An account for the brave police forces.

Open Baroda Police Forces Salary Package account and get attractive benefits.

Baroda Police Forces Salary Package

Protecting the ones who protect us! A thoughtful PSP account (Police Salary Package), offering lifetime free Rupay Debit Card. Apply with us for police salary package today!

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Benefits
Eligibility Age
Documents Required
Most Important Terms and Conditions (MITC)
Eligibility

Baroda Police Forces Salary Package : Benefits

Personal Accidental Insurance offerings for Serving Personnel

Eligibility Age:

Minimum : 18 Years
Maximum : 60 Years or retirement age whichever is earlier (62 Years for M.P. Police)

Free PAI Coverage:

PAI Death Cover - On- duty upto ₹ 105 Lakhs and Off-duty upto ₹ 90 Lakhs
1. Salary account cover On-duty ₹ 75 Lakhs and Off-duty ₹ 60 Lakhs
2. Additional cover ₹ 10 Lakhs on Debit Card (Rupay variant)
3. Additional cover ₹ 20 Lakhs on Credit Card (Co-branded Credit card)
Permanent Total Disability (PTD) cover upto ₹ 60 Lakhs
Permanent Partial Disability (PPD) cover upto ₹ 30 Lakhs

Free Add-on covers:

Daughters’ Marriage Cover (18-25 Years): upto ₹ 6 Lakhs (10% of entitled Base PAI Cover)
Child Higher Education cover: upto ₹ 6 Lakhs (10% of entitled Base PAI Cover)
Air Accident Insurance cover upto ₹ 1 Crore
Inclusion of deaths in active operations in Personal Accident Insurance
Transportation of Dead Body- maximum upto ₹ 50000/-
Cost of Plastic Surgery / Burn- maximum upto ₹ 2 Lakhs

Free Personal Accidental Insurance for Veterans

Eligibility Age:
1. Minimum : 60 Years or retirement age whichever is earlier
2. Maximum : 70 Years
PAI Death Cover - upto ₹ 60 Lakhs
1. Pension account cover upto ₹ 30 Lakhs
2. Additional cover ₹ 10 Lakhs on Debit Card (Rupay variant)
3. Additional cover ₹ 20 Lakhs on Credit Card (Co-branded Credit card) upto 70 Years
Permanent Total Disability (PTD) cover upto ₹ 30 Lakhs
Permanent Partial Disability (PPD) cover upto ₹ 15 Lakhs

Important Terms and Conditions for Personal Accidental Insurance Cover

Maximum Base PAI Cover ₹ 60 Lakhs for Serving Personnel / ₹ 30 Lakhs for Veterans
Maximum Base PAI cover subject to 10 times of Gross Annual Income of salary / pension account holder or any of the above mentioned applicable Insurance Coverage whichever is less
Air tickets to be booked with Bank’s debit card for Air Accident Insurance cover
Higher Education cover applicable for Graduation courses
All the benefits are subject to regular monthly credit of Salary / Pension in the Savings account
PAI offered through Debit and Credit is subject to the terms and condition of Card Policy

Benefits in ATM transactions

Unlimited Free Transactions at all ATMs (BOB and other Bank ATMs)
Cash on mobile ATMs: Cardless Cash withdrawal service from ATMs

Benefits in Debit Card

Lifetime Free Debit Card
Free Accidental Death and Permanent Total Disability cover of ₹ 10 Lakhs is offered through Rupay Debit Card variant

Benefits in Credit Card

Lifetime Free Credit card
Free Accidental Death Cover (Air & Non-Air) of ₹ 20 Lakhs with Co-branded Credit Card

Other Benefits

Free Remittances – RTGS / NEFT / IMPS (through all modes)
Free Unlimited – Demand Draft / Banker’s Cheque
Free Unlimited – Personalized Cheque books
Free Mobile Banking – Save, Borrow, Invest, Shop through bob World App
Free Internet Banking – Baroda Connect
50% waiver on Locker Rentals
100% waiver on Demat Annual maintenance charges
75% waiver on issuance charges for Gift and Travel Card
Baroda Radiance Program for Customers with Net Relationship Value of ₹ 30 Lakhs and above

Retail Loan Facilities

Salary Overdraft up to ₹ 3.00 Lakhs - Available immediately after two salary credit Maximum- ₹ 3 Lakhs (avg. of two months net salary)

Digital Loans / Pre-approved Loans available
Personal Loan upto ₹ 20 Lakhs at attractive pricing
100% Processing charges waiver on Retail Loans (Home Loan, Auto Loan and Personal Loan)

Baroda Police Forces Salary Package : Eligibility Age

Eligibility criteria :

