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bob Sapphire Women SB Account

Note: The Bank may use the services of agents in sales/marketing etc. of its various products.

In today’s fast-paced world, women are leading with confidence, making smart financial decisions, and living life on their own terms. That’s why we’ve crafted the bob Saphire Women SB Account —an exclusive premium offering designed for women who demand sophistication, luxury, and the very best in banking. With this account, you’ll experience unparalleled financial growth and a world of benefits that elevate every aspect of your life.

Benefits
Features
Eligibility
Documents Required
Interest Rates & Charges
Most Important Terms and Conditions (MITC)

bob Sapphire Women SB Account : Benefits

Note : "T&C Apply"

bob Sapphire Women SB Account : Features

Account Eligibility and Details

Sr.

Parameters

Details

Eligibility

Women (18 to 60 years)
(Singly or Jointly – First A/c holder should be Women Only)

Account Opening Channels

Branch, Online

Monthly Average Balance (MAB)

Rs. 1.00 Lakh,
No maximum Limit

Critical Illness Care Plan

Complementary upto Rs. 10.00 Lakhs Cover from Star Health Insurance

Cheque book issuance charges

Free for routine usage

Debit Card

VISA Saphire Debit Card (Issued to 1st holder only)

Debit Card Issuance Fee

Free for VISA Saphire Debit Card issued to 1st holder only.

Debit Card Renewal Fee

As per Bank’s guidelines.

bobWorld Internet / Mobile / WhatsApp Services

Allowed

10.

FFD Facility

Allowed on request

Above Amount	Rs 2,00,000
Tenure	181 Days
Sweep out in Multiple	Rs 25,000
Sweep in multiple	Rs 10,000
Premature Penalty	As per Bank’s extant guidelines
Additional ROI	As per Bank’s extant guidelines
Sweep Frequency	Weekly – On Monday

11.

Account Conversion

Allowed, for Women’s Accounts only (Primary Account holder), provided existing accounts have MAB of Rs. 1.00 Lakh for last 2 Months or Declaration to maintain in the present Month.

12.

Doorstep Banking Services (DSBS)

2 Services Free per Quarter

13.

NEFT / RTGS

Free

14.

IMPS

50% Discount of normal charges

15.

Cash Deposit Charges

Free in Base Branch

16.

Cash Deposit in Non-Base branch

Free up to Rs. 1.00 Lakh per day. Thereafter Bank’s extant guidelines will be applicable.

17.

Locker Charges discount

20% discount on Small Size Locker in the name of 1^st Holder only.

Subject to

Availability at the location.
Only -1- Locker will be provided at a discounted rate.

-2- Discounts cannot be clubbed, however Higher of the -2- may be provided.

18.

Gift & Travel Card

Free Issuance for 1 Travel / Gift Card per quarter

19.

SMS / Email Alert Charges

Free

20.

Debit Card Transaction at Bank's own Domestic ATM's

As per Bank’s extant guidelines.

21.

Transaction at other Banks ATM

As per Bank/RBI guidelines applicable from time to time.

22.

Concession in Demat AMC

Free AMC for 1st year

23.

Complementary Zero balance

Complementary Zero balance “bob Lite” / “bob BRO” SB Account for their children (Max 2)

24.

Scheme Transfer (from Women Premium SB)

Allowed, Subject to T & C of Target Scheme Code.

25.

Sol Transfer

Allowed, as per Bank’s extant guidelines.

26.

Nomination

Allowed, as per Bank’s extant guidelines.

30.

Benefits Linked with the VISA Sapphire Female Debit Card

(*The above offers/benefits may change from time to time.

For more details, please refer to our Website: bob World Sapphire)

bob Sapphire Women SB Account : Eligibility

Gender: Women
Age: 18 years to 60 years

*On completion of 60years, no benefits will be passed on to the customer.

bob Sapphire Women SB Account : 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;

bob Sapphire Women SB Account : Interest Rates & Charges

For Interest Rates & Charges please “Click Here”

Particulars	MONTHLY AVERAGE BALANCE (MAB) REQURIMENT				CHARGES TO BE LEVIED_MONTHLY BASIS (EXCLUDING GST)
Scheme_Name	RURAL	SEMI URBAN	URBAN	METRO	RURAL	SEMI URBAN	URBAN	METRO
bob SAPPHIRE WOMEN SB ACCOUNT	Rs1,00,000/-				0.5% of actual shortfall amount on monthly basis, subject to Max. Rs. 500/- Min. Rs. 50/-

bob Sapphire Women SB Account : Most Important Terms and Conditions (MITC)

Disclosure of Information:

All the benefits are available such as Free Issuance of Premium Debit Card, Locker Discounts, DSBS Services are available for 1st Name Account holder only. The second holder can only operate the account and transactions related benefit can be provided.
Any services such as Debit Card, Locker, DSBS etc. availed by additional Account holders will be chargeable as per Service Charges Schedule of Bank.
Only -1- Discount /Waiver / Concession is to be provided from -2- or more offers if any running at that time, however higher of all may be provided to the Account Holders.
Interest Rates of Retails loans after Concessions should not go below the minimum rates set by the Bank. Applicable only on New Sanctions and only 1 Loan in the name of 1st Account Holder.
Accounts may be allowed to open with Zero Balance, however Debit Card and other benefits to be provided only after funding of Account by minimum amount of Rs. 50,000/-.
Scheme Conversion may be allowed with lower balance in the Account, however Debit Card and other benefits to be provided only after funding of Account by minimum amount of Rs. 50,000/-.
FFD facility will be provided on request basis only for Account open as well as Account conversion. By default, FFD will be No in the Account. In case, Customer request for FFD, Branch to add the same in the CBS in HACM Menu under Flexi Tab.
At the time of the Scheme transfer out from Sapphire Women SB Scheme, all the benefits will be withdrawn & FFD facility will be cancelled from the Account irrespective of Target Scheme have FFD or not.
In case of Death of 1st Holder, Account Scheme to be changed to Eligible category of SB scheme based on the Surviving Members eligibility with required notices as per Bank’s process.
Critical Care coverage is provided by our Health Partner “Star Health Insurance Company Limited” and is covered by their guidelines, subjected to the Terms and Conditions and agreement between the Bank and Star Health Insurance Company Limited. For any other information or detail visit https://www.starhealth.in/health-insurance/critical-illness-insurance/
The offers provided by the VISA Sapphire Card is subject to change, please visit https://www.bankofbaroda.in/personal-banking/digital-products/cards/debit-cards/bob-world-visa-sapphire-debit-card for updated offers and benefits.

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).

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).

Transactions

Transactions of saving oriented nature are permitted. Commercial transactions are non-allowable transactions. If non allowable transactions are noticed then Bank may close the account with prior notice/intimation citing reasons thereof. In case of single account of minor to be operated by him/her the maximum balance outstanding on any day should not be more than Rs. 100000/- when the minor is aged between 10-14 years.