Bank of India Savings Account

Types of Bank of India Savings Account	Primary Features
Star Suraksha SB Plus Account	Average Quarterly Balance – Rs.500 Personal Accidental Death Insurance Cover – Rs.50,000
Savings Bank Ordinary Account	Initial Deposit & AQB – Rs. 500 (For Cheque Book Operated Accounts) Unlimited ATM transactions (Only at BOI ATMs)
BOI Savings Plus Scheme	AQB – Rs. 25000 (Savings Account) & Rs. 5000 (Term Deposit) Auto Sweep Facility Available
BOI Super Saving Plus	Auto Sweep Facility Nomination Facility Available
Diamond Saving Bank Account	Free Issuance of International Platinum card No Initial Deposit
BOI Star Yuva Account	Complimentary Personal Accident Insurance Internet Banking available
BOI Star Mahila SB Account	Exclusive Account for Women Average Quarterly Balance – Rs. 5000
BOI Star Senior Citizen SB Account	Average Quarterly Balance – Rs. 10000 Group Personal Accident Death Insurance – Rs. 5 lakh
SB Account for Pensioners	Zero Balance Savings Account Group Personal Accident Death Insurance – Rs. 5 lakh
BOI Basic Savings Account (No Frill)	Zero Balance Savings Account Free Debit Cum ATM card
Jai Jawan Salary Plus Account	Free Personal Accident Insurance cover of Rs.10 Lakhs (on Death only) ATM Cash Withdrawal Limit – Rs. 50,000 & POS Limit – Rs. 1 lakh
Salary Plus Account Scheme	Zero Balance Savings Account Different Accounts for Para Military Forces, Central & State Govt. Employees, and Private Sector Employees
BOI Gurukul SB Account	Zero Balance Savings Account Free RTGS/NEFT
BOI Saral Salary Account Scheme	Zero Balance Savings Account Free Internet Banking / Mobile Banking

1. Star Suraksha SB Plus Account

Star Suraksha SB Plus Account	Features
Initial Balance	Rs.500
Average Quarterly Balance requirement	Rs.500
Interest Rate	4% p.a.*
Personal Accidental Death Insurance Cover	Rs.50,000 (Premium Paid by Bank)
Eligibility Criteria	Individuals, except Minors, NRIs and accounts under Diamond Category

*Bank of India savings account interest rate is 4% per annum if the balance in the account is above Rs. 50 lakh. For balances up to Rs. 50 lakh, the rate of interest provided is 3.50% per annum.

2. Savings Bank Ordinary Account

Savings Bank Ordinary Account	Features
Initial Balance & Average Quarterly Balance requirement	Rs.500/- for Cheque book operated and Rs.100/- for non-cheque book accounts
Internet Banking Facility	Available
Interest Rate	4% p.a.*
Nomination Facility	Available
Eligibility Criteria	Individual, Illiterate Persons, Blind persons, Minors, Associations, Clubs, Societies, etc. Trusts, Institutions/Agencies specifically permitted by the RBI

*Bank of India savings account interest rate is 4% per annum if the balance in the account is above Rs. 50 lakh. For balances up to Rs. 50 lakh, the rate of interest provided is 3.50% per annum.

3. BOI Savings Plus Scheme

BOI Savings Plus Scheme	Features
Minimum Balance Requirement	Rs. 25000 in Savings Account Rs. 5000 in Term Deposit
Auto Sweep Facility	Yes
Interest Rate	Up to 6% p.a.*
Nomination Facility	Available
Eligibility Criteria	Resident Indian

*Bank of India savings account interest rate is 4% per annum if the balance in the account is above Rs. 50 lakh. For balances up to Rs. 50 lakh, the rate of interest provided is 3.50% per annum. Bank of India offers 5.25% p.a. interest for tenure ranging from 15 days to 45 days; 5.75% p.a. for tenure ranging from 46 days to 90 days; 6% p.a. interest on tenure ranging from 91 days to 179 days.

