Verified Bank Tariff
Bank of Baroda Charges & Fees
Complete official Schedule of Charges for Bank of Baroda. Every fee entry is backed by verified citations, 18% GST treatment, waiver conditions, and RBI dispute rights.
How much is Bank of Baroda quietly deducting from your account every year?
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Verified Fee Categories for Bank of Baroda
Bank of Baroda
Account closure charges
Savings Accounts — Service Charge Portfolio · Branch
Within 14 days of opening: ₹0.00 · 15 days up to 1 year: ₹300.00 · 15 days up to 1 year: ₹1,000.00 · Beyond 1 year: ₹0.00 · Closure due to death of holder: ₹0.00
Trigger Condition
Applies to Bank of Baroda Savings Bank Account schemes.
Verified on 2026-08-25 · Effective: 2025-07-01
Bank of Baroda
Other bank charges
Savings Accounts — Service Charge Portfolio · General
₹0 (Free)
Trigger Condition
Applies to Baroda Advantage Savings Account across Metro, Urban, Semi-Urban, and Rural branch categories.
Verified on 2026-08-25 · Effective: 2025-07-01
Bank of Baroda
Cheque charges
Current / Cash Credit / Overdraft — Service Charge Portfolio · Branch
First 50-leaf cheque book included; subsequent leaves Rs5 each (₹5.00 per item after 50 free)
Trigger Condition
Current/CC/OD accounts. Source defines first cheque book as 50 leaves; subsequent cheque book Rs5 per leaf.
Verified on 2026-08-09
Savings Accounts — Service Charge Portfolio · Branch
30 cheque leaves free per financial year, then Rs4 per cheque leaf (₹4.00 per item after 30 free)
Trigger Condition
Savings Bank account at Metro/Urban branches.
Verified on 2026-08-09
Savings Accounts — Service Charge Portfolio · Branch
Rs2.50 per cheque leaf as published (₹2.50 per item after 0 free)
Trigger Condition
Savings Bank customers of Rural/Semi-Urban branches, Senior Citizen and Pensioners at any branch, using the current source wording. The source does not state a free-leaf allowance in this sub-row, so none is invented.
Verified on 2026-08-09
Bank of Baroda
Demand Draft charges
Retail Banking Service Charges · Branch
Individual Semi-Urban/Rural or Senior/Pensioner — up to Rs5,000: ₹40.00 · Individual Semi-Urban/Rural or Senior/Pensioner — above Rs5,000 to Rs25,000: ₹60.00 · Individual Metro/Urban — up to Rs5,000: ₹30.00 · Individual Metro/Urban — above Rs5,000 to Rs25,000: ₹50.00 · Non-Individual all branches — up to Rs5,000: ₹50.00 · Non-Individual all branches — above Rs5,000 to Rs25,000: ₹75.00
Trigger Condition
Only exact fixed low-value bands are represented. Higher bands use 'per thousand or part thereof' with min/max and remain unmodeled until bounded rounding-aware schema support exists.
Verified on 2026-08-09 · Effective: 2020-07-01
Bank of Baroda
IMPS charges
Retail Banking Service Charges · Other
Up to Rs 1,000: ₹2.50 · Rs 1,001 to Rs 25,000: ₹5.00 · Rs 25,001 to Rs 5,00,000: ₹15.00
Trigger Condition
Retail customers; Digital Channels only. The current source table does not expose a corresponding retail branch value in the rendered rows, so no retail-branch rule is inferred.
Verified on 2026-08-09 · Effective: 2025-10-01
Bank of Baroda
Locker charges
Retail Banking Service Charges · Branch
A — Metro/Urban: ₹1,500.00 · A — Semi-Urban/Rural: ₹900.00 · B — Metro/Urban: ₹2,000.00 · B — Semi-Urban/Rural: ₹1,000.00 · D — Metro/Urban: ₹2,800.00 · D — Semi-Urban/Rural: ₹1,500.00 · C — Metro/Urban: ₹3,000.00 · C — Semi-Urban/Rural: ₹1,700.00 · E/H-1 — Metro/Urban: ₹4,000.00 · E/H-1 — Semi-Urban/Rural: ₹2,200.00 · G — Metro/Urban: ₹7,000.00 · G — Semi-Urban/Rural: ₹5,500.00 · F — Metro/Urban: ₹7,000.00 · F — Semi-Urban/Rural: ₹5,500.00 · H — Metro/Urban: ₹7,000.00 · H — Semi-Urban/Rural: ₹5,500.00 · L1 — Metro/Urban: ₹10,000.00 · L1 — Semi-Urban/Rural: ₹8,000.00 · L — Metro/Urban: ₹10,000.00 · L — Semi-Urban/Rural: ₹8,000.00
Trigger Condition
Annual locker rent excluding GST. Same section lists: breaking open of locker Rs 1000 incidental over actual cost; late-payment penalty Rs 200 for first 3 months then Rs 50 p.m. where annual rent is up to Rs 3000, and Rs 500 then Rs 100 p.m. above Rs 3000; 10% discount on 3-year advance rent for general public and 20% for Premium Current Account / Premium Current Account Privilege customers; operations beyond 12 a year at Rs 100 per occasion for general public; advance rent accepted for a maximum of three years.
