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

Salary and Pension Solutions for Central/ State Govt. employees for drawing Salary/ Pension : Features

Salary and Pension Solutions for Central/State Government employees for drawing Salary/Pension.
  • Comprehensive Personal Accidental Insurance upto Rs. 40 Lakhs#
  • Permanent Total Disability cover upto Rs. 40 Lakhs#
  • Permanent Partial Disability cover upto Rs. 20 Lakhs#
  • Air Accident Insurance cover upto Rs.10.00 Lacs#
  • Personal Accident Insurance cover between age 18 -70 years
  • Overdraft facility available*
  • 100% waiver in processing charges on Home loan, Auto Loan, Education Loan, Mortgage Loans and Personal Loan#

# T&C Apply

*subject to approval as per extant guidelines of Bank

Salary and Pension Solutions for Central/ State Govt. employees for drawing Salary/ Pension : 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

(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;

Salary and Pension Solutions for Central/ State Govt. employees for drawing Salary/ Pension : 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: liabilities.corp.bcc@bankofbaroda.com
for pension accounts: cppc.delhi@bankofbaroda.com

Salary and Pension Solutions for Central/ State Govt. employees for drawing Salary/ Pension : Insurance related information

  • Claim process

    CLAIM INTIMATION

    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 Mr. Mahendra Kamath

    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:

    1. Brief note on incident (Including Date & Time of incident)
    2. Details of the Affected Customer Account/name of the concerned person/ contact details of the Nominee to be contacted.
    3. Claim intimation should be within one eighty (180) 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 Non-Defence/Civilians Salary/Savings/ Current Accounts

    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 CLAIM 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

    INVESTIGATOR APPOINTMENT (SPECIFIC CASES THAT NEED DETAILED INVESTIGATION)

    • 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.

    CLAIMS FOLLOW UP / PROCESSING

    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 documents deficiency also.

    1. 1st reminder T+180 days
    2. 2nd reminder T+190 days
    3. Closure Letter T+220 days

    T is Date of Intimation


    CLAIM PAYMENT

    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.


    DOCUMENT CHECK LIST

    Accidental Death & Air Accident Insurance Claim:-

    • Claim Form duly completed and signed.
    • Original Death Certificate.
    • Original or Certified copy of FIR, Panchnama / Inquest Panchnama / Hospital Report
    • Original or certified copy of Post Mortem Report along with Chemical Analysis/FSL Reports (wherever applicable).
    • Copy of Aadhaar card of Account holder and nominee or any other officially / legally valid ID proof

    Others as follows:-

    • Declaration from the Bank Home Branch, where account is opened / operated, duly signed by authorized signatory and bank stamp
    • Declaration from Bank specifying that the account holder is through Non-Defence/Civilian Account holder.
    • Account is active/ operative.
    • NEFT details of the claimant certified by the claimant's bank.
    1. Nominee details to be furnished with details like Name, D.O.B and Relation wherever available.
    2. Other Suitable document to prove Legal heirs (Applicable in case if claimant is not a nominee/Joint account holder as per Bank’s record)
    • Brief description of the incident/ accident
    • For Air Accident: Air Ticket using BOB Debit card/ Internet Banking/ Boarding Pass.

    Permanent Partial Disability/Permanent Total Disability-

    • Claim Form duly completed and signed.
    • Discharge card along with case history confirmation therein duration & percentage of disability duly certified by the concerned/treating Physician/Surgeon.
    • All investigation report in original copies* thereof in respect of tests had undergone pertaining to accident.
    • Copy of Aadhaar card of Account holder and/or nominee or any officially valid document.
    • Declaration from the Bank Home Branch, where account is opened/operated, duly signed by authorized signatory and bank stamp:
    • Declaration from Bank specifying that the account holder is through Salary/ Saving/Current accounts with the bank. (Format will be provided.)
    • Account is active/ operative.
    • NEFT details of the claimant certified by the claimant's bank.
    • Nominee details to be furnished with details like Name, D.O.B and Relation wherever available.
    • Other Suitable document to prove Legal heirs (Applicable in case if claimant is not a nominee/Joint account holder as per Bank’s record)
    • Brief description of the incident/ accident

    Escalation Matrix:-Marketing and Servicing

    Anand Rathi Insurance Brokers Ltd.