4. BOI Super Saving Plus

BOI Super Saving Plus	Features
Initial Balance	Rs. 20 lakh
Average Quarterly Balance requirement	Rs. 5 lakh
Period of Deposit	Less than 6 months
Nomination Facility	Available
Eligibility Criteria	All those who can open Savings Account are eligible to open this account

5. Diamond Saving Bank Account

Diamond Saving Bank Account	Features
Initial Balance	NIL
Average Quarterly Balance*	Rs. 1 lakh & above
Interest Rate	4% p.a.**
Debit Card	Free Issuance of International Platinum card
Free Group Personal Accidental Death Insurance Cover	Rs. 5 lakh

*Up-gradation and down-gradation of tierised Savings Bank Account every quarter by the system on the basis of AQB maintained in the last quarter. The system extends the benefits automatically, if accounts fall under diamond category and vice-versa.**Bank of India savings account interest rate is 4% per annum if the balance in the account is above Rs. 50 lakh. For balances up to Rs. 50 lakh, the rate of interest provided is 3.50% per annum.

6. BOI Star Yuva Account

BOI Star Yuva Account	Features
Average Quarterly Balance Requirement	Age group 21-35 years:- Rs.5,000/-in Metro/Urban Branches Rs. 2500/- in Semi-urban/Rural Branches
Internet Banking Facility	Available
Interest Rate	4% p.a.*
Personal Accident Insurance	Complimentary Cover Up to Rs.50,000 (Age group of 18-21 years) Rs. 5 lakh cover (After 21 years)

*Bank of India savings account interest rate is 4% per annum if the balance in the account is above Rs. 50 lakh. For balances up to Rs. 50 lakh, the rate of interest provided is 3.50% per annum.

7. BOI Star Mahila SB Account

BOI Star Mahila Account	Features
Average Quarterly Balance Requirement	Rs. 5000
Internet Banking Facility	Available
Interest Rate	4% p.a.*
Group Personal Accident Death Insurance	Cover of Rs.5 lakhs (Premium paid by Bank)
Eligibility Criteria	Women (18 years of age and above)

*Bank of India savings account interest rate is 4% per annum if the balance in the account is above Rs. 50 lakh. For balances up to Rs. 50 lakh, the rate of interest provided is 3.50% per annum.

8. BOI Star Senior Citizen SB Account

BOI Star Senior Citizen SB Account	Features
Average Quarterly Balance Requirement	Rs. 10000
Internet Banking Facility	Available
Interest Rate	4% p.a.*
Group Personal Accident Death Insurance	Cover of Rs.5 lakhs (Premium paid by Bank)
Eligibility Criteria	Citizen (57 years of age and above)

*Bank of India savings account interest rate is 4% per annum if the balance in the account is above Rs. 50 lakh. For balances up to Rs. 50 lakh, the rate of interest provided is 3.50% per annum.

9. SB Account for Pensioners

BOI SB Account for Pensioners	Features
Minimum Balance Requirement	Zero Balance Savings Account
Internet Banking Facility	Available
Interest Rate	4% p.a.*
Issuance of DD/Pay slips	Free 6 DD/ Pay slips per Quarter
Eligibility Criteria	All Pensioners drawing pension from Bank of India irrespective of age

*Bank of India savings account interest rate is 4% per annum if the balance in the account is above Rs. 50 lakh. For balances up to Rs. 50 lakh, the rate of interest provided is 3.50% per annum.

10. BOI Basic Savings Account (No Frill)

BOI Basic Savings Account (No Frill)	Features
Minimum Balance Requirement	Zero Balance Savings Account
Debit Card	Free Debit Cum ATM card
Interest Rate	4% p.a.
Nomination Facility	Available
Eligibility Criteria	Adult Resident Individuals

11. Jai Jawan Salary Plus Account For Defence Personnel

BOI Jai Jawan Salary Plus Account	Features
Minimum Balance Requirement	Zero Balance Savings Account
Debit Card	Free Platinum Debit Cum ATM Card
ATM Withdrawal Limit / POS Limit	Rs. 50000 / Rs. 1 lakh
RTGS / NEFT Charges	Free
Eligibility Criteria	All permanent employees of Defence Forces

12. Salary Plus Account Scheme

Bank of India offers different packages with various benefits for Para-Military Forces, Employees of Central & State Government/Universities/Colleges & Public Sector Undertaking, and Private Sector Employees. The features for all these accounts are as follows:

• Para Military Forces

Para Military Forces	Features
Minimum Balance Requirement	Zero Balance Savings Account
Debit Card	Free Platinum Debit Card
ATM Withdrawal Limit / POS Limit	Rs. 50000 / Rs. 1 lakh
RTGS / NEFT Charges	Free
Eligibility Criteria	All employees on regular pay roll of Para Military forces (Minimum take home salary Rs 10,000/- p.m.)

