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Comparison Table of Savings Product

  • Comparison
Sr. Name of the Product bob Super Savings bob Professional
Savings Account		 bob Platinum bob Senior
Vishesh Samman		 bob Women Sapphire bob Masterstroke LITE bob Masterstroke
1 Eligble Clients All Resident Individuals
(Salaried, Business,
Professionals etc.)
Only Metro & Urban Branches		 Professionals holding
Govt-approved Degree:
Doctors, B.Tech/M.Tech/BE,
CA/ICWA/CS/CFA,
MCA/MBA, LLB/LLM etc.
(1st applicant must be
Professional, 21 yrs+)		 All Resident Individuals
(except Minors)
Staff also allowed		 Senior Citizens
60 years & above
(Singly or Jointly)
1st holder must be
Senior Citizen		 Women (Singly or Jointly)
1st holder must be Women		 All including NRIs All Individuals incl. NRIs
(Minors not allowed)
2 Eligible Branches Metro/Urban only All Branches All Branches All Branches All Branches All Branches All Branches
3 MAB Rs. 20,000/- Rs. 25,000/- Rs. 1,00,000/- Rs. 1,00,000/- Rs. 1,00,000/- Rs. 5,00,000
OR Rs. 2,50,000 (SB)
+ Rs. 5,00,000 (TD)		 Rs. 10,00,000
OR Rs. 5,00,000 (SB)
+ Rs. 10,00,000 (TD)
4 Cash Deposit Charges - Base Branch Free up to 5 txns/month
Rs.50/txn beyond
(Metro-Urban branch)		 Free up to 5 txns/month
Rs.50/txn beyond
(Metro-Urban branch)		 Free up to 10 txns/month
for cash deposit
in non-base branch
Beyond 10:
Metro/Urban: Rs.50/txn
Rural/Semi-Urban: Rs.40/txn		 Free up to 10 txns/month
for cash deposit
in non-base branch
Beyond 10:
Metro/Urban: Rs.50/txn
Rural/Semi-Urban: Rs.40/txn		 Free up to 10 txns/month
for cash deposit
in non-base branch
Beyond 10:
Metro/Urban: Rs.50/txn
Rural/Semi-Urban: Rs.40/txn		 Free up to 10 txns/month
for cash deposit
in non-base branch
Beyond 10:
Metro/Urban: Rs.50/txn
Rural/Semi-Urban: Rs.40/txn		 Free up to 10 txns/month
for cash deposit
in non-base branch
Beyond 10:
Metro/Urban: Rs.50/txn
Rural/Semi-Urban: Rs.40/txn
5 Cash Deposit Charges - Non-Base Branch Free up to 5 txns/month
(across all branches)
Rs.50/txn beyond		 Free up to 5 txns/month
Rs.50/txn beyond
(Metro-Urban)		 Free up to Rs.1L/day
Above: as per Bank norms		 Free up to 10 txns/month
(non-base branch)
Beyond 10:
Metro/Urban: Rs.50/txn
Rural/Semi-Urban: Rs.40/txn		 Free up to Rs.1L
Thereafter as per Bank's
extant guidelines		 Free up to 10 txns/month
(non-base branch)
Beyond 10:
Metro/Urban: Rs.50/txn
Rural/Semi-Urban: Rs.40/txn		 Free up to Rs.1L/day
Above: as per Bank norms
6 Cash Deposit Charges - Outstation Branch Free up to 5 txns/month
(any branch)
Rs.50/txn beyond		 Free up to 5 txns/month
(any branch)
Rs.50/txn beyond		 Free up to 5 txns/month
(any branch)
Rs.50/txn beyond		 Free up to 5 txns/month
(any branch)
Rs.50/txn beyond		 Free up to 5 txns/month
(any branch)
Rs.50/txn beyond		 Free up to 5 txns/month
(any branch)
Rs.50/txn beyond		 Free up to 5 txns/month
(any branch)
Rs.50/txn beyond
7 Cash withdrawal - Base Branch Free up to 5 txns/month
Rs.125/txn beyond
(Metro-Urban)
Max Rs.50,000/day
(Non-Base/Outstation)		 Free up to 5 txns/month
Rs.125/txn beyond
(Metro-Urban)
Max Rs.50,000/day		 Free up to 5 txns/month
