Ahmedabad Book

NCBE 10th Bipartite Settlement AIBOBEF
1. Scales of Pay
In modification of Clause 4 of Bipartite Settlement dated 27th April

2010, with effect from 1st November 2012 the scales of pay shall be
as under:-
CLERK
BASIC PAY
OLD/ NEW/ OLD NEW
STAGE STAGE
1 7200 11765 11 12300 20095
2 7600 12420 12 13000 21240
3 8000 13075 13 13700 22385
4 8400 13730 14 14400 23530
5 8900 14545 15 15100 24675
6 9400 15360 16 15800 25820
7 9900 16175 17 16500 26965
8 10500 17155 18 17200 28110
9 11100 18135 19 18500 30230
10 11700 19115 20 19300 31540
Stagnation Increment STAGE NEW/

I 32850
II 34160
III 35470
IV 36780
V 38090
VI 39400
VII 40710
VIII 42020
1 BANK OF BARODA EMPLOYEES’ UNION AHMEDBAD & N.GU

ALL INDIA BANK OF BARODA EMPLOYEES FEDERATION, MUMBAI
Subordinate Staff
BASIC PAY
STAGE OLD NEW STAGE OLD NEW
1 5850 9560 11 8200 13400

2 6050 9885 12 8500 13890
3 6250 10210 13 8800 14380
4 6450 10535 14 9100 14870
5 6650 10860 15 9450 15440
6 6900 11270 16 9800 16010
7 7150 11680 17 10150 16580
8 7400 12090 18 10550 17235
9 7650 12500 19 10950 17890
10 7900 12910 20 11350 18545
Stagnation Increment STAGE NEW
I 19200
II 19855
III 20510
IV 21165
V 21820
VI 22475
VII 23130
VIII 23785
Note:
(a) Fitment in the new scales of pay shall be on a stage-to-stage basis.
(b) There shall be no change in the dates of annual increments because

of the fitment.

2. Stagnation Increments
In partial modification of Clause 5 of Bipartite Settlement dated 27th

April 2010, both clerical and subordinate staff (including permanent
part-time employees on scale wages) shall be eligible for eight
stagnation increments w.e.f. 1st November 2012 at the rate and
frequency as stated herein under:
The clerical and subordinate staff including permanent part-time

employees on scale wages on reaching the maximum in their
respective scales of pay, shall draw eight stagnation increments at the
rate of Rs.1310/- and Rs.655/- (pro rata in respect of permanent part-
time employees) each due under this settlement, and at frequencies of
3 years and 2 years respectively, from the dates of reaching the
maximum of their scales as aforesaid except that in the case of clerical
staff, sixth, seventh and eighth stagnation increments will be released
two years after receipt of fifth, sixth and seventh stagnation
increments respectively, provided that an employee who has
completed two years or more after receiving fifth stagnation increment
as on 1st November 2012 shall receive the sixth stagnation increment
as on 1st November 2012.
Provided further that a clerical / subordinate staff (including

permanent part-time employees on scale wages) already in receipt of
seven stagnation increments shall be eligible for the eighth stagnation
increment on 1st May 2015 or two years after receiving the seventh
stagnation increment, whichever is later.
3. Definition of ‘Pay’
In reiteration of Clause 6 of the Bipartite Settlement dated 27th April

2010, ‘Pay’ for the purpose of Dearness Allowance, House Rent
Allowance (HRA) and superannuation benefits including for
contribution to National Pension System (NPS) shall mean Basic Pay,

Stagnation increments, Special Pay, Graduation Pay, Professional

Qualification Pay and Officiating Pay, if any.
Note:
The increment component of Fixed Personal Pay as given in column 2
of Schedule III shall rank for superannuation benefits.
4. Dearness Allowance
In substitution of Clause 7 of Bipartite Settlement dated 27th April
2010 with effect from 1st November 2012, the Dearness Allowance
shall be payable as per the following rates:-
Clerical and Subordinate Staff

0.10% of ‘pay’
Note:
Dearness Allowance in the above manner shall be paid for every rise
or fall of 4 points over 4440 points in the quarterly average of the All
India Average Working Class Consumer Price Index (General) Base
1960=100.
a) It is clarified that there shall be no ceiling on Dearness

Allowance.
b) Dearness Allowance shall be calculated and paid on Basic

Pay, Special Pay, Graduation Pay, Professional Qualification
Pay and Officiating Pay, if any, payable under this settlement
in respect of both clerical and subordinate staff.
c) All other existing provisions relating to Dearness Allowance

Scheme shall remain unchanged.
5. House Rent Allowance

In substitution of Clause 9 of the Bipartite Settlement dated 27th April

2010 with effect from 1st November 2012, the House Rent Allowance
payable shall be as under:
Area Rate as
percentage of
Pay[No Minimum/
No Maximum]
(i) Places with population of more than 45 10.00%
lakhs and Project Area Centres in
Group ‘A’
(ii) Places with population of 12 lakhs and 9.00%
above including State of Goa and
Project Area Centres in Group ‘B’
(iii) Other places not covered in (i) and (ii) 7.50%
above
Note:
(1) Where quarters are provided, HRA shall not be payable and the
rent to be recovered shall be 0.3% of the first stage of the Scales of
Pay.
(2) All other existing provisions relating to House Rent Allowance
shall remain unchanged.
6. Special Allowance
With effect from 1.11.2012, workmen employees shall be paid Special
Allowance at7.75% of the Basic pay with applicable DA thereon.
Note : The Special Allowance with applicable DA thereon shall not be
reckoned for superannuation benefits viz., pension including
contribution to NPS, PF & Gratuity.
7. Transport Allowance
In partial modification of Clause 10 of the Bipartite Settlement dated
27th April 2010, Transport Allowance shall be paid as under, with
effect from 1st November, 2012:

Clerical and Subordinate Staff
Upto 15th stage of the scale of Pay - Rs.425/- per month

16th stage of the scale of Pay and above - Rs.470/- per month
Provided that a sub-staff drawing transport allowance at Rs.470/- per
month, on being promoted to clerical cadre is fitted at a stage lower
than 16th stage, he shall continue to be paid the same Transport
Allowance of Rs.470/- per month.
Note:
(i) All permanent part time employees including those on probation
and drawing scale wages shall be paid transport allowance on pro rata
basis as under:
Upto 15 years of service - Pro rata @Rs.425/- per month
Above 15 years of service - Pro rata @Rs.470/- per month
(ii) This provision by itself will not preclude the payment of any
existing allowance of this nature paid as a result of Government
guidelines/bank level settlements.
8. Special Pay
In modification of Clause 11 of the Bipartite Settlement dated
27thApril 2010, with effect from 1st November 2012:
(i) The Special Pay payable to the clerical staff and subordinate
staff in banks other than State Bank of India, shall be as
under.
For Clerical Amount

1 SWO-B 820
2 Head cashier 1280
3 Special Assistant 1930
For Sub-Staff Amount

1 Armed Guard 390

2 Bill collector 390

3 Daftary 560
4 Head Peon 740
5 A C operator Electrician 2040
6 Driver 2370
(ii) In all other aspects, the general rules and provisions contained in
Chapter V of the Bipartite Settlement dated 19th October 1966
relating to special pay carrying posts, as modified from time-to-time,
shall continue to apply.
(iii) With effect from 1st November 2012, Graduation Pay and
Professional Qualification Pay payable to the clerical staff in banks
shall be asunder.
GRADUATION PAY /
PROFESSIONAL QUALIFICATION PAY
For those workmen who hereafter reach or have already reached 20th
stage of the scale and have got increments in consideration of
educational qualification(s), Graduation Pay/ Professional
Qualification Pay shall be payable as under:
1. Those who are graduates and/or NDC -

Rs.410/- p.m. after they complete 1 year
Rs.800/- p.m. after they complete 2 years
2. Those who have passed JAIIB or Part I of CAIB/CAIIBRs.

410/- p.m. after they complete 1 year
3. Those who have passed JAIIB and CAIIB or Both Parts of

CAIB/CAIIB -

4. Those who are graduates/NDC and have passed JAIIB or Part I of

CAIB/CAIIB –
5. Those who are graduates/NDC and have passed JAIIB or Both Parts
of CAIB/CAIIB –
(iv) The Special Pay, Graduation Pay and Professional Qualification

Pay as mentioned in Part B of Schedule II shall rank for
superannuation benefits.
(v) The rates of Special Pay and the duties of Special Pay carrying
posts for workmen staff in State Bank of India may be reviewed and
settled at the bank level.
(vi) In reiteration of sub-clause (xv) of Clause 11 of the Bipartite

Settlement dated 27th April 2010, a member of the non-subordinate
cadre acquiring a Graduate/National Diploma in Commerce or
JAIIB/CAIIB (either or both parts) qualification/s at a time when
he/she does not have the requisite number of increments in the scale to
be earned as advance increments shall in the first instance be released
increments for such qualification(s) acquired to the extent available in
the scale and in lieu of the remaining increments(s) not available for
being so released as advance increments be granted / released the first
installment of Graduation Pay or PQP, as the case may be. Release of
subsequent installments of Graduation Pay or PQP shall be with
reference to the date of release of Graduation Pay or PQP under this
clause.