• Employees of Central & State Government

Employees of Central & State Government	Features
Minimum Balance Requirement	Zero Balance Savings Account
Debit Card	Free Platinum Debit Card
ATM Withdrawal Limit / POS Limit	Rs. 50000 / Rs. 1 lakh
RTGS / NEFT Charges	Free
Eligibility Criteria	Employees of Central and State Government/ Universities/ Colleges/PSU (Minimum Take home salary of Rs. 10000)

• Private Sector Employees

Private Sector Employees	Features
Minimum Balance Requirement	Zero Balance Savings Account
Debit Card	Free Global Debit Cum ATM Card
ATM Withdrawal Limit / POS Limit	Rs. 50000 / Rs. 1 lakh
RTGS / NEFT Charges	Free
Eligibility Criteria	Private Sector Employees (Minimum take home salary of Rs. 10000)

13. BOI Gurukul SB Account

BOI Gurukul SB Account	Features
Minimum Balance Requirement	Zero Balance Savings Account
Credit Card	Free Gold Credit Card (Salary > Rs. 10,000 for last 6 months) Free Gold International Card (Salary = Rs. 25,000 & above for last 6 months)
Group Personal Accident Death Insurance Cover	Rs. 5 lakh
RTGS / NEFT Charges	Free
Eligibility Criteria	All Teaching and Non-Teaching staff of school/colleges/universities and all such educational institutes

14. BOI Saral Salary Account Scheme

BOI Saral Salary Account Scheme	Features
Minimum Balance Requirement	Zero Balance Savings Account
Personal Accident Death Insurance	Free (Cover – Rs. 1 lakh)
Credit Card	Free Gold Credit Card (Salary > Rs. 10,000 for last 6 months) Free Gold International Card (Salary = Rs. 25,000 & above for last 6 months)
Internet Banking / Mobile Banking	Free
Eligibility Criteria	All employees on regular pay roll of any institute (Central Govt. / State Govt. / PSU / Private sector etc.)

If you are planning to open a savings account with Bank of India, then it becomes necessary to be aware of the BOI Savings account documentation. Listed below are the essential documents required with your recent photographs to open a BOI Savings account.

1. Recent Passport size photographs
2. Proof of identity:

• PAN Card (Mandatory)
• Aadhaar Card (Mandatory)
• Passport
• Voter ID card
• Defence ID card
• ID cards of reputed employers
• Driving Licence

3. Proof of Address:

• Aadhaar Card
• Credit Card Statement
• Salary slip
• Income/Wealth Tax Assessment Order
• Electricity Bill
• Telephone Bill
• Bank account statement
• Letter from reputed employer
• Letter from any recognized public authority
• Ration Card

You can easily open a Bank of India Savings Account by following 3 easy steps:

1. Download Application form online from Bank of India’s official website. After downloading the form, you need to fill the application form, print it and then sign it. After that you need to attach all the required documents as well, which are as follows:

• Copy of passport
• Two photographs of account holder/s
• Signatures to be verified by Indian embassy/known bankers
• Full particulars as provided in the application form including nomination

2. All documents should be duly attested and verified by known bankers / Indian Embassy
3. Submit to your nearest branch

For any queries, you can also contact Bank of India using below-mentioned phone banking numbers.

Bank of India Phone Banking Numbers
1800 220 229 or 91-22-40919191
Credit Cards
All Types of Enquiry	Toll Free: 1800 220 088 Land Line: (022) 40426005 / 40426006
Hot Listing (Deactivating Card)	Toll Free : 1800 220 088 Land Line : (022)40426005 / 40426006
Merchant Enrolment	Land Line : (022)61312937
ATM Cards / Debit Cards
Enquiry	Land Line: (022)40429036 & (080)69999203 Email: boi.customerservices@oberthur.com
Hot Listing(Deactivating Card)	Toll Free: 1800 425 1112 Land Line: (022) 40429123 / (022 )40429127 Manual : (44) 39113784 / (044) 71721112 Email: PSS.Hotcard@fisglobal.com
RTGS / NEFT
RTGS	(022) 67447092 / 93
NEFT	(022) 61312984/61312992/61312997