Connecting rural India to mainstream banking.
Bank of Baroda, for rural India, with rural India.
वित्तीय समावेशन
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Important Notification
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Micro Insurance
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Pradhan Mantri Jeevan Jyoti Bima Yojana
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Pradhan Mantri Suraksha Bima Yojana
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Provisions available for customers to enroll under PMSBY & PMJJBY
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Pradhan Mantri Jan-Dhan Yojana Overdraft up to Rs. 10,000 in PMJDY Accounts
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RuPay PMJDY Debit Card
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Most Important Most Important Terms and Conditions (MITC) for availing PMJDY OD
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Micro Insurance- Enrolment & Claim forms
वित्तीय समावेशन : Important Notification
BC Agent Locator Click Here
Notice for information to general public and customers of Bank of Baroda particularly: It has been decided to levy Charges for AePS OFFUS/ONUS transactions in BSBD Accounts from 01/09/2021.
Type of Transactions (In BSBD account maintained with Bank of Baroda) | Current Charges | Proposed Charges (Approved) |
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AePS cash withdrawal (debit) at CSP / BC points of Bank of Baroda | Free | Overall maximum 4 free debits allowed in a month. Above -4- free debits Rs. 20/- + GST will be charged for each debit |
AePS cash withdrawal (debit) at CSP / BC points of other Banks | Free | |
AePS Fund Transfer (debit) to beneficiary within the Bank | Free | |
AePS Fund Transfer (debit) from Bank of Baroda to beneficiary at other Bank | Free | |
Card + PIN based Cash Withdrawal at ATMs / Micro ATMs of Bank of Baroda | Free | |
Card + PIN based cash withdrawal at ATMs / Micro ATMs of other Banks | 5 transactions (including financial and non-financial) free in a month. Above -5-, Rs. 15/- + GST | |
Card + PIN based cash withdrawal at ATMs / Micro ATMs of other Banks | 5 transactions (including financial and non-financial) free in a month. Above -5-, Rs. 15/- + GST | Balance enquiry will not be charged |
Services available at BC Points Click Here
वित्तीय समावेशन : Micro Insurance
Micro Insurance
Social security in the form of micro insurance can be a boon for the poor, when the income raising ability of the breadwinner is impaired. In India, the micro insurance schemes are mostly implemented by the MFIs as a compulsory element along with the micro credit provided. Micro insurance schemes can be considered as a stepping stone to social protection.
Pradhan Mantri Suraksha Bima Yojana (PMSBY) and Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) are two open ended micro insurance schemes initially launched on 9th May, 2015 and implemented w.e.f. 01/06/2015.
PMJJBY is one of the flagship schemes under the ambitious social security scheme captioned "Jan Dhan Se Jan Suraksha" launched by Government of India on 1st of June, 2015. In absence of any formal social security system in India, Government had envisioned a larger set of population through the banking channel.
Under both schemes the risk period is fixed for 12 months i.e. 1st June to 31st May. In PMSBY, any good health certificate is not required. The PMJJBY scheme is also a strong enabler to canvass new savings Account which are fully funded in nature. It has been decided to aggressively canvas this scheme to our existing eligible SB account holders who are still not covered under the scheme till date along with other SB accounts which are being opened fresh.
वित्तीय समावेशन : Pradhan Mantri Jeevan Jyoti Bima Yojana
Pradhan Mantri Jeevan Jyoti Bima Yojana
- One year Term Life Insurance Scheme, renewable from year to year (1st June to 31st May), offering life insurance cover for death due to any reason.
- Eligibility: Saving’s bank account holders in the age 18 to 50 years, extended up to 55 years if insurance availed before attaining age of 50 years.
- Insurance Cover: Rs. 2 lakhs are payable on a subscriber’s death due to any reason.
- Insurance cover shall not be available for death (other than due to accident) occurring during the first 30 days from the date of enrolment into the scheme (lien period) and in case of death (other than due to accident) during lien period, no claim would be admissible
- Premium: Renewal of policy from next year payable @ Rs. 436 per annum but payment of pro rata premium for enrolment under PMJJBY will be charged as per the following rates:
- Bank’s Insurance Partner: IndiaFirst Life Insurance Company Ltd.
Sr.No. | Enrollment Period | Applicable Premium |
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1 | June, July, August | Annual Premium of Rs. 436. |
2 | September, October & November | 3 quarters of premium @Rs.114 i.e. Rs.342. |
3 | December ,January & February | 2 quarters of premium @Rs.114 i.e. Rs. 228. |
4 | March, April & May | 1 quarter premium i.e. Rs.114. |
वित्तीय समावेशन : Pradhan Mantri Suraksha Bima Yojana
Pradhan Mantri Suraksha Bima Yojana
- One year Accidental Insurance Scheme, renewable from year to year (1st June to 31st May) through auto debit facility, offering accidental cover on a subscriber’s death or disability due to accident.
- Eligibility: Savings bank account holders in the age 18 to 70 years in participating banks will be entitled to join.
- Insurance Cover: Rs. 2 lakhs are payable on a subscriber’s death or disability due to accident. In case of partial disability Rs. 1 lakh.