Provided that in the case of an employee acquiring such qualifications

after reaching the maximum of the scale of pay, he shall be granted
from the date of acquiring such qualification the first installment Pay
or PQP, as the case may be and the release of subsequent installments
of Graduation Pay or PQP shall be with reference to the date of
release of Graduation Pay or PQP under this clause.
Provided further that in case where the non-subordinate employee as

date of this Settlement, has already acquired JAIIB (Part-I) or
CAIIB(Part-II)/ Graduation after reaching maximum of the scale of
Pay (in case of JAIIB/ CAIIB/ Graduation) or after reaching 19th
stage of scale of Pay(in case of CAIIB/Graduation), and has not
earned increment(s),otherwise entitled on account of acquiring such
qualification, when there were no increments to provide in the scale of
pay of those employees, the stagnation increment in such cases may
be advanced by one year or two years as the case may be.
9. Hill and Fuel Allowance

27th April 2010,the Hill and Fuel Allowance shall be payable at the
following rates with effect from1st November 2012:
a. At places situated at a height of 3000metres and above8% of
pay(Max. Rs.1500/-p.m.).
b. At places situated at a height of and over1500 metres but

below 3000 metres 4% of pay (Max. Rs.600/-p.m.)
c. At places situated at a height of over1000 metres but less than

1500 metres and Mercara Town3% of pay(Max. Rs.500/-p.m.)
Note: All other existing provisions shall remain unchanged.
10. Fixed Personal Pay (in Bank of Baroda its PPP)

In partial modification of Clause XIV of Bipartite Settlement dated

29th October1993, Clause 13 of Bipartite Settlement dated 27th
March 2000, Clause 13 of the Bipartite Settlement dated 2nd June
2005 and Clause 13 of Bipartite Settlement dated27th April 2010, the
Fixed Personal Pay shall be revised with effect from 1stNovember
2012 as per Schedule III.
Note : Only employees who were in the service of the bank on or

before 1stNovember 1993 will be eligible for FPP, one year after
reaching the maximum scale of pay, they are placed in.
11. Payment of Overtime Allowance
The overtime allowance paid to the employees for the overtime work
performed until the date of this settlement shall not be recalculated on
account of this Settlement.
WORKING HOURS
Category Monday – Saturday***

Clerk 6.30 Hours
Subordinate Staff 7.00 Hours
Driver 7.30 Hours
Watch & Ward staff 8.00 Hours
OVERTIME ALLOWANCE
Cadre First 30 Next one Rest of the
minutes hour time
Clerical 100% 170% 200%
First one hour Rest of the time
Subordinate 150% 200%
 200% for work done on holidays and weekly off days

 For calculation of OT only Basic, DA, Special Pay Special

Allowance, PPP and Officiating Pay to be taken
 Part time employees are not entitled. They would have to be
paid in the enhanced scale wages.
 A month is deemed to consist of 150 hours and rate per hour
would be 1/150 of the monthly emoluments calculated as
above.
12. Pension (including State Bank of India)
With effect from 1st November 2012, the Pay as defined under Clause
6 of this Settlement and drawn by the employees who are members of
the Pension Fund shall be taken into consideration for the purpose of
calculation of pension as per the Pension Fund Rules/ Regulations in
force.
Note: Employees in service of the Banks as on 1st November 2012
and who have retired thereafter but before 25th May 2015 and who
had opted for commutation of pension will have an option not to claim
incremental commutation on revised basic pension.
13 (A). Pension for Part-time Employees
With effect from 1st November 2012, for the purpose of calculating
the amount of pension in respect of permanent part time employees in
scale wages who are covered by the Pension Scheme, their actual
service shall be reckoned for qualifying service and not pro rata. The
actual service/qualifying service shall be calculated from the date of
recruitment/appointment as permanent part time employee in scale
wages or from 1st September 1978 whichever is later.
13 (B). Dearness Relief on Pension
With effect from 1st November, 2012, in respect of employees who

retired or died while in service on or after 1st November, 2012,
Dearness Relief shall be payable at0.10 % of the Basic Pension or

Family Pension or Invalid Pension or compassionate allowance as the

case may be. Dearness Relief in the above manner shall be paid half
yearly for every rise or fall of 4 points over 4440 points in the
quarterly average of the All India Consumer Price Index for industrial
workers in the series 1960=100.
14. Provident Fund
It is reiterated that –
(a) The employees who are presently covered under the Pension
Scheme shall continue to contribute 10% of the Pay towards
Provident Fund, but there shall be no matching contribution.
(b) Employees of State Bank of India will continue to be covered

by Contributory Provident Fund Scheme as hitherto.
(c) Employees who are presently covered under Contributory
Provident Fund Scheme and have not opted for Pension Scheme
under the Settlement dated 27thApril 2010 shall continue under the
Contributory Provident Fund Scheme as hitherto.
15. Medical Aid

27th April 2010,with effect from 1st November 2012, the
reimbursement of medical expenses under medical aid scheme shall
be restricted to an amount of Rs.2200 /- per annum. For the year 2012,
the reimbursement of medical expenses under the medical aid scheme
shall be enhanced proportionately for two months i.e. November and
December 2012.
16. Definition of ‘Family’:

In substitution of Clause 18 of the Bipartite Settlement dated 27th
April 2010, for the purpose of medical facilities and for the purpose of

leave fare concession, the expression ‘family’ of an employee shall

mean –
(i) the employee’s spouse, wholly dependent unmarried children
(including stepchildren and legally adopted children) wholly
dependent physically and mentally challenged brother/ sister with
40% or more disability, widowed daughters and dependent divorced/
separated daughters, sisters including unmarried/ divorced/abandoned
or separated from husband/ widowed sisters, as also parents wholly
dependent on the employee.
(ii) The term wholly dependent family member shall mean such
member of the family having a monthly income not exceeding
Rs.10,000/- p.m. If the income of one of the parents exceeds
Rs.10,000/- p.m. or the aggregate income of both the parents exceeds
Rs.10,000/- p.m., both the parents shall not be considered as wholly
dependent on the employee.
(iii) A married female employee may include her natural / legal
parents or parents-inlaw under the definition of family, but not both,
provided that the parents/parents-in-law are wholly dependent on her.
Note: For the purpose of medical expenses reimbursement scheme, for
all employees, any two of the dependent parents/ parents-in-law shall
be covered.
17. Leave Fare Concession
(i) In modification of Paragraph 19 of Bipartite Settlement dated 27th

April 2010,with effect from the date of this Settlement, leave fare
concession payable will be the actual return railway fare or steamer
fare incurred by the workman and members of his family subject to
the following:
a) For availment of leave fare concession under a 2 year block for visit
to anyplace within India, the maximum permissible distance shall be
2500 kms.(one way), for the subordinate staff and 2000 kms. (one
way) for non subordinate staff.

b) For availment of leave fare concession under a 4 year block for

visit to anyplace in India, the maximum permissible distance shall be
5000 kms. (oneway) for subordinate staff and 4000 kms. (one way)
for non-subordinate staff.
(ii) With the effect from 1st June 2015, the class of fare to which the
workman and the members of his family would be entitled, shall be as
follows:
Subordinate Staff :
AC III Tier for the journey by mail/express train. By Steamer – II
Class Cabin
Non-subordinate Staff :
II AC for the journey by mail/express train. By Steamer – I Class
Cabin.
Note: The above entitlement shall also be applicable for travel on
duty.
Provided further that where the non-subordinate employee and / or

members of his family undertake travel by air either to his place of
domicile or to any other place for rest and recuperation within India,
he shall be entitled to be reimbursed the actual air fare so incurred or
the II AC class fare by train by a direct route in case of travel to place
of domicile or to the extent of the maximum admissible distance in
case of travel to any other place for rest and recuperation, during the
two year/four year block respectively, whichever is less.
(iii) An employee and/or members of his family, when availing leave

fare concession may undertake travel by any mode of surface transport
between places and the employee will be eligible to claim in respect of
such journey his actual expenditure or the notional train fare by the
entitled class for the admissible distance, whichever is less, within his
overall entitlement. For the purpose of this sub-clause, travel by any
approved mode of surface transport would mean such travel
undertaken through any public transport or transport (including taxi)

operated by agencies / tour operators approved by appropriate

Government authorities or motorcar owned by the employee with
permission of the Bank.
(iv) By exercising an option anytime during a block of 2 years or 4

years, as the case may be, an employee can either undertake travel
availing of leave fare concession and claim reimbursement upto his
entitlement or to encash the facility for the concerned block. The
option so exercised shall be irrevocable for the block concerned. On
opting to encash the facility, he will be entitled to receive a lump sum
equivalent to notional train fare for the admissible distance(depending
on a 2 year or 4 year block) by the entitled class, subject to deduction
of admissible tax at source. Leave Fare Concession for travel to place
of domicile is not encashable. An employee opting to encash his LFC
shall prefer the claim for himself and his family members only once
during the block/ term in which such encashment is availed of. The
facility of encashment of privilege leave while availing of Leave Fare
Concession is also available while encashing the facility of LFC.
(v) All employees will be given an opportunity to exercise an option
within 90 days from the date of this Settlement to avail LFC under
two years/four years block as the case may be. If no option is
exercised within the stipulated period, the earlier option will continue
to be operative.
18. Hospitalisation
In substitution of Clause 20 of the Bipartite Settlement dated 27th

April 2010, there reimbursement of hospital expenses shall be as per
the Medical Insurance Scheme detailed in Schedule IV to this
Settlement. (Given later in this booklet)
19. Compensation on Transfer

In supersession of Clause 22 of Bipartite Settlement dated 27th April

2010, with effect from 1st June 2015, compensation on transfer, shall
be as under:-
An employee on transfer shall be paid the cost actually incurred for
transporting his personal effects, as under:
By Train:
Non Sub-staff / Sub-staff
a. For married persons 3000 kg. 2000 kg.
b. For unmarried persons 2000 kg. 1150 kg.
By Road: An employee on transfer from one station to another can
transport his/her personal effects by rail/road upto the stipulated
weights by an IBA approved Transport Operator.
20. Compensation for losses due to breakage or damage to goods

on Transfer
In modification of Clause 23 of Bipartite Settlement dated 27th April
2010, with effect from the 1st June 2015, compensation on transfer,
shall be as under:-
a. Where an employee produces receipts or a statement of loss in

respect of breakages subject to a maximum of:
Clerical Staff : Rs.1,500/-
Subordinate Staff : Rs.1,000/-
b. Where no receipts/statement of loss are produced, a lumpsum

payment of:
Clerical Staff : Rs.1,000/-
Subordinate Staff : Rs. 750/-
21. Halting Allowance
In modification of Clause 24 of the Bipartite Settlement dated 27th

April 2010 , with effect from 1st June 2015, halting allowance shall be

payable at the following rates for the days spent on duty outside the
headquarters:
(A) (B) (C)

Places with Places with population Other
population of 12 of5 lakhs and above, Places
lakhs and above State Capitals/ Capitals
of Union Territories not
and States of Goa
covered in column (A)
Clerical Rs.700/- per diem Rs.600/- per diem Rs.450/-
Staff per diem
Sub- Staff Rs.500/- per diem Rs.400/- per diem Rs.250/-
per diem
22. Washing Allowance

2010, with effect from 1st June 2015, washing allowance shall be
payable at Rs.150/- p.m., where the washing of livery is not arranged
by the bank.
23. Cycle Allowance

2010, w.e.f. 1stNovember 2012, cycle allowance is payable to the
members of the subordinate staff who are required to use a cycle on
regular assignment for outdoor duties at Rs.100/-p.m. at all centers.
Cycle allowance would not be paid to workman member of the
subordinate staff entitled to the allowance for the period of leave
where such leave exceeds 30 days.
24. Split Duty Allowance