Rs.125/txn beyond
(Metro-Urban)		 Free up to 5 txns/month
Rs.100/txn beyond
(Senior Citizen – any branch)
Max Rs.50,000/day		 Free up to 5 txns/month
Rs.100/txn beyond
(Senior Citizen – any branch)
Max Rs.50,000/day		 Free up to 10 txns/month
(non-base branch)
Beyond 10:
Metro/Urban: Rs.50/txn
Rural/Semi-Urban: Rs.40/txn		 Free up to 5 txns/month
Rs.125/txn beyond
(Metro-Urban)
8 Cash withdrawal -Non-Base Branch Free up to 5 txns/month
(across all branches)
Rs.125/txn beyond
Max Rs.50,000/day
(self-cheque only)		 Free up to 5 txns/month
Rs.125/txn beyond
Max Rs.50,000/day
(self-cheque only)		 Free up to 5 txns/month
Rs.125/txn beyond
Max Rs.50,000/day
(self-cheque only)		 Free up to 5 txns/month
Rs.100/txn beyond
(Senior Citizen – any branch)
Max Rs.50,000/day
(self-cheque only)		 Free up to 5 txns/month
Rs.100/txn beyond
(Senior Citizen – any branch)
Max Rs.50,000/day		 Free up to 5 txns/month
Rs.100/txn beyond
(Senior Citizen – any branch)
Max Rs.50,000/day		 Free up to 5 txns/month
Rs.125/txn beyond
Max Rs.50,000/day
(self-cheque only)
9 Cash withdrawal - Outstation Branch Free up to 5 txns/month
(any branch)
Rs.125/txn beyond
Max Rs.50,000/day
(self-cheque only)		 Free up to 5 txns/month
Rs.125/txn beyond
Max Rs.50,000/day
(self-cheque only)		 Free up to 5 txns/month
(any branch)
Rs.125/txn beyond
Max Rs.50,000/day
(self-cheque only)		 Free up to 5 txns/month
Rs.100/txn beyond
(Senior Citizen – any branch)
Max Rs.50,000/day
(self-cheque only)		 Free up to 5 txns/month
Rs.100/txn beyond
(Senior Citizen – any branch)
Max Rs.50,000/day
(self-cheque only)		 Free up to 5 txns/month
Rs.100/txn beyond
(Senior Citizen – any branch)
Max Rs.50,000/day
(self-cheque only)		 Free up to 5 txns/month
(any branch)
Rs.125/txn beyond
Max Rs.50,000/day
(self-cheque only)
10 DD Unlimited Free
(for personal needs)		 NA Unlimited Free
(for personal needs)		 NA Free Issuance:
1 Travel/Gift Card/quarter
(DD charges: standard rates)		 Free Unlimited Free Unlimited
11 BC Unlimited Free
(for personal needs)		 NA Unlimited Free
(for personal needs)		 NA Free Issuance:
1 Travel/Gift Card/quarter
(DD charges: standard rates)		 Free Unlimited Free Unlimited
12 LOCKER No Discount No Discount 10% Discount on Annual Locker Charges
(Small & Medium, 1 locker only)
Base rates (Metro/Urban):
A: Rs.1,500 → Pay Rs.1,350
B: Rs.2,000 → Pay Rs.1,800
Priority allotment		 20% Discount on
Any One Locker
(1st holder only)
Max discount: Rs.500/-		 20% Discount on Locker
(1st holder only, max Rs.500/-)
Base rates (Metro/Urban):
A: Rs.1,500 → Pay Rs.1,200
B: Rs.2,000 → Pay Rs.1,600		 Flat Rs.750/- Discount
on any size Locker
(1 locker only)
(Subject to availability)		 100% Discount
(1 Small Size Locker only)
1st holder only
(Subject to availability)
13 NEFT - Online Free Free
(bob World Internet
/ bobWorld / Branch)		 Free Unlimited Free
(from all channels)		 Free Free Unlimited Free Unlimited
14 NEFT - Offline Free Free
(bob World Internet
/ bobWorld / Branch)		 Free Unlimited Free
(from all channels)		 Free Free Unlimited Free Unlimited
15 RTGS - Online Free