Verified on 2026-08-20 · Effective: 2019-06-20
Bank of Baroda
Minimum balance charges
Savings Accounts — Service Charge Portfolio · General
₹0 (Free)
Trigger Condition
Bank of Baroda Savings Bank Account schemes excluding Premium Saving Accounts. Zero charge applies to non-maintenance of minimum balance from 01-Jul-2025; Premium Saving Accounts remain subject to separately listed penalties and are excluded.
Verified on 2026-08-15 · Effective: 2025-07-01
Bank of Baroda
NEFT charges
Retail Banking Service Charges · General
Up to Rs 10,000: ₹2.25 · Rs 10,001 to Rs 1,00,000: ₹4.75 · Rs 1,00,001 to Rs 2 lakh: ₹14.75 · Above Rs 2 lakh: ₹24.75
Trigger Condition
Other than Savings Bank accounts. Current official table shows the same amounts for digital and branch columns.
Verified on 2026-08-09 · Effective: 2020-01-01
Retail Banking Service Charges · General
₹0 (Free)
Trigger Condition
Savings Bank accounts only. The current NEFT table explicitly labels SB account - NIL.
Verified on 2026-08-09 · Effective: 2020-01-01
What Bank of Baroda prints on your statement
7 narrations decoded against Bank of Baroda's own schedule of charges — the plain-English and Hinglish meaning, the exact amount including GST, and how to avoid it.
ACCT CLOSURE CHGA fee for closing your account within a defined period after opening it.
ACCT OPENING CHGA charge applied when the account was opened.
DD CHARGESA commission charged when a demand draft or banker's cheque is issued. It usually scales with the draft value.
IMPS CHGA charge on an IMPS instant transfer.
LOCKER RENTAnnual rent for a safe deposit locker. The amount depends on locker size and branch location.
MIN BAL CHGA penalty for not keeping the required average balance in your account for the month or quarter.
NEFT CHGA charge on an outward NEFT transfer. Under RBI rules NEFT sent through internet or mobile banking on a savings account carries no charge.
Disputing a Wrongful Charge at Bank of Baroda
Under Reserve Bank of India (RBI) consumer protection directives, account holders have statutory rights to claim refunds for unauthorized debits, failed ATM transactions, or penalties debited without prior notification.
Branch / Helpdesk Ticket
Email Bank of Baroda customer service quoting the transaction ID and account details. TAT: 7 working days.
Principal Nodal Officer
If unresolved within 7 days, escalate to Bank of Baroda's Principal Nodal Officer (PNO). TAT: 14–30 days.
RBI Banking Ombudsman
Lodge a statutory complaint on the RBI CMS Portal (cms.rbi.org.in) if rejected or delayed past 30 days.
Need a pre-filled grievance email draft for AMB penalties or debit card AMC?
Open Dispute Letter GeneratorFrequently Asked Questions (Bank of Baroda)
What is the minimum balance (AMB) requirement in Bank of Baroda?
In Bank of Baroda, the minimum average balance (AMB/MAB) varies by account tier and branch location. Regular savings accounts in metros typically require maintaining the published threshold, while salary accounts and BSBDA zero-balance accounts have ₹0 AMB requirements.
What are the debit card annual maintenance charges (AMC) for Bank of Baroda?
Debit card maintenance charges at Bank of Baroda are billed annually based on card variant plus 18% GST.
Can Bank of Baroda deduct minimum balance penal charges without sending an SMS?
No. Under RBI Master Direction (DBOD.No.Leg.BC.21/09.07.006/2015-16), Bank of Baroda is legally mandated to notify the customer via SMS or email giving them a 30-day notice window to restore their balance before any penalty can be debited. If debited without prior notification, you are entitled to a full reversal.
How do I dispute a wrongful fee or charge deducted by Bank of Baroda?
To dispute a wrongful deduction at Bank of Baroda: (1) Send an email to the Branch Manager / Customer Service citing the relevant RBI circular and transaction ID. (2) If unresolved within 7 days, escalate to Bank of Baroda's Principal Nodal Officer (PNO). (3) If unresolved after 30 days, lodge a complaint with the RBI Banking Ombudsman via the CMS portal (cms.rbi.org.in).