27th April 2010,w.e.f. 1st November 2012, Split Duty Allowance
shall be payable at all centers atRs.150/- p.m.
25. Project Area Compensatory Allowance


27th April 2010,w.e.f. 1st November 2012, workmen in project areas
shall be paid project area compensatory allowance as under :
Project Area Group ‘A’ Project Area Group ‘B’
Clerical Staff – Sub-Staff - Clerical Staff – Sub-Staff -

Rs.250/-p.m. Rs.200/- p.m.. Rs.200/-p.m. Rs.175/- p.m.
26. Special Area Allowance
In partial modification of Clause 29 of Bipartite Settlement dated 27th

April 2010, inview of revision in ‘Pay Scale’, w.e.f. 1st November
2012, the Pay referred to under Columns (3) and (4) of Schedule VI of
Bipartite Settlement dated 27.4.2010, shall beread as Rs.24,000/-
instead of Rs.14,700/-, the rates, other details and conditionsremaining
unchanged.
27. Reimbursement of expenses on Road Travel

In substitution of Clause 31 of Bipartite Settlement dated 27th April
2010, w.e.f. 1stJune 2015, where an employee has to travel on duty /
LFC between two places he shall be reimbursed actual road mileage
cost or at Rs.6/- per k.m., whichever is less.
28. Privilege Leave
In partial modification to Clause 13.20 of Bipartite Settlement dated

19.10.1966 (other than State Bank of India) and para 7.20 of
Settlement dated 31st March 1967 (in case of State Bank of India), an
employee other than a member of the Executive Committee of a
registered trade union of the employees of the Bank shall not been
titled to take privilege leave on more than four occasions in a calendar
year. Where however, the reasons for the request by an employee for
leave on more than four occasions in a year are adequate and genuine
and it is not administratively inconvenient, such leave may be granted.

Privilege Leave should be applied not less than 15 days before the
proposed date of commencement of such leave.
In partial modification to Clause 8 of Bipartite Settlement dated

29.6.1990, Privilege Leave accruing to an employee on or after the
date of this settlement, shall be allowed to be accumulated beyond 240
days up to a maximum of 270 days. However, encashment of privilege
leave shall be restricted up to a maximum of 240 days.
29. Maternity Leave

Clause 30 of Bipartite Settlement dated 27th April 2010 shall be
substituted by the following:
(a) Maternity leave, which shall be on substantive pay, shall be
granted to a female employee for a period not exceeding 6 months on
any one occasion and12 months during the entire period of her
service.
(b) Within the overall period of 12 months, leave may also be granted
in case of miscarriage/abortion/MTP.
(c) Within the overall period of 12 months, leave may also be granted
in case of hysterectomy upto a maximum of 60 days.
(d) Leave may also be granted once during service to a childless

female employee for legally adopting a child who is below one year of
age, for a maximum period of six months, subject to the following
terms and conditions: -
(i) Leave will be granted for adoption of only one child.
(ii) The adoption of a child should be through a proper legal
process and the employee should produce the adoption-deed
to the Bank for sanctioning such leave.
(iii) The permanent part-time employees are also eligible for
grant of leave for adoption of a child.
(iv) The leave shall also be available to biological mother in
cases where the child is born through surrogacy.

(v) The leave shall be availed within overall entitlement of 12

months during the entire period of service.
30. Paternity Leave

With effect from the 1st June 2015, male employees with less than
two surviving children shall be eligible for 15 days Paternity Leave
during his wife’s confinement. This leave may be combined with any
other kind of leave except Casual Leave. The leave may be availed
upto 15 days before or upto 6 months from the date of delivery of the
child.
31. Casual Leave

In supersession of Clause 13.22 of Bipartite Settlement dated
19.10.1966 (in case of State Bank of India, Clause 7.22 of the
Settlement dated 31st March 1967), an employee shall be entitled to
Casual Leave upto a maximum of 12 days in each calendar year,
provided that not more than 4 days may be taken continuously. It is
reiterated that holidays and weekly offs prefixing/suffixing or falling
within the period of Casual Leave will not be treated as part of Casual
Leave.
32. Sick Leave
In partial modification to Clause 27 of Bipartite Settlement dated

27.3.2000, Casual Leave converted into Sick Leave may also be
availed without production of medical certificate for 4 days at a time
once in a year or two days at a time, twice a year.
33. Special Sick Leave
With effect from the 1.6.2015, Special Sick Leave up to 30 days may
be granted to an employee once during his/her entire period of service
for donation of kidney/ organ.
34. Extraordinary Leave

In partial modification of Clause 13.34 of Settlement dated 19th

October 1966, (in case of State Bank of India, Clause 7.34 of
Agreement dated 31st March 1967) in exceptional circumstances,
Extraordinary Leave may be sanctioned (without wages)not exceeding
3 months on any one occasion and upto a maximum of 24 months
during the entire period of an employees’ service.
35. Joining Time
It is agreed by and between the parties that with effect from the date of
the Settlement, joining time of six days allowable under Para 511 of
Sastry Award may be granted either immediately after relieving or
within three months after joining the new place of posting.
36. Holidays
In terms of understanding dated 23rd February 2015 reached between
IBA and Workmen Unions, every second and fourth Saturday of the
month will be a holiday and other Saturdays will be full working days.
IBA has initiated steps to get clearances from the Reserve Bank of
India and Government of India. The change will be effective after
approval by the Reserve Bank of India and Notification of the change
issued by the Government of India.
37. Implementation
The various provisions of this Settlement shall take effect from the
dates specified hereunder, unless provided to the contrary and the
financial benefits emanating there from shall be given effect to within
a period of 90 days from the date of this Settlement.
1 Scales of Pay: As per Clause 4 1stNovember 2012

2 Dearness Allowance, Professional
Qualification Pay/Graduation Pay, House
1st November 2012
Rent Allowance, Provident Fund, Gratuity,
Fixed Personal Pay, Transport Allowance,

Annual Medical Aid, Special Area

Allowance, Hill &Fuel Allowance, Split
Duty Allowance, Cycle Allowance, Project
Area Compensatory Allowance
3 Stagnation Increment - 8th 1st May 2015
4 Special Allowance 1st November 2012
5 Special Pay 1st November 2012
6 Halting Allowance, Washing Allowance, 1st June 2015
Compensation on Transfer, Compensation
for losses due to breakage of damage to
goods on transfer, Reimbursement of
Expenses on Road Travel
7 LFC, Definition of Family, Amendments in 1st June 2015
PL, Sick Leave, Casual Leave,
Extraordinary Leave
8 Accumulation of PL up to 270 days 1st June 2015
9 Paternity Leave 1st June 2015
10 Special Sick Leave 1st June 2015
11 Maternity Leave , Joining Time 25th May 2015
38. Date of Effect and Operation

i. This Settlement shall be binding on the parties for five years from1st
November 2012.
ii. The terms and conditions hereof shall continue to govern and bind
the parties even thereafter until the Settlement is terminated by either
party giving to the other a statutory notice as prescribed in law for the
time being in force.
iii. The All India Bank Employees’ Association, the National
Confederation of Bank Employees, the Bank Employees’ Federation
of India, the National Organisation of Bank Workers and the Indian
National Bank Employees Federation on behalf of the workmen agree
that during the operation of this Settlement, the workmen will not for
any reason whatsoever, raise any demand

of any nature whatsoever on any of the banks in respect of matters,

monetary or otherwise, covered by this Memorandum of Settlement.
iv. Copies of the Memorandum of Settlement will be jointly
forwarded by the parties to the authorities listed in Rule 58 of the
Industrial Disputes (Central)Rules, 1957 so that terms and conditions
thereof are binding on the parties as provided in law.
39. Interpretation If there is any difference of opinion regarding

interpretation of any of the provision of this Settlement the matter will
be taken up only at the level of the Indian Banks’ Association, the All
India Bank Employees’ Association, the National Confederation of
Bank Employees, the Bank Employees’ Federation of India, the
National Organisation of Bank Workers and the Indian National Bank
Employees Federation for discussion and settlement.
Dated: 25th May 2015

Settlement on promotion from clerical cadre to officers’ cadre as

security officer in specialist category-2015
Between
BANK OF BARODA
and
ALL INDIA BANK OF BARODA EMPLOYEES’ FEDERATION
(Sole collective Bargaining Agent on behalf of workmen in
Bank of Baroda)
Dated 11th June 2015
Federation for a long time have been discussing with Management for
creating a career path for the Ex-servicemen who have joined the
Bank after serving the Nation.
For the first time in our Bank Federation have negotiated a settlement
which will give an opportunity to Ex-servicemen category to become
security officers. Hence they will be getting one more avenue for
promotion as officer over and above the regular promotion exercise.
The unique feature of this settlement is that those Ex-servicemen who
joined in the subordinate cadre and have completed three years of
active service in the clerical cadre as on the date of issuance of
circular inviting applications for promotion under this exercise will
also be eligible to apply for promotion under this settlement.
Friends, this settlement addressed the need of security officers in the

Zones/Regions as there has been a tremendous shortage of security
officers. At the same time it opens a door of opportunity to our Ex-
servicemen colleagues.
Federation is also discussing a creer path for the watch and ward staff
and are hopeful that federation may sign a settlement for them very
soon.

LOANS
The Bank has different loan schemes, salient features of which

are given below:
STAFF HOUSING LOAN: REGULAR
Regular Housing Loan Eligibility: Confirmed Bank’s service.

Loan Limit: For Clerks: 90% of total cost or 95 months gross
salary or maximum Rs 35 lakhs whichever is less For
For Subordinate Staff:90% of total cost or 95 months
gross salary or maximum Rs 20 lakhs whichever is
less.
Rate of Interest: 7 % pa (simple) or base rate whichever is less
Margin: 10%
Repayment Holiday: 18 months after date of 1st disbursement or next
month after completion of house/flat whichever is earlier. 360 EMI of
principle 270 and interest 90.
The ROI is linked to continuity with the Bank. If the employee
leaves the Bank within five years of taking the loan either on VRS or
resignation, the interest would be charged at 8%
 Repayment period can stretch up to 70 years of age of the
borrower
 Loan for II house within the overall limit is allowed. Such II
house should not be disposed off within 10 years of loan
sanction.
Limit for Part-time Subordinate Staff:
Scale Entitlement Limit
1/3 of Scale wages 95 times of gross salary 6.67 lakhs
½ of Scale wages 95 times of gross salary 10.00 lakhs
¾ of Scale wages 95 times of gross salary 15.00 lakhs

ADDITIONAL HOUSING LOAN FOR REPAIR/RENOVATION

/EXTENSION:
Eligibility: Confirmed bank service
Cadre Clerks Sub-Staff ¾ Scale ½ Scale 1/3

Scale
Limit 7 Lakhs 4 Lakhs 3 Lakhs 2 Lakhs 1.33
Lakhs
Interest Rate: 8.00% (SIMPLE) or base rate whichever is less

Repayment: 120 months(principal 90 and interest 30)
Margin: 25% of cost of estimate
OVERDRAFT FACILITY (SOD)
Eligibility: 3 years service.

