A Life vest for your lifetime savings

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  • Benefits
  • Features
  • Eligibility
  • Documents Required
  • Most Important Terms and Conditions (MITC)
  • Insurance related information

bob Government Employee Salary Account (Salary Solutions for Central/State Govt. employees) : Features

  • Personal Accident Insurance cover between age 18 -70 years
  • In Built Overdraft Facilities upto ₹ 3.00 Lacs (Availed after Salary Credit) *
  • Upto 100% waiver in processing charges on Home loan, Auto Loan, Education Loan and Personal Loan*
  • Unlimited Free NEFT / RTGS / IMPS / UPI
  • Unlimited Free DD / BC
  • Unlimited Free Transactions (Debit and Credit)
  • Sweep facility available on specific request
  • Upto 100% Discount on issuance / renewal of Prepaid / Gift Card
  • Lifetime Free Select /Premier Credit Card*

*T&C Apply

Insurance Details
Gross Salary band up to Rs. 50,000/- More than Rs. 50,000 to Rs. 1 lakhs More Than Rs. 1 lakh to Rs. 2 lakhs More than Rs. 2 lakhs
Free Personal Accident Insurance (PAI+PPD+PTD)# Upto Rs. 40.00 LACS ** Upto Rs. 40.00 LACS** Upto Rs. 50.00 LACS** Upto Rs. 60.00 LACS**
Free Air Accident Cover Upto Rs. 40.00 LACS** Upto Rs. 40.00 LACS** Upto Rs. 50.00 LACS** Upto Rs. 60.00 LACS**
Total accident Insurance Cover Upto Rs. 80.00 LACS** Upto Rs. 80.00 LACS** Upto Rs. 100.00 LACS ** Upto Rs. 120.00 LACS **

** PAI Insurance Cover will be available upto 10 times of GAI (Gross Annual Income) and Air Accident Insurance will be same as of eligible PAI limit as per MOU terms, subject to maximum of stipulated cover as above

# PAI - Personal Accidental Insurance, PPD - Permanent Partial Disability, PTD -Permanent Total Disability

bob Government Employee Salary Account (Salary Solutions for Central/State Govt. employees) : Eligibility

Serving Permanent, Confirmed and Regular Employees of the following Organizations/Departments:-

  • Central Government
  • State Government
  • State and Central Public Sector Undertakings (PSU)
  • Employees of Local Bodies (Central, UT & State)
  • Employees of Companies with major holding of Govt. (State / Central)

Age - 18-60 Years


  • Fresh Pension Accounts are not allowed to be opened in the scheme
  • However ,Government salary Account Holder can continue Account till the age of 70 years in case pension is being Credited to same Account
  • Joint Accounts - Allowed, however, PAI cover / benefits will be available to 1st Account holder (Salaried) only.

bob Government Employee Salary Account (Salary Solutions for Central/State Govt. employees) : Documents Required

  • Applicable documents for opening Savings account as per extant guidelines.
  • Salary related documents such as Latest Salary Slip, Appointment Letter etc.
  • Declaration stating the Terms and Conditions of the benefits under the Baroda Govt Employees Salary Account Scheme.

bob Government Employee Salary Account (Salary Solutions for Central/State Govt. employees) : Most Important Terms and Conditions (MITC)

Withdrawal(s) & use of Withdrawal Form (Slip)
  • Withdrawals will be allowed either by withdrawal forms or by cheques. Payment against withdrawal form along with passbook is allowed for self only with per day limit of Rs. 25000/- (Minimum Rs. 25/- in Rural/SU and Rs. 50/- in Metro/Urban).

Passbook and statement of account
  • Free 1st Pass Book.
  • 100/- per duplicate Pass Book / Statement with latest balance only.

Transfer of Account/ Scheme
  • Upon submission of application along with pass book and unused cheque leaves the account can be transferred to another branch/ scheme free of charge.

Interest Calculation and Frequency
  • Interest for the period February to April will be credited in May, Interest for May to July will be credited in August, interest for August to October will be credited in November and interest for November to January will be credited in February every year.

Dormant/ Inoperative Account
  • Account becomes inoperative/dormant if there are no customer induced transactions in Savings account for over a period of two years. Interest is continued to be applied in all such Savings Bank accounts. No charges are levied for in-operation of accounts.
  • Activation/Closure of Dormant/Inoperative accounts will be done after submission of necessary KYC documents, photo, fresh specimen signature, subject to satisfaction of the Bank.
  • All Accounts which have remained inoperative/dormant for a period of 10 years and above will be treated as unclaimed deposits and will be transferred to RBI. Upon receipt of the request from the customer such deposits will be returned subject to conditions.

Nomination Facility
  • Nomination facility available.

Rules for Transfer/ inter-sol transfer/clearing transactions and charges
  • Transfer Transaction at base branch Allowed freely without any limit.
  • Transfer Transaction at Non-base branch (local as well as outstation) normally allowed only at a branch where either drawer or payee maintains account. However, for genuine transactions, Branch Head is authorized to allow transactions at non-base branch (where neither drawer nor payee maintains account) on case to case basis subject to certain conditions.

