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Bank of BarodaBank fee profile

Bank of Baroda Banking Fees & Charges

A Bank of Baroda retail-fee profile connecting Savings/basic-account exceptions, ATM pricing, cash/cheque services and rail-specific transfer charges while keeping bob LITE card waivers separate from account balance rules.

First-party evidencePublished researchReviewed September 10, 2026Active
Open primary bank source ↗Bank dossierCompare alternatives
Account / tariff scopeThe fee profile separates account balance requirements from charges. A minimum balance or QAB can control a waiver even where the account's non-maintenance charge itself is nil.
Fee thresholds / allowancesATM free counts, cheque-leaf allowances and transfer slabs are fee thresholds, not payment/withdrawal amount limits.
Current fee postureBank of Baroda currently lists distinct ATM, cheque, branch and transfer tariffs. bob Advantage's reviewed product page states nil MAB non-maintenance charge despite a location-based balance requirement, while bob LITE is zero-balance but its RuPay Platinum annual-fee waiver has a separate QAB condition.
Product / programme / channel relationshipbob LITE's card-fee waiver is tied to its separate QAB test and must not be generalized to every RuPay Platinum cardholder.
Research processPublished by bankingreference.info

Structured from first-party bank/issuer evidence. This page does not claim personal hands-on product use unless that experience is explicitly stated.

5 first-party sources
Last checkedSeptember 10, 2026

Recorded source review date, not a claim that the product changed that day.

Maintenance stateWithin scheduled review window

Target recheck: November 9, 2026.

Critical decision facts

Channel scope and security state determine what the published limit really means.

Rail, channel, beneficiary, cooling, authentication and recovery rules stay separate instead of being compressed into one generic digital-banking number.

01 · Account / tariff scopeThe fee profile separates account balance requirements from charges. A minimum balance or QAB can control a waiver even where the account's non-maintenance charge itself is nil.
02 · Fee thresholds / allowancesATM free counts, cheque-leaf allowances and transfer slabs are fee thresholds, not payment/withdrawal amount limits.
03 · Current fee postureBank of Baroda currently lists distinct ATM, cheque, branch and transfer tariffs. bob Advantage's reviewed product page states nil MAB non-maintenance charge despite a location-based balance requirement, while bob LITE is zero-balance but its RuPay Platinum annual-fee waiver has a separate QAB condition.
04 · Product / programme / channel relationshipbob LITE's card-fee waiver is tied to its separate QAB test and must not be generalized to every RuPay Platinum cardholder.
Exact product-type evidence

Bank fee profile evidence stays in its own structure.

Specialist fields below remain source-scoped. Missing values stay missing; one banking product type is never used to manufacture facts for another.

Fee scope map

A fee is only meaningful after matching the product, channel and effective date.

Base tariffs, programme waivers and future-effective notices are kept separately scoped. Reviewed September 10, 2026.

Tariff scopeRetail fee index using the current generic service-charge schedule plus product-specific Savings/basic/card overrides.
Account maintenance / shortfallbob Advantage currently publishes location-based balance levels while stating nil MAB non-maintenance charge. bob LITE is a zero-balance proposition. Other Bank of Baroda products retain their own balance/fee rules.
Debit-card feesRuPay Platinum issuance/annual fee depends on linked account/tariff. bob LITE waives the annual fee only when its separate QAB condition is met.
ATM pricingBOB ATM: five free financial+non-financial transactions, then ₹10 financial / ₹5 non-financial. Other-bank ATM for Savings: three free metros/five non-metros, then ₹23 financial / ₹11 non-financial; Current/OD/CC off-us transactions are chargeable from first use.
Cash / branch chargesBranch cash-deposit/withdrawal tariffs vary by account and customer category; BSBD/FI protected treatment and third-party/non-home restrictions remain separately scoped.
Transfer chargesSavings NEFT nil. RTGS outward ₹24.50 for ₹2–5 lakh and ₹49.50 above ₹5 lakh. Retail IMPS from 1 October 2025: ₹2.50 up to ₹1,000; ₹5 for ₹1,001–₹25,000; ₹15 for ₹25,001–₹5 lakh, excluding GST.
Cheque / service chargesbob LITE currently includes 30 free cheque leaves per financial year. Generic Savings cheque-book/return charges remain customer/location specific under the service-charge schedule.
Digital-service feesbob World/bill-payment convenience-fee treatment remains payment-mode/biller/account specific; no universal zero fee is inferred.
Waivers / relationship overridesBSBD/FI basic-service exemptions and bob LITE card-fee waiver are preserved as narrow product overrides.
Effective-date ruleRail and ATM fee rows retain their effective dates where the bank publishes them. Product-specific current pages override generic tariff only for the exact product benefit.
Future-effective changesNo separate future-effective retail fee change is activated from the reviewed BOB sources in this wave.
Normalized fee ledger

Current and future rows stay distinguishable.