Rate of Interest: 9%
Existing SOD can be converted as term loan repayable in 60 months.
(If remaining service is 5 years or more)
Limits:
Length of service clerks Sub-staff
3 to 5 years 95,000 60,000
5 to 10 years 185,000 115,000
10 years and above 310,000 200,000
DEMAND LOANS
(for those who joined service before 01.04.1994)
LA 660 - Staff DL for Employee joined before 01/04/ 1994 – for

Religious/ Cultural and Marriage purposes - The maximum limit is
fixed as Rs.3,00,000.00 and maximum period as 60 EMIs. The default

interest table code attached to the scheme is L6611 which has a

differential of base rate +1.25%.
2.LA 661 - Staff Personal Loan for employees joined after 01-04-
1991 The maximum limit is fixed as Rs1,00,000/-and maximum period
as 60 EMIs. The default interest table code attached to the scheme is
L6611 which has a differential of base rate + 1.25%.
3.LA 662 - Staff Personal Loan for employees joined before 01-04-
1991 The maximum limit is fixed as Rs.1,00,000/- and maximum
period as 30 EMIs. The default interest table code attached to the
scheme is L6011 which has a fixed rate of 11 %.
Purpose:
a) Self/son’s/daughter’s marriage, dependent sister’s marriage,
15 times Basic Pay + Special Pay or 3,00,000/- whichever is less
ROI upto 12,000 4% over and above @simple interest@1.25%
extra over Base rate
b) Mundan, Annaprasa, Rice feeding, Bismillah,Sunnat, Death
ceremony of dependents, Thread ceremony, Vaasthupooja,
Ear boring Ceremony, Naming ceremony, Srimanth.
6 times Basic Pay + Special Pay or 1,00,000/- whichever is less
ROI upto 4,0004% over and above @simple interest@1.25% extra
over Base rate
EMI: 60 installments
PERSONAL LOAN : (for those who joined before 01.04.1991)
Eligibility: Confirmed service

Limit: 90% of cost of article or Rs.100,000 whichever is less
ROI: 7% simple interest
EMI: 30 installments.
For those who joined after 01.04.1991 but before 01.04.1994
Eligibility: 3 years, Limit: 90% of the cost or 100,000/-,
ROI: simple interest @ 1.25% above base rate.
Recovery: 60 installments

CAR LOAN
Eligibility: Clerical staff drawing Basic Pay of Rs 10,000/- (VIII BPS) or
more.
Limit: 80% of the control price
Rate of Interest: 8.5% (Simple)
Recovery: Principal: 90 months; Interest: 30 months
Loan for a two wheeler also can be availed if any balance in car loan
limit is available.
VEHICLE LOAN:
For purchase of two wheelers for those who joined before
18.09.1989
Limit: up to invoice value, excluding RTO/Insurance, cost of

accessories
ROI: Free
Repayment: 60 EMI
For those who joined after 18.09.1989

This loan can be availed by permanent part time Subordinate Staff
also
Eligibility: Those who are drawing a minimum basic pay of Rs 8,800/-

(as per 9th BPS)
Limit: 90% of the control price or Rs 90,000/-
ROI: 8.5% (simple) Recovery: Principal – 70; interest – 14
TWO WHEELER LOAN FOR YOUNG CLERKS
 Eligibility: confirmed service, Minimum basic Rs 5850/- (VIII

BPS)
 Limit: Rs 60,000/-
 Margin: 10% on road price (including insurance and
registration charges)

 ROI: Base rate. Repayment: 72 installments.

 Processing fee: Rs 500/-
 Sanctioning Authority: Deputy Regional Manager
 This loan can converted to regular vehicle loan after being
eligible for the same.
SPECIAL DEMAND LOAN FOR MEDICAL PURPOSES

Eligibility: for treatment of self (confirmed service); dependents:
Minimum 3 years of service
Loan amount: based on the requirement duly certified by the hospital
authority.
Repayment: amount to be adjusted from the claims settled by the
bank under different schemes. Balance to be repaid in 60
installments.
ROI: 4%
FOR PURCHASE OF PERSONAL COMPUTER

Eligibility: All confirmed clerical staff.
Purpose: for purchase of PC, printer, UPS, modem, multimedia kit
(software not covered)
Limit: 80% of cost or 1 Lakh whichever is less
ROI: BPLR
Recovery: Principal: 45 installments and interest: 15 installments.
EXIGENCY LOAN:
Eligibility: Minimum 5 years of service:

Purpose: any except speculative
Limit: Clerks: 1,50,000/-, Subordinate Staff: 75,000/-
ROI: BPLR
Recovery: 60 EMI
IN ADDITION TO THE ABOVE ,THERE IS A MOPED LOAN SCHEME FOR
Subordinate Staff AND AN EDUCATIONAL LOAN SHEME FOR
PURSUING PROFESSIONAL AND IT COURSES

FESTIVAL ADVANCE
Limit: Clerks: 20,000/-, Subordinate Staff: 15,000/-
Repayment: 10 installments,
1st installment to commence from the next month of sanction of
advance.
ROI: free of interest
Only one advance is to be sanctioned in a financial year
PF LOAN : (Sanctioned at bank level)
Purpose: Same for which demand loan is applied for.

Repayment: 24 or 48 as the case may be.
ROI: BPLR
Limit: 3 times or 6times of the Basic + Special Allowance according to
the purpose for which loan applied for or 50% of the PF balance
whichever is less.
PF LOAN SANCTIONED BY PF TRUSTEES
Purpose: Same for which demand loan is applied for.

Repayment: 24 or 48 as the case may be.
ROI: as decided by PF Trustees from time to time
Limit: 3 times or 6times of the Basic + Special Allowance according to
the purpose for which loan applied for or 50% of the PF balance
whichever is less.
Sanctioning Authority: PF Trustees.
FLOOD/CYCLONE/DRAUGHT LOAN
The area is to be declared by the State Governments concerned as
affected.
Limit: will be fixed by Bank as and when required

RETIREMENT BENEFITS
PROVIDENT FUND
 10% of Basic pay and Special Pay for all employees covered
under Pension Scheme.
 No PF for those who joined after 01.04.2010.(only NPS)
 Those who joined service after 01.04.2010 are covered by a
Defined Contributory Pension Scheme where the employee
contributes 10% Basic plus DA and the Bank will make a
matching contribution.
 The Scheme shall be as introduced by the Central Government
for its employees with effect from 01.01.2004
Non-Refundable Withdrawal from Provident Fund:
The Non-Refundable Withdrawal is permitted by the Trustees only for

the following purposes:
- To meet the expenditure on building a house or purchase a
site or house and site.
- For payment of loan previously raised for the purpose of
construction or purchase of the house.
- To pay premium on policy of insurance of the life of
employee or his wife, provided the policy is assignedin favour
of the Trustees of Provident Fund.
- To meet expenses in connection with the marriage of children.
- To meet the cost of higher education of dependent children.
The member will be allowed Non-Refundable Withdrawal for the

purpose of housing to the extent of 50% of the amount standing in his
Provident Fund Account or the amount actually requested by the
member, whichever is lower.

GRATUITY
Entitlement as per Act, Settlement and Banks own Scheme –

Whichever is beneficial.
Gratuity Act 1972:
Entitlement at the rate of 15 days wages for every completed year of

service based on the rates of wages last drawn by an employee. The
last wage drawn by employee is to be divided by 26 days to arrive at
one day’s wage. Thereafter, 15 days wage as above is to be multiplied
by number of completed years of service rendered by an employee.
Any period in excess of six months is reckoned as one complete year
of service.
Maximum amount of gratuity payable is Rs.10,00,000/- when

payment is made as per the provisions of the Payment of Gratuity Act,
1972.
Bank of Baroda Gratuity Fund Rules:
One month’s pay for every completed year of service subject to 15

months pay. Any period in excess of six months shall be reckoned as
one complete year of service. If he has put in service of more than -
30- years, additional gratuity amount at the rate of one-half of a
month’s pay for each completed year beyond -30- years is
permissible.
Amount admissible for calculation of gratuity :(1) Basic Pay,

Special Pay, Permanent Personal Pay, FPP, PQP (2) Dearness
Allowance
 Gratuity amount up to Rs 10 lakhs is exempted from Income

Tax.

 Gratuity cannot be attached, impounded or forfeited except

under certain conditions.
 Employee has a right to receive the Gratuity in cash also.
ADDITIONAL RETIREMENT BENEFIT:
 The scheme for additional retirement benefit provides that a

member of award staff on his Retirement/Voluntary retirement/
Death shall be eligible for payment of -6- months emoluments
as additional retirement benefit, provided he had completed 30
years of service in the Bank.

PENSION SCHEME:
 All employees in service as on 31.03.2010 are covered by

Pension Scheme.
 Available on Superannuation, death, Voluntary Retirement,
Discharge from Service under Para 12(c) of BPS dated
10.04.2002, retirement on medical grounds.
 Family Pension, Invalid Pension, Compassionate Allowance
Premature retirement Pension, Compulsory retirement
Pension are different types of Pension.
 1/3 of Basic pension can be commuted which would be
restored after 15 years of date of commutation.
 DA will be calculated on full basic pension.
Basic Pension: Basic Pay + Special Pay + Stag Increments + PQP +

PPP (basic)
2
Reduced Basic Pension: Basic Pension – Commuted portion of Basic
Pension
Pension Payable: Reduced Basic Pension + DA on Basic Pension

(Basic Pension x % of DA)
Method of Calculation: Full pension is payable for 33 years of service.