(INWARD: NIL)
(OUTWARD – standard:
Rs.2L–5L: Rs.24.50
Above Rs.5L: Rs.49.50)		 Free
(bob World Internet
/ bobWorld / Branch)		 Free Unlimited Free
(from all channels)		 Free
(from all channels)		 Free Unlimited Free Unlimited
16 RTGS - Offline Free
(INWARD: NIL)
(OUTWARD – standard:
Rs.2L–5L: Rs.24.50
Above Rs.5L: Rs.49.50)		 Free
(bob World Internet
/ bobWorld / Branch)		 Free Unlimited Free
(from all channels)		 Free
(from all channels)		 Free Unlimited Free Unlimited
17 IMPS - Online Upto Rs.1,000: Rs.2.50
Rs.1,001–25,000: Rs.5.00
Rs.25,001–5L: Rs.15.00
(w.e.f. 01.10.2025)		 Standard IMPS charges:
Upto Rs.1,000: Rs.2.50
Rs.1,001–25,000: Rs.5.00
Rs.25,001–5L: Rs.15.00
(w.e.f. 01.10.2025)		 Free Unlimited 50% Discount on
normal IMPS charges:
Upto Rs.1,000: Rs.1.25
Rs.1,001–25,000: Rs.2.50
Rs.25,001–5L: Rs.7.50
(w.e.f. 01.10.2025)		 50% Discount on
normal IMPS charges:
Upto Rs.1,000: Rs.1.25
Rs.1,001–25,000: Rs.2.50
Rs.25,001–5L: Rs.7.50
(w.e.f. 01.10.2025)		 Free Unlimited Free Unlimited
18 IMPS - Offline Upto Rs.1,000: Rs.2.50
Rs.1,001–25,000: Rs.5.00
Rs.25,001–5L: Rs.15.00		 Standard IMPS charges:
Upto Rs.1,000: Rs.2.50
Rs.1,001–25,000: Rs.5.00
Rs.25,001–5L: Rs.15.00		 Free Unlimited 50% Discount on
normal IMPS charges:
Upto Rs.1,000: Rs.1.25
Rs.1,001–25,000: Rs.2.50
Rs.25,001–5L: Rs.7.50		 50% Discount:
Upto Rs.1,000: Rs.1.25
Rs.1,001–25,000: Rs.2.50
Rs.25,001–5L: Rs.7.50		 Free Unlimited Free Unlimited
20 Debit Card Variant Any Debit Card Variant
as per customer request
(subject to T&C of each card)		 RuPay Select Debit Card
(1st Year Free)
Additional: VISA Platinum
(on request for additional
account holder)
Features:
ATM limit: Rs.1,50,000/day
POS/Ecom: Rs.5,00,000/day
PA cover: Rs.10 Lakhs
Lounge, SPA, Gym, Golf access		 VISA Platinum EMV
Chip Debit Card
(Lifetime Free)		 bob Bhoomi
RuPay Select Debit Card
Features:
ATM limit: Rs.1,50,000/day
POS/Ecom: Rs.5,00,000/day
Domestic & International use
1 Domestic Lounge/qtr
(min spend Rs.5,000)
2 International Lounge/yr
1 Gym Membership/qtr
1 Golf Lesson/Round/qtr
1 Health Check-up/qtr
1 SPA/Salon session/qtr
1 Cab coupon (Rs.100)/qtr
12-month OTT membership/yr		 bob Bhoomi RuPay
Select Debit Card		 EMT Platinum Debit Card
(100% Waiver on Fee)		 VISA Opulence Debit Card
(Lifetime Free)
(1st holder only)
21 Debit Card Issuance Fee RuPay Classic: Rs.100
RuPay Platinum: Rs.300
VISA Platinum: Rs.300
(as per card variant chosen)		 1st Year Free
(RuPay Select: Std Rs.500
waived for 1st year)		 Rs.300
(VISA Platinum)
(Lifetime Free as per scheme
– NIL)		 Free
(RuPay Select: Std Rs.500
waived for scheme)		 Rs.500
(RuPay Select issuance)
(Free as per scheme)		 100% Waiver
(EMT Platinum – NIL)		 100% Waiver
(VISA Opulence – NIL)
(1st holder only)
22 Debit Card Renewal Fee RuPay Classic: Rs.200/yr
RuPay Platinum: Rs.300/yr
VISA Platinum: Rs.300/yr
(from 2nd year onwards)
(as per card variant chosen)		 As per Bank's SC
(RuPay Select: Rs.500/yr
from 2nd year onwards)		 VISA Platinum:
Lifetime Free – NIL		 As per Bank's SC
(RuPay Select: Rs.500/yr
from 2nd year onwards)		 RuPay Select:
1st Year Free
