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Bank fee profile comparison

State Bank of India Banking Fees & Charges vs Bank of Baroda Banking Fees & Charges

Compare State Bank of India Banking Fees & Charges and Bank of Baroda Banking Fees & Charges using the controlling cost, balance, rate, tenure, liquidity, limits, eligibility and current first-party bank evidence for this product type.

Bank fee profile comparison

State Bank of India Banking Fees & Charges vs Bank of Baroda Banking Fees & Charges

Compare the two source-backed records without collapsing unlike conditions into a winner score.

Latest underlying reviewSeptember 10, 2026
State Bank of IndiaState Bank of India Banking Fees & Charges

SBI customers comparing the practical cost of a Savings, Salary or Basic account and wanting to distinguish current charges from announced future changes.

Cost / pricing
SBI has waived Savings Bank average-balance non-maintenance penalties since 11 March 2020, but ATM, IMPS, branch, card and other service charges remain product/channel-specific. Current ordinary Savings off-us ATM pricing from 1 December 2025 is ₹23 + GST for financial and ₹11 + GST for non-financial transactions after the applicable free allowance.
Reviewed
September 10, 2026
Evidence
5 bank sources
Open product research
Bank of BarodaBank of Baroda Banking Fees & Charges

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.

Cost / pricing
Bank 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.
Reviewed
September 10, 2026
Evidence
5 bank sources
Open product research
Compare like with likeThese records share the same product type.
Conditions stay attachedBalance, tenure, channel, relationship and effective-date wording stays visible.
No missing-data inferenceMissing wording never means zero cost or unlimited access.
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bankingreference.info · Comparison research sheet

State Bank of India Banking Fees & Charges vs Bank of Baroda Banking Fees & Charges

Prepared 14 Sep 2026 · Source page: https://bankingreference.info/compare-banking/sbi-banking-fees-charges-vs-bank-of-baroda-banking-fees-charges/

General product research only. Recheck the listed first-party sources before acting because product terms can change after the recorded review dates.

Decision checkpoints

Answer the questions that can actually change the choice.

Each checkpoint reproduces the recorded product fields instead of assigning a winner. Read the condition, scope and missing-data state before treating a difference as useful to you.

01Does this tariff apply to your exact account?Establish tariff scope before treating any listed fee as applicable.

State Bank of India Banking Fees & Charges

Tariff scope
Retail fee index spanning ordinary Savings, Salary Package, BSBD/basic and selected digital/ATM services. Product-specific tariffs override generic bank guidance.
Who the tariff applies to
Applies to SBI customers only after identifying the exact deposit/account programme, debit card and service channel.

Bank of Baroda Banking Fees & Charges

Tariff scope
Retail fee index using the current generic service-charge schedule plus product-specific Savings/basic/card overrides.
Who the tariff applies to
Exact Bank of Baroda account, card and transaction channel determine the fee.
02What maintenance costs and waivers are recorded?Keep waiver conditions attached to maintenance charges.

State Bank of India Banking Fees & Charges

Account maintenance
Savings Bank average-balance non-maintenance penalty is waived from 11 March 2020 under SBI's current revised-service-charge index; separate account/service fees can still apply.
Waivers
BSBD/basic, KCC, Salary Package and other programme concessions are retained as scoped overrides rather than treated as bankwide fee waivers.

Bank of Baroda Banking Fees & Charges

Account maintenance
bob 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.
Waivers
BSBD/FI basic-service exemptions and bob LITE card-fee waiver are preserved as narrow product overrides.
03Which effective-date conditions govern the charges?Check date logic and the full current cost wording before using a tariff.

State Bank of India Banking Fees & Charges

Effective-date logic
Current and announced-future charges are stored separately. A future-effective row cannot replace the current tariff before its effective date.
Current fee posture
SBI has waived Savings Bank average-balance non-maintenance penalties since 11 March 2020, but ATM, IMPS, branch, card and other service charges remain product/channel-specific. Current ordinary Savings off-us ATM pricing from 1 December 2025 is ₹23 + GST for financial and ₹11 + GST for non-financial transactions after the applicable free allowance.