    Escalation Level

    Name

    Designation

    Contact Details

    Email ID

    Claims Service Manager

    Ms. Arati Dhamapurkar

    Deputy Manager

    8657963867

    aratidhamapurkar@rathi.com

    Service Relationship Manager

    (1st Escalation Level)

    Mr. Akshay Zade

    Manager

    9011085172

    akshayzade@rathi.com

    Assistant Vice President

    (2nd Escalation level)

    Ms. Nivya Rai

    Assistant Vice President

    9869722668

    nivyarai@rathi.com

    Relationship Manager

    (2nd Escalation level)

    Mr. Mayank Sharma

    Manager

    9029867595

    mayanksharma@rathi.com

    Assistant Vice President

    (3rd Escalation level)

    Mr. Nikhil Gajre

    Assistant Vice President

    7977671443

    nikhilgajre@rathi.com

     Senior Vice President

    (4th Escalation level)

    Ms. Sapna Maheshwari

    Senior Vice President

    9930357213

    sapnamaheshwari@rathi.com

    Service Manager

     

    Mrs Rupali Pandit 

    Assistant Manager

    9702121538

    rupalipandit@uiic.co.in

    Service Manager

     

    Mrs Komal Dayaramani

    Deputy Manager

    9892858470

    kldayaramani@uiic.co.in

    Claims Team

    Vasuda K Koyande

    Admin Officer

    9987239126

    vasudhak@uiic.co.in

    Claims Team

    Mrs Vasundhara Patil

    Deputy Manager

    9869456059

    vasundharapatil@uiic.co.in

    Sr. Divisional Manager

    Mrs Shubhangi Koli 

    Sr. Divisional Manager

    9819492984

    sskoli@uiic.co.in


    STANDARD EXCLUSIONS UNDER THE POLICY:

    THEFOLLOWING EXCLUSIONS NEED TO BE TAKEN NOTE OF BESIDES THE OTHERS AS PER THE STANDARD GROUP PERSONAL ACCIDENT CLAUSE:

    1. 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
    2. 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.
    3. 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.

    BREAKUP UP OF INSURANCE:

    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

    1

    Accidental Death

    100

    2

    Permanent Total Disability:

     

    a) Loss of sight (both eyes)

    100

    b) Loss of two limbs

    100

    c) Loss of one limb and one eye

    100

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

    100

    3

    Permanent Partial Disability:

     

    A

    Loss of sight of one eye

    50

    B

    Loss of one limb

    50

    C

    Loss of toes-all

    20

    D

    Great-both phalanges

    5

    E

    Great-one phalanx

    2

      F

    Other than great, if more than one toe lost each

    1

    G

    Loss of hearing - both ears

    50

    H

    Loss of hearing - one ear

    15

    I

    Loss of Speech

    50

    J

    Loss of four fingers and thumb of one hand

    40

    K

    Loss of four fingers

    35

    L

    Loss of thumb-both phalanges

    25

    M

    Loss of thumb-one phalanx

    10

    N

    Loss of index finger

     

    i) Three phalanges

    10

    i)Two phalanges

    8

    i)One phalanges

    4

    O

    Loss of middle finger

     

    i) Three phalanges

    6

    i)Two phalanges

    4

    i)One phalanges

    2

    P

    Loss of ring finger

     

    i) Three phalanges

    5

    i)Two phalanges

    4

    i)One phalanges

    2

    Q

    Loss of little finger

     

    i) Three phalanges

    4

    i)Two phalanges

    3

    i)One phalanges

    2

    R

    Loss of Metacarpals

     
     

    (i)First or second (additional)

    3

    (ii)Third, fourth or fifth (additional)

    2

    S

    Any other permanent partial disablement

    % as assessed by Medical Practitioner appointed by us

  • Insurance details

    Insurance company - United India Insurance Company Limited

    Policy Number - 120800422P105011461

    Period of Insurance - From 00:00 Hrs of 12/08/2022 to Midnight of 11/08/2023

    Contact number for information and query - 022-25402446

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