2nd Year+: Rs.500/yr
(Free as per scheme)		 100% Waiver – NIL 100% Waiver – NIL
(VISA Opulence, 1st holder only)
23 Free Transactions on Bank of Baroda ATMs 5 Free txns on BoB ATMs
(Financial + Non-Financial)
Beyond 5: Fin Rs.10/txn
Non-Fin Rs.5/txn		 5 Free txns on BoB ATMs
(Financial + Non-Financial)
Beyond 5:
Fin Rs.10/txn
Non-Fin Rs.5/txn		 5 Free txns on BoB ATMs
(Financial + Non-Financial)
Beyond 5: Fin Rs.10/txn
Non-Fin Rs.5/txn		 5 Free txns on BoB ATMs
(Financial + Non-Financial)
Beyond 5:
Fin Rs.10/txn
Non-Fin Rs.5/txn		 As per Bank's guidelines
(Std: 5 free ONUS txns)
Beyond 5: Fin Rs.10/txn
Non-Fin Rs.5/txn		 5 Free txns on BoB ATMs
(Financial + Non-Financial)
Beyond 5: Fin Rs.10/txn
Non-Fin Rs.5/txn		 50 Free ATM transactions
(via VISA Opulence card)
Beyond 50: Fin Rs.10/txn
Non-Fin Rs.5/txn
24 Free OFFUS ATM transactions Metro: 3 free OFFUS txns
Non-Metro: 5 free OFFUS txns
Beyond free:
Fin txn: Rs.23/txn
Non-Fin txn: Rs.11/txn		 Metro: 3 free OFFUS txns
Non-Metro: 5 free OFFUS txns
Beyond free:
Fin txn: Rs.23/txn
Non-Fin txn: Rs.11/txn		 Metro: 3 free OFFUS txns
Non-Metro: 5 free OFFUS txns
Beyond free:
Fin txn: Rs.23/txn
Non-Fin txn: Rs.11/txn		 Metro: 3 free OFFUS txns
Non-Metro: 5 free OFFUS txns
Beyond free:
Fin txn: Rs.23/txn
Non-Fin txn: Rs.11/txn		 Metro: 3 free OFFUS txns
Non-Metro: 5 free OFFUS txns
Beyond free:
Fin txn: Rs.23/txn
Non-Fin txn: Rs.11/txn		 Metro: 3 free OFFUS txns
Non-Metro: 5 free OFFUS txns
Beyond free:
Fin txn: Rs.23/txn
Non-Fin txn: Rs.11/txn		 Metro: 3 free OFFUS txns
Non-Metro: 5 free OFFUS txns
Beyond free:
Fin txn: Rs.23/txn
Non-Fin txn: Rs.11/txn
25 Cheque book Unlimited Free
(for personal use)		 50 Free Cheque Leaves/year
Beyond 50:
Rs.4/leaf (Metro-Urban)
or Rs.2.50/leaf (Rural/SU)		 Unlimited Free
(for personal use)		 Free Free Free Unlimited Free Unlimited
26 SMS alert facility 20 Paisa/SMS + GST
Cap: Rs.15+GST per month
(charged monthly)		 1st Year Free
2nd year+:
20 Paisa/SMS + GST
Cap: Rs.15+GST per month		 Free Unlimited Free Free Free Unlimited Free Unlimited
27 Auto sweep facility Allowed on request
Scheme: TD110
Threshold: Rs.50,000
Period: 181 days
Sweep-out: Rs.10,000 multiples
Sweep-in: Rs.1,000 multiples		 Available on written request
Scheme: TD180
Threshold: Rs.2,00,000
Period: 181 days
Sweep-out: Rs.10,000 multiples
Sweep-in: Rs.1,000 multiples
Frequency: Weekly (Monday)		 Available on Request
(FFD Facility)		 Available on Request
(FFD Facility)		 Yes (written request)
Threshold: Rs.10,00,000
Period: 181 days
Sweep-out: Rs.25,000 multiples
Sweep-in: Rs.10,000 multiples		 Yes (written request)
Resident: TD1D9
NRE: TD2D9 | NRO: TD3C9
Threshold: Rs.20,00,000
Period: 181 days
(12 months for NRE)
Sweep-out: Rs.25,000 multiples
Sweep-in: Rs.10,000 multiples
Frequency: Weekly (Monday)
28 Internet Banking Free Yes Yes Yes Yes Yes Yes
29 Mobile Banking Free Yes Yes Yes Yes Yes Yes
30 WhatsApp Banking Yes Yes Yes Yes Yes Yes Yes
31 Credit Card Subject to BOBFSL
credit underwriting policies		 Subject to BOBFSL
credit underwriting policies
(Exclusive BFSL offers)		 Subject to BOBFSL