Those with less number of years of service reduced proportionately.
Ex: a person with 25 years of service is entitled for Full Pension X
25/33.
Basic + Special Pay + Stagnation Increment + Basic Rs 24000/-

Component of PPP +PQP
Full Basic Pension (33 Years of Service) – 50% of Rs 12000/-
the above
Commutation – Maximum allowed 1/3 of the above Rs 4000/-
Reduced Basic pension payable per month Rs 8000/-
A

DA on Full Basic Pension Say @ 50% Rs 6000/-

B
Pension Payable Rs 14000
A+B
Method of calculation of commutation:
The commutation is calculated on the basis of commuted value of

pension expressed as number of years’ purchase with reference to the
age of the pensioner as on his next birthday. The commuted value in
the case of an employee retiring at the age of fifty eight years is 10.46
years' purchase and, therefore, if he commutes rupees one hundred
from his pension within one year of retirement, the lump sum amount
payable to him works out to Rs.100 X 10.46 X 12 = Rs 12,552.
NEW PENSION SCHEME (NPS)
It is mandatory for all employees joining the service after 01.04.2010

to contribute 10% of their Basic Pay and DA and the banks would
make a matching contribution. This amount constitutes Tier-I of the
NPS and members can contribute to Tier-II of the fund voluntarily.
Tier-I is a non-withdrawable fund. If any member wants to exit from

the Fund at or after 60 years of age, it would be mandatory for him to
invest 40% Tier-1 to purchase an annuity which will provide for
Pension for the life time of the member and his family members. The
remaining 60% of the Tier-1 fund can be used by him in whichever
way he likes. If anyone wants to withdraw from the fund before the
age of 60, the above ratio is 20:40.
Tier II Fund is not operational at present (as on 04.01.2012) as the

modalities are not yet finalised by the Government.
Contribution in to Tier I Fund would be kept in non-withdraw able

Pension Fund.

In case of death, incapacitation etc, the fund would be released as per

the Government guidelines.
Contributions to NPS are considered for tax benefits under Income

Tax Act.
UNIFORMS & LIVERIES TO Subordinate Staff:
Type Eligibility Period Limit in Rs

Summer Confirmed 3 sets in 2 1000/-
Uniform employees years per set
Winter Confirmed 1 set in 3 3000/-
Uniform employees years per set
Umbrella Confirmed 1 in 2 years 250/-
employees
Rain coat Outdoor duty 1 in 2 years 400/-
Rainy Shoes Confirmed 1 pair in 2 200/-
employees years
Leather Watchmen/guards 1 Pair in 2 1000/-
shoes years
Cardigan Watchmen/guards Once in 2 600/-
years
Gum Boots Watchmen/guards Once in 2 300/-
years
Socks-Nylon, Watchmen/guards Every Year 60/-
Navy Blue
Socks- Watchmen/guards Every year 40/-
Woolen
FOR LADY SUB-STAFF
Two sets of Terry Khadi/Terry Cotton uniform comprise of a

plain Maroon saree, a matching blouse and petticoat.

(* Ref:HO:BR:93/155 dated 19/07/2001 and subsequent

modification)
Widows have an option of wearing white or blue saree.
Part time & Temporary workmen
FLOOR SPACE CRITERIA FOR IDENTIFICATION OF PART
TIME SWEEPERS
Cleanable area of Time per week Entitlement of

the premises wages
Up to 750 Sft Less than 6 hours 1/3 Scale wages

751 Sft to 2000 Sft 6 to less up to 13 1/3 Scale wages
hours
2001 Sft to 2600 Sft More than 13 up ½ Scale wages
to 19 hours
2601 Sft to 3500 Sft More than 19 up ¾ Scale wages
to 29 hours
3501 Sft to 5000 Sft Beyond 29 hours Full scale wages
 If asked to work more time than stipulated working

hours difference in scale wages including increments at
higher rates to be given.
 Any temporary workmen asked to work for full day would

have to be paid pro-rata wages of a permanent
employee.
ENTITLEMENTS OF PERMANENT PART TIME WORKMEN
Pro-rata Annual and stagnation increments, All

according to components of salary, PF, Gratuity, Pension,
scale wages LFC, Leave encashment, Hospitalisation, All
Loans, Festival Advance, Transport
Allowance, Canteen Subsidy,
Full Medical Aid, Ex gratia medical Aid, Uniforms,

Washing Allowance Cooking fuel Subsidy,

leave facility
PAYMENT OF WAGES TO TEMPORARY/CASUAL PERSONS:
Per day wages payable to temporary employee is arrived at by

dividing the wages payable to a subordinate staff member at the
first stage of scale of pay by the number of days in that
particular month. For calculation the lowest Basic Pay and DA
and HRA would be taken into consideration.
Illustration:
If a person is engaged as a full-time sweeper on any day of
January, 2004 at a place under Area-III, he would be paid
wages of Rs.136/-, the calculation of wages payable is as under:
Basic Pay: Rs.2750/-
DA: Rs.1280/-
HRA (6.5%): Rs.179/- Total – Rs.4209/-
Per day wages = Rs.135.77 (Rs.4209 divided by 31 days)
In case of a temporary scale wage sweeper, per day wages will

be prorata of Rs.136/-. Say a temporary 1/3rd Sweeper would
get Rs.45/- per day.
In case a temporary person is engaged for a continuous period

of –6- working days in a week, he shall be paid wages for the
Sunday.

POLICY REGARDING CASH REMITTANCE:

Transit Insurance Cover available for Rs 4 Crores only
Mode of Limit Conditions

Transport
Foot 1 lakh One cashier + One escort
Bank’s Motor 5 lakhs 1 Cashier + 1 Peon or

Cycle Watchman/Armed Guard
Only when no other mode is available
Three 10 lakhs 1 Cashier + 1 Peon or
Wheeler Watchman/Armed Guard
Within municipal limits & up to 5 Kms
beyond
Four wheeler 50 lakh (metro & Up to 20 lakhs: 1 Cashier + 1 Peon or
Hired Urban) Watchman
25 lakh (other Above 20 lakhs: 1 Cashier + 1 Peon and
centres) 1 Armed Guard
Bank’s own Same as above Up to 20 lakhs: 1 Cashier + 1 Peon or
(other than Watchman
cash van) Above 20 lakhs: 1 Cashier + 1 Peon and
1 Armed Guard
Bank’s Cash 2.5 Crores Up to 20 lakhs: 1 cashier, 1 peon or
Van watchman/ Armed Guard
Above 20 lakhs, below 50 lakhs:
Cashier + 1 Peon and 1 Armed Guard
Above 50 lakhs: 1 Cashier + 1 Peon and
2 Armed Guards
Train 75 lakhs Up to 20 lakhs: 1 Cashier + 1 Peon or 1
Armed Guard
Above 20 lakhs up to 50 lakhs: 1
Cashier + 1 Peon and 1 Armed Guard
Above 50 lakhs: 1 Cashier + 1 Peon and
2 Armed Guards
Bus 25 lakhs Same as above

HOLIDAY HOME
All full-time confirmed employees and retired employees of the bank

are eligible to avail the facility of holiday homes established by the
bank at various centres. Employees who have opted for BOBEVRS-
2001 will be eligible for the Holiday Home facility on reaching the
age of superannuation only. i.e, 60 years.
Holiday home can be booked for maximum of 7 days.
Rent: Clerical staff: Rs 30.00 Per day; Sub-Staff: 20.00 Per day.
No Holiday Home Name, Address and Controlling Branch Details

1 MUMBAI
Nugget” Opp. Samna Press, Near Parel Bus Depot, Nagu Sayajiwadi,
New Prabhadevi Road, Mumbai – 400 025 Tel. No.022-24386098
Controlling Br: Bank of Baroda, Prabhadevi Branch Abbr. Code –‘
PRABHA’ Kamna Co-op. Housing Society S.K. Bole Road,
Prabhadevi Mumbai – 400028 Tel. No.022-24229440/24227381, Fax
No.022-24302940 CBS A/c: 12530200000270
2 AURANGABAD
Hotel Kartiki, Opp: Siddharth Garden Lal Bahadur Shastri Marg
Aurangabad–431 001 Ph: (0240)–2339060 – 62
Controlling Br: Bank of Baroda, Abbr. Code–‘ SAMRAT’
Samarthnagar Branch Aurangabad’431 001 Ph: (0240)’2334208,
2362276 CBS A/C: 18880200000338
3 GANPATI PULE
ABHISHEK BEACH RESORT GANAPTIPULE, RATNAGIRI,
MAHARASHTRA PHONE 02357 Code– 4264 MOB 9373848184
Controlling Br: Ratanagri Branch, Pras Plaza, C–Wing, K.C. Jain
Nagar, Maruti Mandir, Ratnagiri, Maharashtra. PH: 02352– 221631,
222539 CBS A/C: 10130200000187
4 LONAVALA
Harnam Shree Housing Complex, Row House No. 2, Tungarliward,
Plot No. 11, Opp. Bijis Hill Retreat, LONAVALA. Ta.: Maval. Di.
Pune Ph: (02114)–273861

Controlling Br: Bank of Baroda, Abbr. Code–LONAVA’ Lonavala

Branch, Prabhu Niwas, Nr. S.T. Bus Stand Gawali Wada, Mumbai–
Pune Highway, Lonavala – 410 401, Dist. Pune Tele No.02114–
273726, 272119 FAX–273450 CBS A/c. No. 09440200000490
5 MAHABALESHWAR
Hotel Shreyas, Opp: S.T. Bus Station Mahabaleshwar–412 806 Dist:
Satara, Maharashtra Ph: (02168)–260365, 260603
Controlling Br: Bank of Baroda, Abbr. Code: –‘SATARA’
355/A,Shanivar Peth, SATARA–415002 Ph: (02162)–234184, Fax–
02162–227594 CBS A/C:04420200000004
6 NASIK
Trimbak”Bank of Baroda Holiday Home, Duplex Flat, Thakkars
Retreat, Old Gangpur Naka, Nasik. Ph:0253–2582881
Controlling Br: Bank of Baroda, Abbr. Code‘ GANNAS” 7–B, Torna
Palace, Maniknagar Soc., Gangapur Road Br., Nasik – 422 013 Tel.No.
(0253)– 2570722 CBS A/C: 27850200000025
7 PANAJI
‘PANAJI”Bank of Baroda, F–1, La Campala Colony, Meera Marg
Panaji – 403 001. Ph:(0832)–2464361
Controlling Br: Bank of Baroda, Abbr. Code–‘ PANAJI’ Regional
Office Goa & W.Maha Reg. P.B. No. 236, Opp: Azad Maidan Panaji–
403 712, Goa, Ph: (0832)–2435016, 2435017,2426213, Fax: (0832)–
2224591 CBS A/c. No. 04820400000076
8 SHIRDI
Nisarga Cottage Resorts Shirdi – Ahmednagar Road Shirdi – 423 109,
Maharashtra Ph: (02423) – 255115
Controlling Br: Bank of Baroda, Abbr. Code‘KOPERG” Kopergaon
Branch Kopergaon Peoples Bldg., Bank Road, Kopergaon – 423 601,
Dist: Ahmednagar (Maharashtra) Ph–02423–222301, Fax No.–225581
CBS A/C: 04560200000297
9 CHENNAI
CHENNAI Bank Of Baroda Holiday Home New No. 30, old no. Home
60/1, Barkit Road , T. Nagar Chennai – 600 017 , Phone: (044)
23454349
Controlling Br: Bank of Baroda, Abbr. Code‘MYLAPO” Z.O.
Southern Zone, Chennai – 600 018 Phone: (044) 23454371, 23454305
(Fax) 23454331 CBS A/c. No. 05270100008700
10 KANYAKUMARI
Laxmi Tourist Home East Car Street, Nr. Sea Shore Kanyakumari–629