For salaried employee:
1. Scheme is applicable for regular employee
2. Scheme will be applicable after credit of one month salary of the employee and thereafter regular salary credit in the account
3. At the time of opening of account of employees who are having salary arrangement with other Banks, employees shall provide a mandate to shift their salary to Bank of Baroda in the organization payroll department

For pensioner:
1. Scheme will be applicable after credit of one month pension to the pensioners’ account and thereafter regular pension credit in the account

Employees of listed organizations are eligible subject to agreement between Bank of Baroda and Organization through a letter of consent or MOU

Central Bureau of Investigation
State Police Forces

Baroda Police Forces Salary Package : Documents Required

List Of Valid KYC Documents For Account Opening

Permanent Account Number (PAN)/ FORM60 is mandatorily to be obtained while opening of the accounts as per extant Reserve Bank of India Guidelines.

Officially Valid Documents (OVDs) for Accounts of Individuals

Passport
Driving license with photo
Proof of possession of Aadhaar Number
Voter’s Identity Card issued by Election Commission of India,
Job card issued by NREGA duly signed by an officer of the State Government.
Letter issued by the National Population Register containing details of Name and Address.

Deemed Officially Valid Documents, In case OVD does not contains current/ updated address. (At least one document from the list is Required.)

Utility bill of any service provider i.e. electricity, telephone, postpaid mobile phone, piped gas, water bill (not more than two months old)
Property or Municipal Tax receipt;
Pension or family pension payment orders (PPOs) issued to retired employees by Government Departments or Public Sector Undertakings, If they contain the address;
Letter of allotment of accommodation from employer issued by State or Central Government departments, statutory or regulatory bodies, and public sector undertakings, scheduled commercial banks, financial institutions and listed companies. Similarly, leave and license agreements with such employers allotting official accommodation;

In case of Foreign Students

Copy of Passport and copy of Visa.
An Identity Card issued by college / institution.
An admission letter for the course mentioning duration of course for which he/ she is admitted by the Institute / College.
An allotment letter on letter head of the institution/ college for allotment of hostel accommodation duly singed by the authorized signatory, mentioning detailed address and location of hostel, room no. etc. and date of allotment of hostel accommodation etc. or a valid address proof giving local address in form of rent agreement within 30 days of opening of the account.

For NRI / Foreign Tourist For PIO/OCI

Passport
Valid Visa
PAN/FORM60

Address proof mentioning the current overseas address (any one of the below)

Documents issued by Govt. Deptt. of foreign jurisdictions i.e. Driving License, National Identification Card, Social Security Card, Employee Card and Labour Card, Tax Residency Certificate etc. having Name and Address of the Applicant Letter Issued by Foreign Embassies or Mission in India having Name and Address of the Applicant Utility bill of any service provider i.e. electricity, telephone, postpaid mobile phone, piped gas, water bill (not more than two months old) Property/ Municipal Tax Receipt
Letter of allotment of accommodation/ Leave and License agreements allotting official accommodation from employer issued by State or Central Govt. departments, statutory or regulatory bodies, public sector undertakings, scheduled commercial banks, financial institutions and listed companies.

For Foreign Nationals

PAN/FORM60 Valid Foreign Passport Valid Indian Visa	Address proof mentioning the current overseas address (any one)	Foreign Driving License Documents issued by Govt. Deptt. of foreign jurisdictions i.e. National Identification Card, Green Card and Social Security Card etc. having Name and Address of the Foreign National. Letter Issued by Foreign Embassies or Mission in India having Name and Address of the Applicant

PAN/FORM60
Valid Foreign Passport
Valid Indian Visa

Address proof mentioning the current overseas address (any one)

Foreign Driving License
Documents issued by Govt. Deptt. of foreign jurisdictions i.e. National Identification Card, Green Card and Social Security Card etc. having Name and Address of the Foreign National.
Letter Issued by Foreign Embassies or Mission in India having Name and Address of the Applicant

(FRRO/ FRO Certificate/ Permit/ Indian Driving License/ OVDs/ any Deemed OVD mentioned herein above, is required to be provided for Indian Address Proof.)