Disclosure of Information
  • The Bank may disclose information about customer’s account, if required and permitted by law, rule or regulations, or at the request of any public or regulatory authority or if such disclosure is required for the purpose of preventing frauds, or in public interest, without specific consent of the account holder(s).
  • All relevant policies including code of commitments to customers and grievance redressal policy are available at the branches.
  • MITCs OF ATM/DEBIT Card, Mobile Banking, Net-Banking in Application Forms are available separately.
  • The Bank will notify, 30 days in advance, any change in terms and conditions/ Fees and charges on its website.
  • Deposits along with interest kept in different branches of our Bank is insured by Deposit Insurance & Credit Guarantee Corporation (DICGC) maximum upto Rs 5,00,000( Rs 5 lakh).

For more details on Salary Accounts please e-mail us at: depresources.bcc@bankofbaroda.co.in
for pension accounts: cppc.delhi@bankofbaroda.com

bob Government Employee Salary Account (Salary Solutions for Central/State Govt. employees) : Insurance related information

  • Claim process

    Scope of Cover/Definitions:

    Personal Accident Insurance Death - The Insurance Company will pay the nominee 100% of the sum assured if during the Policy Period the Insured Person (s) meets with Accidental Bodily Injury that causes death within policy period.

    Permanent Total Disability - In event of injury occurring to the insured Salary Package Account holder, solely and directly from accident caused by external, violent and visible means within 12 calendar months of its occurrence resulting in total and irrecoverable loss as total permanent disablement, the claim will be settled as per IRDA guidelines.

    Permanent Partial Disability (PPD) - In event of injury occurring to the insured Salary Package Account holder, solely and directly from accident caused by external, violent and visible means within 12 calendar months of its occurrence resulting in partial irrecoverable loss of use or the actual loss by physical separation where a part of the body becomes permanently disabled (i.e. partial loss as defined by IRDA)

    Air Accident Insurance - In the event of sustain death resulting solely directly from accident caused by external, violent and visible means in Air Accident occurring while undertaking journey by Airlines Covered for INR 1 Crore subject to booking of tickets through any type of mode of payment (UPI/Debit Card/Credit Card/Internet Banking etc.) linked with account.

    Girl Child Marriage Cover (18 - 25 years) - If a claim is accepted as a valid claim, then this benefit is extended to a One Girl Child of the insured person, whose age is between 18-25 years. An amount of up to 10% additional limit of base PAI sum insured is payable to the Girl child, in case the insured person died due to accident.

    Higher Education Cover- If a claim is accepted as a valid claim, then this benefit is extended to One Children of the insured person, pursuing full time course in Graduation and above studies in a recognised college in India. An amount of up to 10% additional limit of base PAI sum Insured, in case the insured person has died due to accident.



    • Payment of compensation in respect of Death, injury of Disablement of the Insured person (a) from intentional self-injury, suicide or attempted suicide, (b) whilst under the influence of intoxicating liquor or drugs (c) directly or indirectly caused by venereal diseases, aids or insanity, (d) arising or resulting from the insured person committing any breach of law with criminal intent,(e) whilst engaging in Aviation or Ballooning whilst mounting into, dismounting from or traveling in any balloon or aircraft other than as a passenger (fare paying or otherwise) in any duly licensed standard type of aircraft anywhere in the world
    • Payment of compensation in respect of Death, Injury or Disablement of the Insured person due to or arising out of or directly of indirectly connected with or traceable to: War, Invasion, Act or foreign enemy, Hostilities (whether war be declared or not), Civil War, Rebellion, Revolution, Insurrection, Mutiny, Military or Usurped Power Seizure, Capture, Arrests, Restraints and Detainments of all kings, princes and people of whatsoever nation condition or quality.
    • Payment of Compensation in respect of death of, or bodily injury or any disease or illness to the Insured person -
    • Directly or indirectly caused by or contributed to by or arising from ionising radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel. For the purpose of this exception, combustion shall include any self-sustaining process of nuclear fission.
    • Directly or indirectly caused by or contributed to by or arising from nuclear weapons material.
    1. The Insurance under this Policy shall not extend to cover death disablement resulting directly or indirectly caused, contributed to or aggravated or prolonged by childbirth or pregnancy or in consequence thereof.


    Personal Accident Benefit through the Non-Defence/Civilian account holders in BOB as mentioned below:

    Sr. no

    Table of Benefits

    Percentage of Capital Sum Insured


    Accidental Death



    Permanent Total Disability:

    a) Loss of sight (both eyes)


    b) Loss of two limbs


    c) Loss of one limb and one eye


    d) Permanent Total and absolute disablement as certified by Medical Practitioner



    Permanent Partial Disability:


    Loss of sight of one eye



    Loss of one limb



    Loss of toes-all



    Great-both phalanges



    Great-one phalanx



    Other than great, if more than one toe lost each



    Loss of hearing - both ears



    Loss of hearing - one ear



    Loss of Speech



    Loss of four fingers and thumb of one hand



    Loss of four fingers



    Loss of thumb-both phalanges



    Loss of thumb-one phalanx



    Loss of index finger

    i) Three phalanges


    i)Two phalanges


    i)One phalanges



    Loss of middle finger

    i) Three phalanges


    i)Two phalanges


    i)One phalanges



    Loss of ring finger

    i) Three phalanges


    i)Two phalanges


    i)One phalanges



    Loss of little finger

    i) Three phalanges


    i)Two phalanges


    i)One phalanges



    Loss of Metacarpals


    (i)First or second (additional)


    (ii)Third, fourth or fifth (additional)



    Any other permanent partial disablement

    % as assessed by Medical Practitioner appointed by us

    Annexure I: CLAIMS PROCESS


    All the claims of the Insured will be intimated through Anand Rathi Insurance Brokers Ltd., who will co-ordinate with Insurer.