702 Ph: (04652)– 246333

Controlling Br: Bank of Baroda, Abbr. Code‘NAGCOI” Nagarcoil
Branch, DDJ Centre, Opp: Vadasheri Bus Stand, Nagarcoil–629 001
Ph: (04652) – 232445 CBS A/C: 24420200001683
11 KODAIKANAL
C/o M/s. Sornam Apartments Fern Hill Road, Opp: to Hotel
Tamilnadu, Kodaikanal–724 001 Ph: (04542)– 240562
Controlling Br: Bank of Baroda, Abbr. Code‘MADURA” Madurai
Main Branch, PB No. 142 5, East Avani Moola Street Madurai–625
001. Ph: (0452)– 2622938 Fax: (0452)– 2622038 CBS A/C:
05530200000647
12 OOTY
R N Holidays,(a unit of Darshan Hotel, Ooty), Near Hotel Darshan,
Near Lake Boat House, Ooty–643 001.Ph.– 0423-
222450,2443378,2452288
Controlling Br: Bank of Baroda, Abbr. Code‘COONOO’ Coonoor
Branch, P.B.No.22, 57, Grays Hill, Coonoor, 643101. Ph. No.0423–
2231721, Fax: 2236721 CBS A/c. No. 10490200006898
13 BANGALORE
Hotel Shree Adiga Residency No.32, 1st Main Road,
Gandhinagar,BANGALORE 560009 Phone no. 080-40434043
Controlling Br: Bank of Baroda K.G. Road Branch P.O. Box No. 2
Prithvi Building, Kempa Gowda Road BANGALORE. 560 009. TEL.
[080] 22268106/107/108, FAX 22253526, CBS A/c. No.
05190200000049
14 TIRUPATI
TIRUPATI Hotel Bhimas Paradise 33-37 Renigunta Road, Tirupati –
517501 Ph: (0877)–2225747, Fax: (0877)– 2225568
Controlling Br: Bank of Baroda, Abbr. Code‘TIRUPA” Tirupati
branch, 15–3–481 B, V. V. Mahal Road , Tirupati– 517501 Telephone
No. : 0877–2222242 Fax No. 0877–2227651 CBS A/C. NO.
1530010006118
15 DALHOUSE
Hotel Surya Resort Dalhousie Road, Baloon Church Road, Bathri View
Estate, Dalhousie (H.P.) Ph: (01899)– 242158
Controlling Br:Bank of Baroda Abbr. Code–‘PATHAN’ Pathankot
Branch Dalhousie Road, Pathankot – 145 001 Dist: Gurdaspur (Punjab)
Ph: (0186)– 2221150 CBS A/c. No. 07690200000039
16 KATRA

Hotel Malti Palace Panthal Road, Katra, Jammu. Ph: (01991)– 233500
– 233501
Controlling Br: Bank of Baroda Abbr. Code–‘GANJAM’ Gandhinagar
Branch, Gole Market, Gandhinagar. Jammu– 180004 Ph: (0191)–
2451481, 2437572 CBS A/C: 18750200000045
17 MANALI
‘Hotel Anupam Palace ” The Mall, Manali– 175 131 Ph: (01902) –
252181
Controlling Br: Bank of Baroda Hotel Highway Inn The Mall Manali.
175 131 Dist. Kulu [HP] Phone No. 01902 – 250052 Email :
manali@bankofbaroda.com CBS A/c. No. 32080200000010
18 NEW DELHI
HOTEL Swanran Palace, 15 A/33,W.E.A., Ajmal Khan Road, Karol
Baug,(opp. Jeesa Ram Hospital), NEW DELHI – 110005 PH. NO.
011–25761110,25752100,25762100 FAX NO. 011–45042777
Controlling Br: KAROL BAGH BRANCH, 5-A/14, AJMAL KHAN
ROAD, NEW DELHI –110 005 PH. NO. 011–
25751650/25723585/25720425 FAX 011–52752442 CBS A/C NO.
OF THE CONTROLLING BRANCH : A/C NO. 00970200000171
19 SIMLA
Hotel Dreamland The Ridge, Simla Ph: (0177)– 2653005, 2657377
Controlling Br: Bank of Baroda Abbr. Code–‘SIMLA’Simla Branch
Shri Guru Singh Sabha, Cart Road Simla. Ph: (0177) – 2653153,
2804014
20 Nainital
Hotel Sashi Nainital Naya Bazzar, Haldwani Road Tallital, Di.Nainital
Tel No-05942-231152
Controlling Br: BankofBaroda,Abbr.Code:"NAINIT" Nainital
Branch,Mallital, Nainital-263001( Dist: Nainital)
Ph:(05942)236285/236841, email: NAINIT@bankofbaroda.com CBS
A/c: 06090200000167
21 AGRA
HOTEL JYOTI CONTINENTAL, A-5, VIBHAV NAGAR, NEAR
HDFC BANK, FATEHABAD ROAD, AGRA- 282 001 (U.P.) PH.
NO. 09358039920/ 09358039922
Controlling Br: AGRA MAIN BRANCH, 13, M. G. Road, AGRA. PH.
NO. 0562-2461202 / 2464362 A/C NO. 00780400000180
22 HARDWAR
Hotel Kailash Shivmurthy Railway Road Hardwar. Ph: (01334) –

227789
Controlling Br: Bank of Baroda, Abbr. Code‘HARDWA” Upper Road,
Hardwar – 249 401 Dist: Hardwar. Ph: (01334)–227535,226671 CBS
A/c: 09260200000396
23 LUCKNOW
Grand Hotel (Nr. Novelty Theatre) 4, Lalbaug, Lucknow. Ph: (0522) –
2224229/2214022 –23
Controlling Br: Bank of Baroda Abbr. Code‘NARHI” Regional Office,
Lucknow Region 2,nd floor, 23, Vibhutikhand, 226 Gomti nagar,
Lucknow Phone 0522 6677656/ 6677667/ 6677744 ,0522 6674660,
CBS A/c No 08700200000481
24 MATHURA
MATHURA Hotel Heera Residency P. Ltd. Near Kaila Devi Mandir
Junction Road Sonkth Adda, MATHURA.
Controlling Br: Bank of Baroda, Abbr. Code ‘MATHUR” Kotwali
Road, MATHURA. 281 001. Phone 0565 2405969,2403694 CBS A/c.
No. 07470200000581
25 MUSSORRIE
Hotel Deep, Camels Back Road, Mussorie. Phone 09837170142. 0135–
2632470
Controlling Br: Bank of Baroda, Abbr. Code‘MUSSOO” Regent
House, Kurli Mussoorie – 248 179 Ph: (0135) – 2632356, 2630670
CBS A/c: 12320200003958
26 VARANASI
HOTEL SIDDHARTH situated at D–58/9–A, Sigra, Varanasi.
Controlling Br: Bank of Baroda, Nadesar Branch, D–58/30C, Sigra,
Varanasi – 221010 (0542) 2361820 CBS A/c: 28620200000369
27 BHUBANESHWAR
Hotel Priya A-30/1, Unit-3, Kharvelnagar, J.N. Marg, Bhubneshwar-
751 001 Ph: (0674) - 2405844/2408430
Controlling Br: Bank of Baroda, Abbr. Code: ‘BHUBAN‘ Bapuji
Nagar, Bhubneshwar-751009 Ph: (0674) 2532214 Fax: (0674) -
2530018 CBS A/C: 068802000000743
28 PURI
HOTEL LEE GARDEN V.I.P. ROAD,NEAR NETAJI SUBHASH
CHANDRA BOSE CHOWK PURI–752 001 (ORISSA) PH. NO.
06752-229986 / 223647
Controlling Br: Bank of Baroda, Abbr. Code–‘SWARGD’ Swargdwar
Branch Puri–752 001 Ph: (06752)-223051 CBS A/c: 24290200000207

29 DIU
ROYAL HOTEL, NEAR OLD FISH MARKET, BEHIND DIU
MUNICIPAL COMPLEX, DIU – 362 520 (UNION TERRITORY) PH
NO. 02875– 253786 MOBILE NO. 09714313130
Controlling Br: DIU BRANCH, NEAR JUMMA MASJID,
DR.KELKAR ROAD DIU – 362 520 PH. NO. 02875. CBS A/c. No.
for Holiday Home Rent Remittance: 40610200000042
30 SAPUTARA
Hotel Chitrakut Guest House & Rest. Saputara, Dist: Dang, Gujarat.
Ph: (02631)– 237221/237237
Controlling Br: Bank of Baroda, Abbr. Code–‘ TITHAL ’ Regional
Office, Bulsar Region Mahalaxmi Aptt., Tithal Road, Bulsar–396 001.
Ph: (02632)–253035/241486, 244210 Fax: (02632)–248321 CBS A/c:
17410400000481
31 JAIPUR
Hotel Ratnavali, M.I. Road, 138, New Colony, Nr. Panch Batti Jaipur –
302 001(Raj.), Ph: (0141) – 2363217, 2377487 Fax–0141–2367530
Controlling Br: Bank of Baroda Abbr. Code‘MULJAI” Park Street
Branch 7, M.I. Road, Jaipur – 302 001(Raj) Ph: (0141) –
2370366,2379812. Fax No.–2369685
32 MOUNT ABU
”AMBU SHRI KUNJ”, 1-JANTA COLONY,BEHIND HOTEL
HILLTONE, MOUNT ABU -307 501 (DIST-SIROHI) RAJASTHAN–
307 501 PH NO. (MOBILE) 09427600696.
Controlling Br: Bank of Baroda, Abbr. Code”ABU” Mount Abu–307
501 Dist. Sirohi Ph: (02974) 235166 CBS A/c: 10500400000121
33 NATHDWARA
‘NATHDWARA’ Hotel Shahi Palace Opp. Vandana Talkies Bus
Stand, Nathdwara, Di. Rajsamand, Rajasthan–313301. Ph. 02953–
230899, Mob:09660634091
Controlling Br: Bank of Baroda. Abbr. Code –‘NATHDW’ Nathdwara
Branch Nathdwara, Dist: Rajasamand Ph: (02953) Code– 232914,
234108. CBS A/c. No. 10300400011970
34 UDAIPUR
Hotel Kanchan Palace, 60, Panchsheel Marg, Town Hall Road, Outside
Shramjivi College, Udaipur PIN 313001 Tel. No. 0294–2420162,
2425145, 5101579
Controlling Br: Bank of Baroda, Abbr. Code: –‘UDAIPU’ Udaipur
Main Branch Opp: Town Hall, Udaipur– 313 001 Ph: (0294) –

