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They are playing very important role in decision making be it pertaining to household, child's education, investment & tax planning or employment. Now, as a Bank, it's very crucial for us to define our offerings to these segments in order to tap the business opportunities. In this regard, we are happy to launch segmented saving product for Women namely “Baroda Mahila Shakti Saving Bank Account”-SB181 The basic ideology of this product is ‘Women Empowerment’ by providing our women customers with exclusive privileges and customized banking convenience, thereby making banking experience a rewarding for them.” This segmented account is targeted at women from every walk of life right from homemaker, self-employed, salaried professionals, entrepreneur to students. The product is available at all domestic branches. Salient features of the are as following:- a. Minimum Balance in Account (QAB): + Rs.3000/- for Metro/ Urban + Rs.2000/- for Semi-Urban + Rs.1000/- for Rural b. 1st Year free RuPay Platinum Debit Card. Current selective offers on RuPay Platinum Debit Card is as under & is subject to change from time to time * 2 lacs accident insurance upto 7Oyears of age (subject to one successful financial or non-financial transaction at any channel in the last 45 days prior to the incident) * 2 Complimentary Visit in one quarter (30+ lounges at Domestic Airport) * 5% cashback on utility bill payment c. 0.25% lower interest rate on Two Wheeler Loan $y y rere son age, Ae ere ee, 94, Ae, ws oh re, wnt (E.R 400051, Lies Depot Mobatin BC ara Sun Tower C4 Gch, Bandra Kuta Compl, Bara (E), Mumba st, nin “Yl: Bopt 8750 26811 6996 S278. Fax: 022-0098 3279, ‘emma: depresources,bec@bankofbaroda,comB ad 3im aster Bank of Baroda 0.50% lower interest rate in education loan for girl child 25% waiver on annual locker rental charges Complementary Zero balance “Baroda Champ “account for their children ‘Sweep facility is available on request only over & above Rs.50000/- in multiple of Rs.10000/- for 181 days, Reverse sweep will happen in multiple of Rs,1000/- Free 30 Cheque leaves in a year Waiver on Demat AMC for 1st year SMS alert facility free for 1st year 25% waiver in issuance fees of gifttravels cards 25 % waiver on processing charges for Auto Loan, Education Loan and Mortgage Loans. 100% waiver in Processing charges for Personal Loan m. No joining fees on ‘Baroda Easy Credit Card’ for eligible customers (Subject to fulfilment of BOBFSL criteria) e@moa crros Suggestive Action Points for Branches: 4 Branches to take this scheme in a campaign mode and ensure that maximum accounts of Women are canvassed under captioned scheme. Branch Head to hold a staff meeting and appraise the members about salient features of the scheme ‘ Publicity material such as Banner/Poster/leaflets will be made available by Corporate Marketing Department is to be invariably displayed prominently by the Branches. + An exclusive time-bound outreach program should be planned by Branch Head to market this product at societies, clubs, professional Institutes and college etc. for canvassing saving accounts under captioned schemes 4 Branches to refrain from transferring of existing SB account in new scheme code The detailed scheme document of the product is enclosed for ready reference. Wishing you all the best in your endeavours. Yours faithfully \ (Dr Jawahar Karnavat) General Manager Liabilities, Deposit Mobilization, OL & LRC Encl: ala \s* ee ee ee er Lahti & Dept Moblin, BCC, Bara San Tower, 3, Block, Bandra Kul (i, Samba 08 “Ye. Dopt 6760 2681/6606 3276. Fax: 022-6608 ‘e-mail: depresources bee @bankofbaroda.comk Acc ‘S.No. | Parameter Baroda Mahila Sakli Saving Bank Account 1 Eligibility This product is designed for the women’s segment | saving Account This product is suited for individual women above 18 years of age. The value added features are designed to meet the requirements of the customers Resident Indian woman of 18 years & above should be the primary applicant 2 Joint holder ‘As per extant guidelines of Bank applicable to $B accounts 3 Mode of Operation ‘As per extant guidelines of Bank applicable to SB accounts Either or survivor | Jointly 4 Minimum balance Rs. 3,000 in Metros/Urban Centre (GAB) Rs, 2,000 in Semi Urban R.1,000 in Rural 5 Non maintenance Rs. 300/-per Quarter in Meiros/Urban Centre charges Rs. 150/- per Quarter in Semi Urban/Rural 6 Interest Rate ‘As per Bank extant guidelines presently for SB account only 7 Locker Charges 125% waiver on annual locker rental charges 8 Debit Card Variant RuPay Platinum Debit Card with inbuilt 2 lacs accident insurance upto 70years of age subject 10 change as per NPC! guidelines 9 Debit Card Annual Fees Ist Year Free 10 Bank of Baroda ATM: No. Free Unlimited of Free Transactions 7 Non — Bank of Baroda ‘Charges fo be levied as per Bank extant guidelines | Atm transactions 12 Cheque book Free 30 Cheque leaves free in a year 3 Value Added SMS aiert paieneseas ieee facility 4 ‘Auto Loan Get 0.25% lower interest rate on Two Wheeler Loan15 Waiverin processing 25 % waiver on processing charges for Auto Loan charges on retail loans and Mortgage Loans. 100% waiver in Processing charges for Personal loan 6 ‘Auto sweep facility ‘Sweep facility i available on request only ‘over & above Rs.50,000/- in multiple of Rs.10,000/- for 181 days & reverse sweep in multiple of Rs.1000/- 7 Travel/ Gift Cord Charges 25% waiver on issuance charges Vs Dea CNtoe: Waiver on Demat AMC for Ist Year 9 i i Sot oe No Joining Fees on Baroda Easy Card Ea Passbook issuance Free 21 Intemet Banking/Mobile ‘Allowed Free Banking 2 Valve of Cash Home Branch: - As per Bank extant guidelines of transactions|Cumviative Bank applicable to $B accounts of Deposit and hs Sonkooetel Withdraw Non Home Branch:- As per Bank extant guidelines of Bank applicable to $8 accounts a NECTIRIGS/IMES Charges to be levied as per Bank extant guidelines (outward and inward) in case of branch transaction for NEFT/RTGS 24 Cheque collection and fdisdlrenisien Charges as per Bank extant guidelines. 5 Collection of ovistation cheats. Allowed as per Bank extant guidelines presently, 26 ‘Standing instruction- ‘Allowed within branch a Nomination faciity Nomination facility will be available. 2B Convertibilty of existing accounts Not allowed @ Pre- closure charges Charges are levied if account is closed between 14 days and one year. No charges would be levied if account is closed within 14 days of account opening or after one year. No Charges because of death of primary account holder Pre Closure Charges is Rs.300/-