Bank of Baroda Banking Fees & Charges

Effective-date logic
Rail 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.
Current fee posture
Bank 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.
Other maintained comparisons for State Bank of India Banking Fees & ChargesOther maintained comparisons for Bank of Baroda Banking Fees & Charges
Exact terms

Put the controlling banking fields side by side.

The stored field wording is preserved. Product-type-specific evidence follows this generic comparison where deeper structured research exists.

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Banking product terms side by side for State Bank of India Banking Fees & Charges and Bank of Baroda Banking Fees & Charges
Decision factorState Bank of India Banking Fees & ChargesBank of Baroda Banking Fees & Charges
Current fee postureSBI has waived Savings Bank average-balance non-maintenance penalties since 11 March 2020, but ATM, IMPS, branch, card and other service charges remain product/channel-specific. Current ordinary Savings off-us ATM pricing from 1 December 2025 is ₹23 + GST for financial and ₹11 + GST for non-financial transactions after the applicable free allowance.Bank 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 scopeFee treatment depends on the exact account class. Ordinary Savings, Salary Package, BSBD/FI/KCC and other schemes can have different waivers or transaction allowances even when they use the same SBI channels.The 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 treatmentCurrent SBI material includes nil online/digital charges in several contexts, including SBI Unipay bill payments and product-specific digital transfers, while BSBD/basic products retain their own protected basic-service treatment.Savings-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 / allowancesFree-transaction counts and fee thresholds are not transaction-value limits. The dated ATM tariff, account schedule and channel tariff must be matched before calculating cost.ATM free counts, cheque-leaf allowances and transfer slabs are fee thresholds, not payment/withdrawal amount limits.
Who the tariff applies toApplies to SBI customers only after identifying the exact deposit/account programme, debit card and service channel.Exact Bank of Baroda account, card and transaction channel determine the fee.
Product / programme / channel relationshipThis page is a fee index over existing SBI products and channels. It does not replace the controlling Savings/Salary/BSBD/card/transfer product page or tariff.bob LITE's card-fee waiver is tied to its separate QAB test and must not be generalized to every RuPay Platinum cardholder.
Fee-schedule detail

Compare tariff scope and waiver mechanics.

These fields come from each product's type-specific structured research, so service comparisons are not reduced to the same six generic rows.

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Type-specific banking comparison terms for State Bank of India Banking Fees & Charges and Bank of Baroda Banking Fees & Charges
Decision factorState Bank of India Banking Fees & ChargesBank of Baroda Banking Fees & Charges
Tariff scopeRetail fee index spanning ordinary Savings, Salary Package, BSBD/basic and selected digital/ATM services. Product-specific tariffs override generic bank guidance.Retail fee index using the current generic service-charge schedule plus product-specific Savings/basic/card overrides.
Account maintenanceSavings Bank average-balance non-maintenance penalty is waived from 11 March 2020 under SBI's current revised-service-charge index; separate account/service fees can still apply.bob 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 chargesDebit-card issuance/annual/replacement pricing remains variant- and account-linked. BSBD/basic RuPay ATM-cum-Debit Card treatment is separately free under the reviewed basic-account evidence.RuPay Platinum issuance/annual fee depends on linked account/tariff. bob LITE waives the annual fee only when its separate QAB condition is met.
ATM chargesFor ordinary Savings variants covered by the 1 December 2025 notice (excluding BSBD, KCC and Salary Package), five other-bank ATM/ADWM transactions are free monthly at all centres; post-free pricing is ₹23 + GST financial and ₹11 + GST non-financial.BOB 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 / branchBranch/cash pricing remains account/service-specific; no single SBI cash-handling rate is inferred across Savings, Salary, BSBD and business products.Branch cash-deposit/withdrawal tariffs vary by account and customer category; BSBD/FI protected treatment and third-party/non-home restrictions remain separately scoped.
TransfersDigital transfer pricing is rail/channel specific. The fee ledger does not convert one IMPS/NEFT/RTGS waiver or charge into a universal transfer fee.Savings 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.
Digital servicesSBI Unipay's reviewed digital bill-payment channels are nil-charge to the customer; underlying biller/card/tax charges remain separate where applicable.bob World/bill-payment convenience-fee treatment remains payment-mode/biller/account specific; no universal zero fee is inferred.
WaiversBSBD/basic, KCC, Salary Package and other programme concessions are retained as scoped overrides rather than treated as bankwide fee waivers.BSBD/FI basic-service exemptions and bob LITE card-fee waiver are preserved as narrow product overrides.
Effective-date logicCurrent and announced-future charges are stored separately. A future-effective row cannot replace the current tariff before its effective date.Rail 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.
Wrong-fit risks