2421673, 2420671 [F] 2413245 CBS A/c. No. 01370400000455

35 DARJEELING
Hotel Sagarika 1, J.P. Shama Road, P.O. Dist.Darjeeling. Ph: (0354)–
2253885
Controlling Br: Bank of Baroda, Abbr. Code –‘ DARJEE’
14,H.D.Lama Road, 12/11,Rovertson Road, Darjeeling–734 101 Ph /
fax: (0354) –2254644 CBS A/C: 13440400000027
36 GANGTOK
Travel Tarayana, Tibet Road Gangtok, East Sikkim-737 101 Ph:
(03592)–203858
Controlling Br: Bank of Baroda, Abbr. Code–‘GANGTO’ Gangtok
Branch, Top in Town Bldg. M.G. Marg, Nr.Gandhi Statue, Gangtok–
737101. Ph: (03592)–203216, Pub.Phone: 221560 CBS A/C:
24950400000022
37 KOLKATA
Hotel Swagat, 37,Hazara Road, Kolkata– 730 029. Ph. No. (033)
24766161/6262/6464,24748566 Fax 033– 24758324
Controlling Br: Bank of Baroda, Abbr. Code: –‘LANSDO’ Lansdowne
Market Branch 63/3/B Sarat Bose Road, Ist floor, Kolkata–700 025.
Ph: (033) 24759649,24860332.Fax: (033)– 24860332 CBS A/c:
00310100002342
38 PORT BLAIR-
Hotel Shreesh, Link Road, Goalghar Port Blair- 744102 Ph: (03192)–
239945, Manager -09679503928 Fax: (03192)–242115
Controlling Br: Bank of Baroda, Abbr. Code –‘ PBLAIR’ Port Blair
Branch, BJP Bhawan, MG Road, Middle Point Port Blair–744101 Ph /
fax: (03192) –239945 / 244462 CBS A/C: 29370200000466

SCHEDULE FOR REIMBURSEMENT OFHOSPITALISATION

EXPENSES MEDCIAL INSURANCE SCHEME
Having regard to the need to extend better coverage and

reimbursement of hospitalization and medical expenses incurred by
the officers / employees/dependent family members, the demand for
full reimbursement of expenses connected with hospitalisation and
medical treatment including domiciliary hospitalization and
domiciliary treatment was discussed by and between the parties and a
new scheme for reimbursement of medical expenses has been
formulated.
The salient feature of the Scheme is as under:
The scheme shall cover expenses of the officers / employees and

dependent family members in cases he/she shall contract any disease
or suffer from any illness (hereinafter called DISEASE) or sustain any
bodily injury through accident (hereinafter called INJURY) and if
such disease or injury shall require any employee/ dependent family
member, upon the advice of a duly qualified Physician/Medical
Specialist/Medical practitioner (herein after called MEDICAL
PRACTITIONER) or of a duly qualified Surgeon (hereinafter called
SURGEON) to incur hospitalization/ domiciliary hospitalization and
domiciliary treatment expenses as defined in the Scheme, for
medical/surgical treatment at any Nursing Home/Hospital / Clinic (for
domiciliary treatment)/ Day care Centre which are registered with the
local bodies in India as herein defined (hereinafter called HOSPITAL)
as an inpatient or otherwise as specified as per the scheme.
The Scheme covers Employee + Spouse + Dependent Children + any

two of the dependent Parents /Parents-in-law.
 No age limit for dependent children (including step children

and legally adopted children).

 A child would be considered dependent if his/her monthly

income does not exceedRs.10,000/- per month;
 Widowed Daughter and dependent divorced / separated
daughters, sisters including unmarried / divorced / abandoned
or separated from husband/ widowed sisters and Crippled
Child shall be considered shall be considered as dependent for
the purpose of this policy.
 Physically challenged Brother / Sister with 40% or more
disability shall also be covered as Dependent.
 No Age Limits for Dependent Parents. Any two, i.e. either
dependent parents or parents-in-law will be covered as
dependent.
 Parents would be considered dependent if their monthly
income does not exceedRs.10,000/- per month or as revised
by Indian Banks’ Association in due course, and wholly
dependent on the employee as defined in this scheme.
All the existing permanent officers / employees of the Banks which

are parties to this Settlement shall be covered by this Scheme from the
date of introduction/implementation of this Scheme. All New Officers
/ employees shall be covered from the date of joining as per their
appointment in the bank.
Till the new scheme is made effective and gets implemented, the
existing provisions as per Bipartite Settlement/ Joint Note dated
27.4.2010 will continue to operate.
The new Scheme as applicable to the officers/ employees in service

would be continued beyond their retirement /superannuation/
resignation, etc. subject to payment of stipulated premium by them.
The new Scheme would also cover the existing retired officers/
employees of the Banks and dependent spouse subject to payment of
stipulated premium by them.

In the event of any claim becoming admissible under this scheme, the
Bank will reimburse the amount of such expenses as would fall under
different heads mentioned below and as are reasonably and medically
necessary incurred thereof by or on behalf of such employee.
Reimbursement shall cover Room and Boarding expenses as provided
by the Hospital/Nursing Home not exceeding Rs.5000 per day or the
actual amount whichever is less. Intensive Care Unit (ICU) expenses
not exceeding Rs.7500/- per day or actual amount whichever is less.
Surgeon, team of surgeons, Assistant surgeon, Anaesthetist, Medical
Practitioner, Consultants, Specialists Fees, Nursing Charges, Service
Charges, IV Administration Charges, Nebulization Charges, RMO
charges, Anaesthetic, Blood, Oxygen, Operation Theatre Charges,
surgical appliances, OT consumables, Medicines & Drugs, Dialysis,
Chemotherapy, Radiotherapy, Cost of Artificial Limbs, cost of
prosthetic devices implanted during surgical procedure like
pacemaker, defibrillator, ventilator, orthopaedic implants, Cochlear
Implant, any other implant, Intra-Occular Lenses, infra cardiac valvere
placements, vascular stents, any other valve replacement, laboratory/
diagnostic tests, Xray CT Scan, MRI, any other scan, scopies and such
similar expenses that are medically necessary or incurred during
hospitalization as per the advice of the attending doctor.
Hospitalization expenses (excluding cost of organ) incurred on donor

in respect of organ transplant to officers/ employee/dependent would
also be covered for reimbursement.
Pre and Post Hospitalization expenses payable in respect of each

hospitalization shall be the actual expenses incurred subject to 30 days
prior to hospitalization and 90 days after discharge.
Alternative systems of treatments other than treatment under

Allopathy or modern medicines hall include Ayurveda, Unani, Siddha,
Homeopathy and Naturopathy in the Indian context for
Hospitalization and Domiciliary treatment.

CASHLESS FACILITY: The scheme also includes the benefit of

cashless treatment facility in hospitals under a scheme worked by the
Banks and the hospitals under a common insurance scheme.
CONTRIBUTION: The officers / employees shall not be required to

share the cost of such benefits under the new scheme. However, in the
case of officers / employees retiring from the Banks after the scheme
is introduced and those who are already retired from the services of
the banks and who opt to avail the benefits of the scheme, the amount
of contribution by such persons shall be decided at the respective
Bank level.
Day care Treatments shall be covered under the scheme and would
refer to medical treatment and or surgical procedure which is
i. Undertaken under general or local anaesthesia in a hospital/day care

centre in less than a day because of technological advancement, and
ii. Which would have otherwise required hospitalisation of more than

a day. Treatment normally taken on an out patient basis is not
included in the scope of this definition.
DOMICILIARY HOSPITALIZATION: Domiciliary

Hospitalization shall be covered under this scheme and would mean
medical treatment for an illness/disease/injury which in the normal
course would require care and treatment at a hospital but is actually
taken while confined at home under any of the following
circumstances :
The condition of the patient is such that he/she is not in a condition to

be removed to a hospital or the patient takes treatment at home on
account of non-availability of room in a hospital.

DOMICILIARY TREATMENT shall also be covered under this

scheme i.e. treatment taken for specified diseases which may or may
not require hospitalization as mentioned herein below.
Domiciliary Hospitalization / Domiciliary Treatment : Medical

expenses incurred in case of the following diseases which need
Domiciliary Hospitalization /domiciliary treatment as maybe certified
by the recognized hospital authorities and bank's ’medical officer shall
be deemed as hospitalization expenses and reimbursed to the extent of
100%.
Cancer, Leukemia, Thalassemia, Tuberculosis, Paralysis, Cardiac

Ailments , Pleurisy ,Leprosy, Kidney Ailment, All Seizure disorders,
Parkinson’s diseases, Psychiatric disorder including schizophrenia and
psychotherapy, Diabetes and its complications, hypertension, Asthma,
Hepatitis –B, Hepatitis - C, Hemophilia, Myasthenia gravis, Wilson’s
disease, Ulcerative Colitis, Epidermolysisbullosa, Venous Thrombosis
(not caused by smoking)Aplastic Anaemia, Psoriasis, Third Degree
burns, Arthritis, Hypothyroidism, Hyperthyroidism, expenses incurred
on radiotherapy and chemotherapy in the treatment of cancer and
leukemia, Glaucoma, Tumor, Diphtheria, Malaria, Non-Alcoholic
Cirrhosis of Liver, Purpura, Typhoid, Accidents of Serious Nature,
Cerebral Palsy, Polio, all Strokes leading to Paralysis, Haemorrhages
caused by accidents, all animal/reptile/insect bite or sting chronic
pancreatitis, Immuno suppressants, multiple sclerosis / motor neuron
disease, statusasthamaticus, sequalea of meningitis, osteoporosis,
muscular dystrophies, sleep apneasyndrome(not related to obesity),
any organ related (chronic) condition, sickle cell disease, systemic
lupus erythematous (SLE), any connective tissue disorder, varicose
veins ,thrombo embolism venous thrombosis/ venous thrombo
embolism (VTE), growth disorders, Graves’ disease, Chronic
Pulmonary Disease, Chronic Bronchitis, Physiotherapy and swine flu
shall be considered for reimbursement under domiciliary treatment.