credit underwriting policies		 Refer www.bobcard.co.in
(Subject to BOBCARDS
credit underwriting)		 Tiera Credit Card
50% Waiver on 1st year charges
(via reward points)
1st holder only;
Subject to BOBCARDS		 Lifetime Free
ETERNA CREDIT CARD
(1st holder only)		 Lifetime Free
ETERNA CREDIT CARD
(1st holder only)
32 Credit Card - Issuance Fee - - 50% Waiver on 1st year
charges via reward points		 NIL (Lifetime Free) NIL (Lifetime Free)
33 Credit Card - Renewal Fee - - - NIL (Lifetime Free) NIL (Lifetime Free)
34 DEMAT AMC 25% Discount on AMC
(1st holder only)		 1st Year DEMAT AMC: NIL
2nd year+: as per
Bank's SC		 Free Demat AMC
(subject to maintenance
of QAB as per scheme)		 Free AMC for 1st Year
(1st holder only)		 Free AMC for 1st Year
(1st holder only)		 Lifetime Free Lifetime Free
(1st holder only)
35 Gift Card Gift Card issuance:
Upto Rs.2,000: Rs.50
Rs.2,001–10,000: Rs.100
Revalidation: Rs.100		 50% Discount on issuance
Base: Upto Rs.2,000: Rs.50
→ Pay Rs.25
Rs.2,001–10,000: Rs.100
→ Pay Rs.50		 Free Issuance:
1 Travel/Gift Card
per quarter
(Base: Upto Rs.2,000: Rs.50
Rs.2,001–10,000: Rs.100)		 Free Issuance:
1 Travel/Gift Card per quarter
(Base: Upto Rs.2,000: Rs.50
Rs.2,001–10,000: Rs.100)		 50% Discount on
Issuance/Renewal Fee
Base: Upto Rs.2,000: Rs.50
→ Pay Rs.25
Rs.2,001–10,000: Rs.100
→ Pay Rs.50		 100% Waiver on
Issuance/Renewal Fee
(Gift Card: Free)
(Travel Card: Free)
36 Forex mark up - - - 1% Reduced Forex Mark-up
(Standard mark-up reduced
by 1%)		 2 bps Discount in Forex Mark-up
VISA Opulence: 2% mark-up
Eterna Card: 2% mark-up
37 Transaction Charges Upto 50 debit entries/half year:
Free
Beyond 50: Rs.15/debit entry
(Metro-Urban)
(Ledger Folio: NIL for SB)		 Upto 50 debit entries/half yr:
Free
Beyond 50: Rs.15/debit entry
(Metro-Urban)		 Free
(No Ledger Folio
or Transaction Charges)		 Free
(Discounted banking services)		 Free Free Unlimited Free Unlimited
(No Ledger Folio /
Transaction Charges)
39 Pre- closure charges NIL if closed within 14 days
of first customer transaction
NIL if closed due to death
Rs.300 if beyond 14 days
but within 1 year		 NIL if closed within 14 days
of first customer transaction
NIL if closed due to death
Rs.500+GST if beyond 14 days
but within 1 year
(as per Professional scheme)		 NIL if closed within 14 days
of first customer transaction
NIL if closed due to death
Rs.1,000+GST if beyond 14 days
but within 1 year
(as per Platinum scheme)		 NIL if closed within 14 days
of first customer transaction
NIL if closed due to death
Rs.275 if beyond 14 days
but within 1 year
(Senior Citizen rate)		 NIL if closed within 14 days
of first customer transaction
NIL if closed due to death
Rs.300 if beyond 14 days
but within 1 year		 NIL if closed within 14 days
of first customer transaction
NIL if closed due to death
Rs.300 if beyond 14 days
but within 1 year		 NIL if closed within 14 days
of first customer transaction
NIL if closed due to death
Rs.300 if beyond 14 days
but within 1 year
40 MAB Charges 6% of Actual Shortfall
(Monthly basis)
Min: Rs.50 | Max: Rs.400
(SB117 as per SC table)
Note: Zero charges w.e.f.