- Premium: Rs. 20 per annum per subscriber.
- Bank’s Insurance Partner: National Insurance Company Ltd.
वित्तीय समावेशन : Provisions available for customers to enroll under PMSBY & PMJJBY
Provisions available for customers to enroll under PMSBY & PMJJBY
For fresh enrollments under both the schemes PMSBY & PMJJBY done starting from 1st June, 2016 and following amenities have been made available to our customers through which they can enroll themselves under PMSBY & PMJJBY:
Sr.No. | Provision of enrollment under PMSBY & PMJJBY | Procedure | |
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1 | Branch | Submission of enrollment forms at branch and ensuring sufficient balance in account. (forms available below). | |
2 | BC Point | BC can do the enrollment of customers in kiosk portal. | |
3 | bobWorld | In bobWorld, under “Invest” tab. | |
4 | Internet Banking | In Bobibanking under the "Services" tab. | |
5 | SMS through Registered Mobile Number | PMSBY, send SMS to 8422009988 | PMSBY " space " Last 4 digit of account number " space " Y Example: PMSBY 2503 Y |
PMJJBY, send SMS to 8422009988 | PMJJBY " space " Last 4 digit of account number " space " Y Example: PMJJBY 2503 Y |
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6 | Missed Call through Registered Mobile Number | PMJJBY, Call 8468001133 | |
PMSBY, Call 8468001144 |
वित्तीय समावेशन : Pradhan Mantri Jan-Dhan Yojana Overdraft up to Rs. 10,000 in PMJDY Accounts
Pradhan Mantri Jan-Dhan Yojana Overdraft up to Rs. 10,000 in PMJDY Accounts
Sr. No. | Modalities of Scheme | |
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1 | Purpose | General purpose loan to provide hassle free credit to low income group/underprivileged customers to meet their exigencies without insistence on security, purpose or end use of the Credit. |
2 | Eligibility (Individuals Only) |
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3 | Nature of Facility | Running OD facility in SB account. |
4 | Period of sanction | 36 months subject to review of the account thereafter. |
5 | Loan amount |
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6 | Interest Rate | @ 1 Year MCLR + 3% |
7 | Security | Nil |
8 | Processing Charges | Nil |
9 | Sanctioning Authority | Branch |
वित्तीय समावेशन : RuPay PMJDY Debit Card
RuPay PMJDY Debit Card
Sr. No. | Modalities of Scheme | |
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1. | Eligibility | All PMJDY account holders |
2. | Insurance | RuPay PMJDY Debit Card has an in-built accidental insurance coverage of Rs. 1 lakh for all RuPay PMJDY Debit card holders as per RuPay Insurance Policy of NPCI which is subject to change every year. Further in case of PMJDY account opened after 28.08.2018, the accidental insurance coverage of Rs. 1 lakh has been increased to Rs. 2 lakh to RuPay PMJDY Debit Card holder. |
3. | Insurance Protection for | Accidental death & permanent total disability. |
4. | Eligibility criteria to get insurance cover | Minimum one successful financial or non-financial transaction at any of bank Channel both Intra and Inter-bank i.e. on-us (ATM /Micro ATM / POS / E-com / Business Correspondent of the bank at locations by any payment instrument) within 90 days prior to date of accident including accidental date of RuPay PMJDY Cardholders or off us (same bank channels- Bank Customer/RuPay cardholder transactions at other bank channels). |
5. | Insurance Beneficiary | The beneficiary could be nominee of the account of the cardholder or legal heir as per competent court order. |
6. | Intimation Period | Within 90 days of the date of accident. |
7. | Claim submission period | Within 60 days from the date of claim intimation. |
8. | Issuance of RuPay PMJDY Debit Card to Minors | Minors above the age of 10 years opening Savings Bank Account under Financial Inclusion Scheme in his individual name with operational instruction as “Self” (not through father & natural guardian) can be issued a RuPay PMJDY debit card. |
वित्तीय समावेशन : Most Important Most Important Terms and Conditions (MITC) for availing PMJDY OD
Most Important Terms and Conditions (MITC)-Overdraft facility under Pradhan Mantri Jan Dhan Yojana
- BSBD account, which is operated satisfactorily for at least six months.
- OD to be granted to the earning individual of the family subject to only one member from a family can be granted limit.
- There should be regular credits under DBT/DBTL scheme/other verified sources.
- BSBD account holder should not be maintaining any other savings bank account with any bank/branch to ensure compliance with RBI directives
- Age of applicant between 18 years to 65 years.
- Minor i.e. customer below the age of 18 years are not eligible for OD under PMJDY.
- KCC/GCC borrower is not eligible for PMJDY OD.
- Minimum OD amount Rs, 2,000/- without any assessment subject to fulfilling the above eligibility criteria
For amount beyond Rs.2000/-, eligible amount for overdraft is 4 times of average balance of preceding six months or 50% of credit summation in the preceding six months or Rs. 10,000 whichever is lower.
वित्तीय समावेशन : Micro Insurance- Enrolment & Claim forms
Enrollment Forms
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