Every row carries its own scope, channel, effective state and first-party source.

account-maintenance · account
bob Advantage Savings — Nil MAB non-maintenance charge on reviewed product page

Location-based balance requirement still exists; no-charge treatment is product-specific.

Verify row ↗
atm · BOB ATM
Savings debit card — 5 free; then ₹10 financial / ₹5 non-financial

Other-bank ATM tariff differs.

Verify row ↗
atm · other-bank ATM
Savings debit card — 3 free metros / 5 non-metros; then ₹23 financial / ₹11 non-financial

Current/OD/CC charged from first off-us transaction.

Verify row ↗
transfer · NEFT
Savings Bank — Nil

RTGS and IMPS use separate tariffs.

Verify row ↗
transfer · IMPS
Retail — ₹2.50 up to ₹1,000; ₹5 ₹1,001–₹25,000; ₹15 ₹25,001–₹5 lakh, excl. GST

Account-specific waivers can override.

Verify row ↗
cheque-card-waiver · cheque book / RuPay Platinum
bob LITE — 30 cheque leaves/FY free; Platinum card annual fee waived only if separate QAB condition is met

Zero balance and card-fee waiver are separate conditions.

Verify row ↗
Maintained terms

Fees, balances, benefits, limits and eligibility without a single-score shortcut.

These six fields are the cross-product layer. The specialist section above controls whenever a type-specific field is more precise.

Current fee postureBank of Baroda currently lists distinct ATM, cheque, branch and transfer tariffs. bob Advantage's reviewed product page states nil MAB non-maintenance charge despite a location-based balance requirement, while bob LITE is zero-balance but its RuPay Platinum annual-fee waiver has a separate QAB condition.
Account / tariff scopeThe fee profile separates account balance requirements from charges. A minimum balance or QAB can control a waiver even where the account's non-maintenance charge itself is nil.
Waivers / free-service treatmentSavings-bank NEFT is currently nil under the generic service-charge schedule, and BSBD/FI accounts retain protected basic-service treatment. bob LITE provides 30 free cheque leaves per financial year under current terms.
Fee thresholds / allowancesATM free counts, cheque-leaf allowances and transfer slabs are fee thresholds, not payment/withdrawal amount limits.
Who the tariff applies toExact Bank of Baroda account, card and transaction channel determine the fee.
Product / programme / channel relationshipbob LITE's card-fee waiver is tied to its separate QAB test and must not be generalized to every RuPay Platinum cardholder.
Fit & cautions

Who this record appears designed for—and what can break the fit.

Best-fit wording summarizes the published proposition. It is not individualized financial advice or an approval prediction.

Potential fit

Bank of Baroda customers comparing ordinary Savings, bob LITE/basic accounts and digital transfers without assuming every 'nil charge' applies to every product or channel.

Verify before relying
  • Bank of Baroda's generic service-charge page and product-specific account pages must be read together; a product waiver overrides only the matching generic charge.
  • Current/OD/CC cards are charged from the first off-us ATM transaction under the reviewed BOB ATM schedule, unlike Savings debit-card free allowances.
  • IMPS, NEFT and RTGS have different pricing; a nil Savings NEFT fee is not a universal 'all bank transfers free' statement.
Maintained comparisons

Compare this product only where the pair is deliberately maintained.

Both sides keep independent review dates, exact conditions and first-party evidence. No winner score is generated.

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First-party source ledger

Complete evidence set for this maintained profile.

Each source remains independent. A product page, tariff, KFS/MITC, rate schedule or programme document is not silently treated as interchangeable evidence.

01
Primary product / service sourcebankofbaroda.bank.in
Open source ↗02
Additional first-party evidencebankofbaroda.bank.in
Open source ↗03
Additional first-party evidencebankofbaroda.bank.in
Open source ↗04
Additional first-party evidencebankofbaroda.bank.in
Open source ↗05
Additional first-party evidencebobworld.bankofbaroda.bank.in
Open source ↗
Current-use rule

When the bank changes a term after the recorded review, the current agreement, tariff, KFS/MITC or effective rate table controls.

Research boundary

This page organizes dated public evidence; it does not guarantee eligibility, availability, approval, service quality or future pricing.