01.07.2025 (non-premium)		 6% of Actual Shortfall
(Monthly basis)
Min: Rs.50 | Max: Rs.200
(SB194 – as per SC table)
Note: If QAB falls below
benchmark, all features
withdrawn; restored next
quarter on maintenance		 6% of Actual Shortfall
(Monthly basis)
Min: Rs.50 | Max: Rs.334
(SB171 – Premium SB)
(Exempt from 01.07.2025
zero charge waiver)		 6% of Actual Shortfall
(Monthly basis)
Min: Rs.50 | Max: Rs.500
(SB195 – Premium SB)
(Exempt from 01.07.2025
zero charge waiver)		 6% of Actual Shortfall
(Monthly basis)
Min: Rs.50 | Max: Rs.500
(SB105 – Premium SB)
(Exempt from 01.07.2025
zero charge waiver)		 If MAB < Rs.2.50L:
6% of shortfall from Rs.5L
Min: Rs.150 | Max: Rs.750

If MAB Rs.2.50L–5L
& TD < Rs.5L:
6% of shortfall from Rs.5L
Min: Rs.100 | Max: Rs.500

If MAB Rs.2.50L–5L
& TD ≥ Rs.5L: NIL
If MAB ≥ Rs.5L: NIL
(SB140/240/340 – Premium SB)		 MAB ≥ Rs.10L: NIL
MAB Rs.5–10L + TD ≥ Rs.10L: NIL
MAB Rs.5–10L + TD < Rs.10L:
Rs.500+GST/month
(50% of Rs.1,000)
MAB < Rs.5L:
Rs.1,000+GST/month
(SB116 – Premium SB)
Min: Rs.200 | Max: Rs.1,000
(6% shortfall basis)
41 DSBS - 1 Free Service per Month
(via DSBS App)
(only on QAB above
Rs.1,00,000/-)
Std charge: Rs.75+GST/service		 - Free 2 Services per Month
(via DSBS App)
Std charge: Rs.75+GST/service		 Free 1 Service per Quarter
(via DSBS App)
Std charge: Rs.75+GST/service		 1 per Month
(Free – waived for scheme)
Std charge: Rs.75+GST/service		 5 per Quarter
(Free – waived for scheme)
Std charge: Rs.75+GST/service
43 Waiver in processing charges on Home Loans, Mortgage Loans*         - - Discounts in Retail Loans
(refer scheme for exact %)		 50% Waiver on Home Loan
Processing Charges
Base:
Upto Rs.50L: 0.50%
(Min Rs.8,500, Max Rs.15,000)
→ Pay 0.25% after waiver
Above Rs.50L: 0.25%
(Min Rs.8,500, Max Rs.25,000)
→ Pay 0.125% after waiver
(New loans only; 1st holder;
not for existing loans)		 50% Waiver on Home Loan
Processing Charges
Base:
Upto Rs.50L: 0.50%
(Min Rs.8,500, Max Rs.15,000)
→ Pay 0.25% after waiver
(New sanctions only;
subject to out-of-pocket
expenses recovery)		 100% Waiver on Home &
Mortgage Loan Processing
Base:
Home: 0.50% / 0.25%
Mortgage TL: 1%
→ NIL after 100% waiver
(New loans only; subject to
recovery of out-of-pocket
expenses)
44 Waiver in processing charges on Auto, Personal Loans and Education Loans* - - Discounts in Retail Loans
(refer scheme for exact %)		 50% Waiver on Processing
Charges
Base: Car Loan:
Upto Rs.10L: Rs.1,500
Above Rs.10L: Rs.2,000
Personal Loan: 2%
(Min Rs.1,000, Max Rs.10,000)
→ 50% waiver on above
(New loans; 1st holder;
not for existing loans)		 50% Waiver on Processing
Charges
Base rates as standard
→ 50% waiver applied
(New sanctions only;
subject to out-of-pocket
expenses recovery)		 100% Waiver on Auto,
Personal & Education
Loan Processing
Base:
Car Loan: Rs.1,500–2,000
Personal: 2% (Min Rs.1,000)
Education: 1% (Max Rs.10,000)
→ NIL after 100% waiver
(New loans only; subject to
out-of-pocket expenses)
45 Concession in Interest Rates of aUTO Loans, Home, Mortgage, Personal & Education Loans* - - Discounts in Retail Loans
(refer scheme for exact %)		 Discounts & concession
on interest rates
(as per scheme T&C)		 0.10% concession on
4-Wheeler, Home, Mortgage,
Personal & Education Loans
(New loans; 1 loan only;
upto Rs.10L of loan amount;
ROI not below min rate;
benefit reflects next quarter
after MAB confirmation)		 0.25% concession on