Accounts of Companies	Certificate of Incorporation Memorandum & Articles of Association. PAN No. of the Company Resolution of the Board of Directors and Power of Attorney granted to its managers, officers or employees to transact on its behalf; and Any one of the OVDs and PAN/FORM60 of the managers, officers or employees, as the case may be, holding an attorney to transact on its behalf with his / her photograph
Accounts of Sole Proprietary firms.	(Any two of the following documents to be obtained) Registration Certificate Certificate/ license issued by the municipal authorities under Shop & Establishment Act, Sales and income tax returns, CST/ VAT/GST Certificate (Provisional/Final), Certificate / registration document issued by Sales Tax / Service Tax / Professional Tax authorities. IEC (Importer Exporter Code) issued to the proprietary concern by the office of DGFT or License/ certificate of practice issued in the name of proprietary concern by any professional body incorporated under statute Complete Income Tax return (not just the acknowledgement) in the name of Sole Proprietor where the Firm’s income is reflected, duly authenticated/ Acknowledged by the Income Tax Authorities. Utility bills such as electricity, water, and landline telephone bills in the name of the proprietary concern. In case where the branches are satisfied that it is not possible to furnish two such documents from the above list, they would have the discretion to accept only one of those documents as activity proof. In such cases, the branches would have to undertake contact point verification, collect information to establish the existence of such firm, confirm, and satisfy itself that the business activity has been verified from the address of the proprietary concern. AND Any one of the OVDs along with PAN/ FORM60 of the proprietor.
Accounts of Partnership firms. (Registered)	Registration certificate, Partnership deed; and PAN No. of the Partnership Firm, Any one of the OVDs and PAN/ FORM60 of the person holding an Attorney to transact on its behalf with his/ her photograph
Accounts of Trusts	Registration Certificate Trust Deed PAN/ FORM60 of Entity Any one of the OVDs and PAN/FORM60 of the person holding an Attorney to transact on its behalf with his/her photograph.
Accounts of Unincorporated Associations or body of individuals includes unregistered	Resolution of the Managing body of such association or body of individuals; PAN/ FORM60 of Unincorporated Associations or body of individuals Power of Attorney granted to transact on its behalf;
Partnership firm/ trusts and societies.	Any one of the OVDs and PAN/ FORM60 of the Office bearers / Signatories and persons holding Power of Attorney, if any with his/her photograph in respect of the person holding an Attorney to transact on its behalf; Any one of the below mentioned list of documents to collectively establish the legal existence of such an associations or body of individuals. Partnership Deed/ Trust Deed/ Bye Laws Certificate/ license issued by the municipal authorities under Shop & Establishment Act, Sales Tax Returns, CST/ VAT/ GST certificates (Provisional/ Final) Certificate/ registration document issued by Sales Tax/ Service Tax/ Professional Tax authorities. License/ certificate of practice issued in the name of proprietary concern by any professional body incorporated under statute. Complete Income Tax return (not just the acknowledgement) in the name of Sole Proprietor where the Firm’s income is reflected, duly authenticated/ Acknowledged by the Income Tax Authorities. Utility bills such as electricity, water, and landline telephone bills in the name of the concerns.
Accounts of Hindu Undivided Family	PAN Card of HUF. Declaration from the Karta. HUF Letter/ Declaration signed by all the coparcener and Karta. Any one of the OVDs and PAN/ FORM60 of the Karta with his / her photograph
Accounts of the Government or its Departments, societies, universities and local bodies like village panchayats etc.	Document showing name of the person authorized to act on behalf of the Government or its Departments, societies, universities and local bodies like village panchayats; Any one of the OVDs and PAN/FORM60 of the person holding an attorney to transact on its behalf and Any document to establish the legal existence of such an entity/ juridical person.
Account of Political Parties	Duly signed resolution of the working committee/ managing body as per bye- laws indicating details of the party president/ authorized signatory, tenure etc. PAN of the Political Party Power of Attorney granted to transact on its behalf; Duly authenticated copy of Constitution/ Bye laws of the Party Duly authenticated copy of Registration of Party with election commission Authority letter, on party letter head, from Party president/ Authorized signatory as per Bye-laws for opening of account mentioning address of the State Unit, Title of Account and operating instructions for authorized signatory with attestation of their signature and photograph. Any one of the OVDs and PAN/ FORM60 of the Office bearers / Signatories and persons holding Power of Attorney, if any with his/her photograph in respect of the person holding an Attorney to transact on its behalf;

Baroda Police Forces Salary Package : 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 Pass Book
Rs. 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 Baroda Defence Salary Package

For Salary e-mail us at: defencebanking.delhi@bankofbaroda.com

For pension accounts: cppc.delhi@bankofbaroda.com

Baroda Police Forces Salary Package : Eligibility

For salaried employee:
1. Scheme is applicable for regular employee
2. Scheme will be applicable after credit of one month salary of the employee and thereafter regular salary credit in the account
3. At the time of opening of account of employees who are having salary arrangement with other Banks, employees shall provide a mandate to shift their salary to Bank of Baroda in the organization payroll department

For pensioner:
1. Scheme will be applicable after credit of one month pension to the pensioners’ account and thereafter regular pension credit in the account
2. Employees of listed organizations are eligible subject to agreement between Bank of Baroda and Organization through a letter of consent or MOU
  - Central Bureau of Investigation
  - State Police Forces

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