Verified Bank Tariff
Bank of Baroda Charges & Fees
- Charges verified
- 17
- 17 checked rules · 8 fee categories · 3 account variants
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.
At a glance
Bank of Baroda’s own figures, before GST. Tap a figure for its source.
- SMS alerts
Not verified yet
No official figure checked for this bank.
- Demand draft
Top rate · from ₹30
High vs 12 banks
- RTGS
Not verified yet
No official figure checked for this bank.
- IMPS
Top rate · from ₹2.50
Mid vs 20 banks
- NEFT
Top rate · from ₹0
High vs 30 banks
- Minimum balance
Bank of Baroda, Minimum balance
From Bank of Baroda — Savings Minimum-Balance Non-Maintenance Charges
Verified
Bank’s figure
Free
- Cheque return
Not verified yet
No official figure checked for this bank.
- Locker rent
Top rate · from ₹900
Mid vs 9 banks
Verified Fee Categories for Bank of Baroda
Account closure charges1 checked entry
Savings Accounts — Service Charge Portfolio · Branch
Within 14 days of opening — All Savings Accounts: ₹0.00 · 15 days up to 1 year — Regular Savings: ₹300.00 · 15 days up to 1 year — Platinum Savings: ₹1,000.00 · Beyond 1 year — All Savings Accounts: ₹0.00 · Closure due to death of holder — All Savings Accounts: ₹0.00
Trigger Condition
Applies to Bank of Baroda Savings Bank Account schemes.
Verified on 2026-08-25 · Effective: 2025-07-01
Other bank charges1 checked entry
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
Cheque charges3 checked entries
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
Demand Draft charges7 checked entries
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
This rule covers the fixed bands up to Rs 25,000. From Rs 25,001 the separate per-thousand rules for the same customer segment apply.
Verified on 2026-08-09 · Effective: 2020-07-01
Retail Banking Service Charges · Branch
₹25,001.00 to ₹1,00,000.00: ₹2.50 per ₹1,000.00 (minimum ₹30.00, maximum ₹250.00)
Trigger Condition
Bank of Baroda demand drafts / banker's cheques from Rs 25,001 to Rs 100,000 issued to individuals at metro or urban branches, not against cash. GST is additional. Against cash: 50% more; non-customers: 50% more - neither is included here.
Verified on 2026-09-26
Retail Banking Service Charges · Branch
Above ₹1,00,000.00: ₹3.50 per ₹1,000.00 (minimum ₹350.00, maximum ₹15,000.00)
Trigger Condition
Bank of Baroda demand drafts / banker's cheques above Rs 1 lakh issued to individuals at metro or urban branches, not against cash. GST is additional. Against cash: 50% more; non-customers: 50% more - neither is included here.
Verified on 2026-09-26
Retail Banking Service Charges · Branch
₹25,001.00 to ₹1,00,000.00: ₹4.00 per ₹1,000.00 (minimum ₹50.00, maximum ₹400.00)
Trigger Condition
Bank of Baroda demand drafts / banker's cheques from Rs 25,001 to Rs 100,000 issued to non-individual customers at all branches, not against cash. GST is additional. Against cash: 50% more; non-customers: 50% more - neither is included here.
Verified on 2026-09-26
Retail Banking Service Charges · Branch
Above ₹1,00,000.00: ₹5.00 per ₹1,000.00 (minimum ₹500.00, maximum ₹15,000.00)
Trigger Condition
Bank of Baroda demand drafts / banker's cheques above Rs 1 lakh issued to non-individual customers at all branches, not against cash. GST is additional. Against cash: 50% more; non-customers: 50% more - neither is included here.
Verified on 2026-09-26
Retail Banking Service Charges · Branch
₹25,001.00 to ₹1,00,000.00: ₹3.00 per ₹1,000.00 (minimum ₹40.00, maximum ₹300.00)
Trigger Condition
Bank of Baroda demand drafts / banker's cheques from Rs 25,001 to Rs 100,000 issued to individuals at semi-urban or rural branches, and senior citizens or pensioners at any branch, not against cash. GST is additional. Against cash: 50% more; non-customers: 50% more - neither is included here.
Verified on 2026-09-26
Retail Banking Service Charges · Branch
Above ₹1,00,000.00: ₹4.00 per ₹1,000.00 (minimum ₹400.00, maximum ₹15,000.00)
Trigger Condition
Bank of Baroda demand drafts / banker's cheques above Rs 1 lakh issued to individuals at semi-urban or rural branches, and senior citizens or pensioners at any branch, not against cash. GST is additional. Against cash: 50% more; non-customers: 50% more - neither is included here.
Verified on 2026-09-26
IMPS charges1 checked entry
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
Locker charges1 checked entry
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
Minimum balance charges1 checked entry
NEFT charges2 checked entries
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 statementStatement narrations · 7 decoded
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.
Annual Account Leakage AuditHow much is Bank of Baroda quietly deducting every year?
How much is Bank of Baroda quietly deducting from your account every year?
Run our 60-second audit to total the charges we can trace to published tariff documents.
Official Bank of Baroda tariff documentsThe bank’s own Schedule of Charges and website
Disputing a Wrongful Charge at Bank of BarodaDispute & Refund Assistance · RBI three-level route
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)4 questions
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).