4-Wheeler, Home, Mortgage,
Personal & Education Loans
(New loans; 1 loan only;
upto Rs.10L of loan amount;
ROI not below min rate;
benefit reflects next quarter
after MAB confirmation)
46 Waiver in processing charges on Reverse Mortgage Loans*         - - 50% Waiver on
Processing Fees for
Reverse Mortgage Loan
(New loans only;
1st holder only;
not for existing loans)
Base: 0.20% (Upfront Rs.8,500
Max Rs.10,000)
→ Pay 0.10% after waiver		 - - -
47 Scheme Conversion (to) Allowed; subject to T&C
of target product		 Allowed; subject to T&C
of target product
(Recovery of relevant
charges of SB194 scheme)		 Allowed; subject to
undertaking to maintain
QAB as per product		 Senior Citizens SB a/cs
with avg balance of Rs.1L
for last 2 months (or
declaration to maintain)
may convert to this scheme		 General SA
(on MAB breach or
customer request)		 Allowed
(If balance below benchmark
for 3 months, may be
converted to normal SB a/c;
all features withdrawn)		 Allowed
(Scheme code &
SOL Transfer allowed)
(3 months continuous
breach → converted to
normal SB a/c;
all features withdrawn)
48 Scheme Conversion (from) General SA Existing account holders
(if eligible) can transfer
into SB194 subject to
declaration to maintain
MAB of Rs.25,000/-		 Allowed from other schemes;
subject to undertaking to
maintain QAB		 General Senior Citizen SA General SA General SA General SA
(Scheme code &
SOL Transfer allowed)
49 Free Personal Accident Insurance (PAI+PPD+PTD)* (linked with the Debit card) - Personal Accident &
Total Disability:
Rs.10 Lakhs
(via RuPay Select card)		 PAI via VISA Platinum card
(as per card benefits)		 Personal Accident &
Permanent Total Disability:
Rs.10 Lakhs
(via bob Bhoomi
RuPay Select card)
*Min 1 successful RuPay
txn in 30 days before
accident required		 - Air Accident Insurance:
up to Rs.50 Lakhs
Personal Accident &
Permanent Disability:
up to Rs.10 Lakhs
(via EMT Platinum card)		 Air Accident Cover:
Rs.1 Crore (VISA Opulence)
Non-Air Accident:
Rs.10 Lakhs (VISA Opulence)
Accidental Death via
Eterna Card:
Air: Rs.1 Cr | Non-air: Rs.10L
50 Free Additional Air Accident Cover* (linked with the Debit card) - - - Yes, Rs.50 Lakhs Yes, Rs.1 Crore
51 Total Accident Insurance Cover* (linked with the Debit card) - Personal Accident &
Total Disability:
Rs.10 Lakhs
(via RuPay Select card)		 PAI as per card benefits Personal Accident &
Permanent Total Disability:
Rs.10 Lakhs
(via bob Bhoomi
RuPay Select card)		 Cancer Coverage: Rs.10 Lakhs
(post maintenance of MAB
Rs.1L; upto 60 years of age)		 Air Accident: Rs.50 Lakhs
Personal Accident &
Permanent Disability:
Rs.10 Lakhs		 Air Accident: Rs.1 Crore
(VISA Opulence)
Non-Air Accident:
Rs.10 Lakhs (VISA Opulence)
52 Cancel Care Plan* - - Cancer Coverage: Rs.10 Lakhs
(1st holder only;
upto 60 years of age)
Effective post MAB
maintenance of Rs.1L
Cancer prior to account
opening not covered		 - -
53 Practo Membership* - - Free Online Doctor
Consultation for
6 Family Members
15% concession on
online medicine purchase
20% concession on
Pathological tests
(via Practo App;
register with mobile no.
linked to Vishesh Samman a/c)
*Effective post MAB
maintenance of Rs.1L		 Free Online Doctor
Consultation for
6 Family Members
15% concession on
online medicine purchase
20% concession on
Pathological tests
(Effective post MAB
maintenance of Rs.1L)		 - -

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