Baroda Small Business Current Account

The Correct Account
for Your Business

Baroda Small Business Current Account.

Baroda Small Business Current Account (BSBCA)

  • This Account is specially customized to cater to Banking needs of small business accounts run by
    • Individuals
    • Proprietorship firms
    • Partnership Concerns
  • Best suited for
    • Start Ups
    • Mom & Pop stores.
  • This account is based on concept of "PAY AS YOU USE"
  • Available only for Metro & Urban centers.
  • Lower Quarterly Average Balance unlocks the potential of funds in the account for use in businesses.
  • 5 Non ADC transactions are free per month.
  • Unlimited free digital transactions.

Key Features & Charges

Maximum Annual Turnover Permissible Annual Turnover in a Financial year is capped at Rs. 20 lakhs.
Transaction Charges
  • First 5 non ADC transactions are free/month after which Rs.10 +Taxes per transaction will be levied for all non ADC transactions routed through branches till annual turnover reaches Rs 20 lakhs.
  • If Annual turnover crosses Rs 20 lakhs, transaction charges @ Rs 15+ Taxes   per transaction will be levied.
  • All ADC transactions are free irrespective of number.
Minimum Quarterly Average Balance (QAB)  Requirement QAB – Rs. 2500/-
Cheque Book First  cheque book of 50 leaves free, thereafter charges per leaf will be levied @ Rs 5/-+ Taxes.
Minimum Balance charges for non maintenance of Quarterly Average Balance (QAB) Rs. 300+Taxes per Quarter
Debit card Ru-Pay card (for Individuals & proprietors only) – Free for first year and chargeable subsequently as per standard rates.

Cash Deposit

Base Branch and Local Non Base Branch.
  • Cash deposit upto Rs. 50000/- or upto 10 packets i.e. 1000 pieces of notes of any denominations taken together, whichever is higher – Free of charge per day.
  • Above  10 Packets i.e. 1000 pieces of notes charges will be levied @ Rs. 10/- per packet or a part thereof. (Min. Rs. 10/- & Max. Rs. 10000/- plus Taxes as applicable.
Outstation Non Base Branch No cash handling charges up to Rs. 50000/- per day per account thereafter in excess  of Rs. 50000/- service charge is @ Rs. 2/- per thousand or part thereof.

Cash Withdrawal

Local Base Branch Free of charge in respect of any amount/any number of cash withdrawal per day per account.
Local Non base /Outstation Non Base Branches First two cash withdrawals of any amount per account per calendar month is free of charges  thereafter  each cash withdrwal per day per account in excess of Rs. 25000/-, service charge @ Rs. 2/-  per thousand or part thereof) is applicable.


  • No Cash payment to third party.
  • Per transaction limit of Rs. 50000/- to customers through self cheque.

Other Features & Charges

Mobile Banking/Internet banking Free
Statement of accounts
  • Free two times in a month.
  • One statement (Hard Copy) free in a month.
  • Free e-statement on registered e-mail provided minimum 4 transactions per month are there in the account.
Folio Charges
  • Minimum charges – Rs. 75/-
  • Free Folio allowed p.a. based on Avg. Cr. Bal
    • If Avg. Cr. Bal. upto Rs. 1 lacs – Nil
    • if Avg. Cr. Bal. > Rs. 1 lacs – All Free
Remittance As per Standard charges of NEFT/RTGS

Other Common Charges

Premature Closure Charges (If account closed within a year)
  • Individuals : Rs 250/- + Taxes
  • Others : Rs. 500 + Taxes
SMS Alerts Rs. 25/- + Taxes per Quarter.

Other value Added Features

Discount on DEMAT services Waiver of 1st year AMC charges of  250/- for individuals and Rs 550/- for Non individuals. ( individuals, partners, proprietors)
Cash Recyclers and Deposit machines Available at our 24x7 E-Lobbies.
Payment Solutions
  • Baroda e-Gateway.
  • Cash management & Remittance facility available.
  • POS facility available.

Debit Card Related Charges

ATM Transactions at other bank ATM (India) Rs. 20/- for every  transactions
Card Replacement charges (in India) Rs. 200/- per replacement.
Pin Generation Rs. 150/- per regeneration.
Transactions at Rupay enabled ATMs (Abroad)
  • RuPay Platinum Card only is eligible for international transactions.
  • Cash Withdrawal Rs. 400/- per withdrawal.
  • Balance enquiry: Rs. 75/- per enquiry.

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