    Nodal officer for ARIBL will be Mr. Akshay Zade & for Insurance Co will be Ms. Shubhangi Koli

    On receipt of the intimation, the Claim will be registered, and the Insurance Company will be provided with a Letter of Requirements.

    The notification of claim shall include:

    • Name of the deceased Civilian Account Holder
    • Account No
    • Date of Accident
    • Date of Death
    • Place of accident
    • Details of accident
    • Name of the Claimant, their Mobile No. and Email ID
    • Name of Branch/es where salary account and claimant’s account maintained.

    Claim intimation should be within Ninety (90) days from the date of accident. Delay in Intimation will be considered under genuine and circumstances of the particular claim.

    Dept. - Personal Accident for Bank of Baroda A/c holders through Civilian Salary and Pensioners Account Holders.

    It is agreed and understood that documentation forms an important component of any insurance claim. 

    Branch Manager of the Bank where the account exists will send duly filled, signed & stamped claim form along with all the relevant claim documents required to the address mentioned below:

    Ms. Arati Dhamapurkar / Mr. Akshay Zade

    Anand Rathi Insurance Brokers

    Regent Chambers, 10th Floor,

    Jamnalal Bajaj Marg, Nariman Point,

    Mumbai -400021, India.

    Tel. No. 8452861094, 022 4909 3048

    Claim Documents once received will be scrutinized by Anand Rathi insurance Brokers team and the same will be submitted to Insurer. ARIBIL WILL SEND AN ACKNOWLEDGEMENT OF CLIAM RECIPT TO THE BRANCH OVER MAIL UNDER COPY TO RETAIL LIABILITY.

    The Claimant/Nominee shall arrange for submission of the following documents towards substantiation of the claim within 180 days from date of intimation of claim for onward submission to ARIBL:

    • All supporting documents relating to the claim must be submitted within one eighty (180) days from the date of intimation.
    • The eligible claims will be settled in thirty (30) working days from the date of receiving the complete documents set.
    • In case documents are not received within one eighty (180) days of claim intimation, 1st reminder, hard copy letter will be issued immediately to Member Bank, followed by an email communication.
    • 2nd reminder mail/ hard copy letter will be sent after (190) days from claim intimation followed by an email
    • Closure letter, hard copy letter will be sent to Bank after 30 days from the 2nd reminder mail/ hard copy letter in case of no communication received from Bank.
    • All other documents should be certified/ verified from original by the Bank;
    • If documents are in Regional Language, they should be submitted duly translated in Hind/ English;
    • Payment of claim will be done to the Bank in the respective Account


    • Based on the merit of the claim, Insurer’s investigation team shall be appointed. TAT: T +3 (T is the day on which the claim documents received from the Bank).
    • In 45 days, Investigation report will be finalized. If there is a delay because of the some more facts, an interim report will be requested.


    The reminders shall be sent by Anand Rathi to Bank at regular intervals for pending claim documents, a communication via letter in hard copy / email will be sent to client with defined timeline.

    Reminder process would be same for the document’s deficiency also.

    1st reminder T+180 days

    2nd reminder T+190 days

    Closure Letter T+220 days

    T is Date of Intimation


    Once the claim is approved the payment in the form of NEFT shall be done to the account holder beneficiary (in case of Disablement) / to Nominee or legal heir (in case of Death) along with a covering letter.

    • Click Here for Document Check List & Escalation Matrix.
  • Insurance details


    Policy Number : 1208004223P105957072

    Period of Insurance : From 00:00 Hrs of 12/08/2023 To Midnight of 11/08/2024

    Contact number for information and query : (22) 25402446

  • Claim form

Frequently Asked Questions (FAQs)

  • Can a government employee open a savings bank account for drawing pensions/salary?

    Yes, government employees are welcome to open a savings bank account in baroda government employee salary account. (Scheme SB-182)

  • Can a govt employee have two accounts under this scheme?

    No, a govt employee cannot hold 2 accounts. One account for every government employee.

  • Which type of employees under the central or state government can take benefit of this scheme?

     The following has the eligibility to enjoy benefits:

    • Central government employee
    • State govt. Employee
    • PSU employee
    • Employees of local bodies
    • Employees of companies with a major holding of government.
  • How to open a salary or pension account?

    Have your applicable documents for opening a savings account and your employment ID.

    The account can be opened in the following ways: by clicking here or visiting the branch.

Banking Mantra

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