s account, if required and permitted by law, rule or regulations, or at the request of any public or regulatory authority or if such disclosure is required for the purpose of preventing frauds, or in public interest, without specific consent of the account holder(s).
All relevant policies including code of commitments to customers and grievance redressal policy are available at the branches.
MITCs OF ATM/DEBIT Card, Mobile Banking, Net-Banking in Application Forms are available separately.
The Bank will notify, 30 days in advance, any change in terms and conditions/ Fees and charges on its website.
Deposits along with interest kept in different branches of our Bank is insured by Deposit Insurance & Credit Guarantee Corporation (DICGC) maximum upto Rs 5,00,000/- (Rs 5 lakh).

Transactions

Transactions of saving oriented nature are permitted. Commercial transactions are non-allowable transactions. If non allowable transactions are noticed then Bank may close the account with prior notice/intimation citing reasons thereof.