Keep each product’s cautions beside the product.

A useful comparison shows what can make either option unsuitable instead of averaging those conditions into a score.

State Bank of India

State Bank of India Banking Fees & Charges

  • SBI's generic ATM information and its dated 1 December 2025 ATM/ADWM charge notice are not fully aligned; the dated tariff notice is kept as the pricing anchor for the ordinary Savings scope it explicitly covers.
  • SBI has already announced a Salary Package other-bank ATM free-count revision effective 1 October 2026. Because the review date is 10 September 2026, that future rule is stored as future-effective and is not applied as today's charge.
  • BSBD/FI/KCC and Salary Package exclusions mean an ordinary Savings charge must never be copied to every SBI customer.
Bank of Baroda

Bank of Baroda Banking Fees & Charges

  • 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.
Research tools

Continue from the pair into exact product-level research.

These tools help narrow or inspect the records. They do not replace bank eligibility, live pricing or account-specific controls.

Independent source state

Verify each product from its own bank evidence.

One side's source depth or freshness never fills a gap in the other record.

State Bank of India

State Bank of India Banking Fees & Charges

Reviewed
September 10, 2026
Attached first-party sources
5
Open primary bank source ↗
MethodologyResearch statusMore banking comparisons

First-party source appendix

These are the exact source URLs already attached to the two research records. Re-open the controlling documents before relying on a fee, rate, limit, eligibility rule or benefit.

State Bank of India Banking Fees & Charges

Reviewed September 10, 2026 · 5 attached first-party sources

  1. Fee / charge schedulehttps://sbi.bank.in/en/web/personal-banking/information-services/kyc-guidelines/revised-service-charges
  2. Fee / charge schedulehttps://sbi.bank.in/documents/16012/22770835/NOTICE%2B%2BREVISION%2BIN%2BATM%2B%2BADWM%2BTRANSACTION%2BSERVICE%2BCHARGES.pdf/7c66ae2b-74ba-67cc-dbfa-01725136c709?t=1761913196404
  3. Issuer product pagehttps://sbi.bank.in/web/salary-account/sbi-rishtey
  4. Issuer product pagehttps://home.sbi.bank.in/web/personal-banking/accounts/saving-account/basic-savings-bank-deposit-account09b7.html
  5. Issuer product pagehttps://sbi.bank.in/hi/web/business/sme/digital-collection-products/sbi-unipay

Bank of Baroda Banking Fees & Charges

Reviewed September 10, 2026 · 5 attached first-party sources

  1. Fee / charge schedulehttps://bankofbaroda.bank.in/interest-rate-and-service-charges/service-charges
  2. Issuer product pagehttps://bankofbaroda.bank.in/accounts/saving-accounts/bob-advantage-saving-account
  3. Issuer product pagehttps://bankofbaroda.bank.in/accounts/saving-accounts/bob-lite-savings-account
  4. Issuer product pagehttps://bankofbaroda.bank.in/digital-products/cards/debit-cards
  5. Issuer product pagehttps://bobworld.bankofbaroda.bank.in/faqs