The cost of medicines, investigations, and consultations, etc. in

respect of domiciliary treatment shall be reimbursed for the period
stated by the specialist in Prescription. If no period stated, the
prescription for the purpose of reimbursement shall be valid for a
period not exceeding 90 days.
HOSPITAL / NURSING HOME: A Hospital under this scheme
would mean any institution established for in-patient care and day care
treatment of illness and/or injuries and which has been registered as a
Hospital with the local authorities under the Clinical establishments
(Registration and Regulation) Act, 2010 or under the enactments
specified under the Schedule of Section 56(1) of the said Act OR
complies with all minimum criteria asunder:
- Has qualified nursing staff under its employment round the clock.
- Has at least 10 in-patient beds in towns having a population of less

than 10 lacs and at least 15 in-patient beds in all other places;
- Has qualified medical practitioner(s) in charge, round the clock;
- Has a fully equipped Operation Theatre of its own where surgical

procedures are carried out; Maintains daily records of patients and
makes these accessible to the insurance company’s authorized
personnel.
This clause will however be relaxed in areas where it is difficult to

find such hospitals. The term ' Hospital / Nursing Home ' shall not
include an establishment which is a place of rest, a place for the aged,
a place for drug-addicts or place for alcoholics, a hotel or a similar
place.
HOSPITALIZATION: Hospitalization would mean admission in a

Hospital/ Nursing Home for a minimum period of 24 consecutive
hours of inpatient care except for specified procedures/treatments,
where such admission could be for a period of less than a day,

ID CARD: In terms of the scheme arrived at between the Banks and

insurance companies, ID Cards would be issued to all the officers /
employees/ dependent family members/retired officers /
employees/their dependents for the purpose of availing cashless
facility in network hospitals.
PRE-EXISTING DISEASE: Pre Existing Diseases would be covered

for reimbursement under this scheme.
PRE–HOSPITALISATION MEDICAL EXPENSES: Medical

expenses incurred immediately 30 days before the insured person is
hospitalized will be considered as part of a claim provided that such
medical expenses are incurred for the same condition for which the
insured person’s hospitalization was required.
POST HOSPITALISATION MEDICAL EXPENSES: Relevant

medical expenses incurred immediately 90 days after the employee/
dependent/ retirement employee is discharged from the hospital
provided that such medical expenses are incurred for the same
condition for which the Insured Person’s Hospitalization was required.
Additional Ex-Gratia for Critical Illness : In addition to the

reimbursement covered under this scheme, officers / employees (only
officers / employees and not their dependents or retired officers /
employees) shall be provided additional ex gratia of Rs. 1,00,000/- . In
casean employee contracts a Critical Illness as listed below, the sum
of Rs.1,00,000/- shall be paid. This benefit shall be provided on first
detection/diagnosis of the Critical Illness. Cancer including Leukemia
 Stroke
 Paralysis
 By Pass Surgery
 Major Organ Transplant/Bone marrow transplantation
 End Stage Liver Disease

 Heart Attack
 Kidney Failure
 Heart Valve Replacement Surgery
Hospitalization is not required to claim this benefit.
Expenses on Hospitalization for minimum period of a day are

admissible. However, this time limit shall not be applied to specific
treatments, such as
1 Adenoidectomy
2 Appendectomy
3 Auroplasty not Cosmetic in nature
4 Coronary angiography /Renal
5 Coronary angioplasty
6 Dental surgery
7 D&C
8 Excision of cyst/granuloma/lump/tumor
9 Eye surgery
10 Fracture including hairline fracture /dislocation
11 Radiotherapy
12 Chemotherapy including parental chemotherapy
13 Lithotripsy
14 Incision and drainage of abscess
15 Varicocelectomy
16 Wound suturing
17 FESS
18 Operations/Micro surgical operations on the nose, middle
ear/internal ear, tongue, mouth, face, tonsils & adenoids,
salivary glands & salivary ducts, breast, skin & subcutaneous tissues,
digestive tract, female/male sexual organs.
19 Haemo dialysis
20 Fissurectomy / Fistulectomy
21 Mastoidectomy
22 Hydrocele
23 Hysterectomy

24 Inguinal/ventral/umbilical/femoral hernia
25 Parenteral chemotherapy
26 Polypectomy
27 Septoplasty
28 Piles/ fistula
29 Prostate surgeries
30 Sinusitis surgeries
31 Tonsillectomy
32 Liver aspiration
33 Sclerotherapy
34 Varicose Vein Ligation
35 All scopies along with biopsies
36 Lumbar puncture
37 Ascitic Pleural tapping-
This condition will also not apply in case of stay in hospital of less
than a day provided the treatment is undertaken under General or
Local Anesthesia in a hospital / day care centre in less than a day
because of technological advancement and which would have
otherwise required hospitalization of more than a day.
MATERNITY EXPENSES BENEFIT EXTENSION : Hospitalization

expenses in respect of the new born child can be covered within the
Mother’s Maternity expenses. The maximum benefit allowable under
this clause will be up to Rs. 50000/- for normal delivery and
Rs.75,000/- for Caesarean Section.
Baby Day one Cover: New born baby is covered from day one. All
expenses incurred on the new born baby during maternity will be
covered in addition to the maternity limit and up to Rs, 20,000/-.
Ambulance Charges: Ambulance charges are payable up to Rs 2500/-

per trip to hospital and/ or transfer to another hospital or transfer from
hospital to home if medically advised. Taxi and Auto expenses in
actual maximum up to Rs750/- per trip will also be reimbursable.

Ambulance charges actually incurred on transfer from one center to

another center due to Non availability of medical services/ medical
complication shall be payable in full.
Congenital Anomalies: Expenses for Treatment of Congenital Internal
/ External diseases, defects anomalies are covered under the scheme.
Psychiatric diseases: Expenses for treatment of psychiatric and

psychosomatic diseases shall be payable with or without
hospitalization.
Advanced Medical Treatment: All new kinds of approved advanced

medical procedures for e.g. laser surgery, stem cell therapy for
treatment of a disease is payable on hospitalization/day care surgery.
Treatment taken for Accidents can be payable even on OPD basis in

Hospital.
Taxes and other Charges : All Taxes , Surcharges , Service Charges ,

Registration charges, Admission Charges , Nursing , and
Administration charges to be payable.
Charges for diapers and sanitary pads are payable, if necessary, as part
of the treatment.
Charges for Hiring a nurse / attendant during hospitalization will be
payable only in case of recommendation from the treating doctor in
case ICU / CCU, Neo natal nursing care or any other case where the
patient is critical and requiring special care.
Treatment for Genetic Disorder and stem cell therapy shall be covered
under the scheme.
Treatment for Age related Macular Degeneration (ARMD), treatment
such as Rotational Field Quantum magnetic Resonance (RFQMR),
Enhanced External Counter Pulsation(EECP), etc. are covered under
the scheme. Treatment for all neurological/ macular degenerative
disorders shall be covered under the scheme.

Rental Charges for External and or durable Medical equipment of any

kind used for diagnosis and or treatment including CPAP, CAPD, Bi-
PAP, Infusion pump etc. will be covered under the scheme. However
purchase of the above equipment to be subsequently used at home in
exceptional cases on medical advice shall be covered.
Ambulatory devices i.e., walker, crutches, Belts, Collars, Caps,

Splints, Slings, Braces, Stockings, elastocrepe bandages, external
orthopaedic pads, sub cutaneous insulin pump, Diabetic foot wear,
Glucometer (including Glucose Test Strips)/ Nebulizer/ prosthetic
devise/Thermometer, alpha / water bed and similar related items etc.,
will be covered under the scheme.
Physiotherapy charges: Physiotherapy charges shall be covered for the

period specified by the Medical Practitioner even if taken at home.
While reimbursement to the officers / employees shall be made by the

Banks as hitherto, the Scheme shall be administered by the Banks
through a scheme worked out between
IBA/Banks and Insurance companies and officers / employees would

in no way be directly bound by the terms and conditions of such
scheme or arrangements. However, for the purpose of clarity and
information, the details of the Scheme worked out between
IBA/Banks and insurance companies is appended herein as Appendix
I & II.
The above stated scheme would not supersede the continuation of any
bank-level arrangement or scheme providing for reimbursement of
medical expenses, which is not covered herein, that may be in
operation in any Bank.
__________
Appendix I & II.

PLEASE REFER SETTLEMENT COPY
AFFILIATED UNITS
1) BANK OF BARODA EMPLOYEES’ ASSOCIATION HARYANA& HP

2) BANK OF BARODA EMPLOYEES’ ASSOCIATION PUNJAB &
CHADIGARH
3) BANK OF BARODA KARMACHARI UNION RAJASTHAN
4) BANK OF BARODA EMPLOYEES’ UNION WESTERN UP
5) BANK OF BARODA EMPLOYEES’ UNION EASTERN UP
6) BIHAR STATE BANK OF BARODA EMPLOYEES’ UNION (BIHAR-
JHARKHAND), PATNA
7) BANK OF BARODA KARACHARI SAMITY PASCHIMBANGA
8) BANK OF BARODA EMPLOYEES’ UNION NAGALAND
9) BANK OF BARODA EMPLOYEES’ ASSOCIATION DELHI &NCR
10) THE BANK OF BARODA EMPLOYEES’ UNION, AHMEDABAD &
NORTH GUJARAT REGION
11) BANK OF BARODA STAFF UNION (SOUTH GUJARAT) BHARUCH
12) BANK OF BARODA KARMACHARI SANGH, BARODA
13) BANK OF BARODA STAFF ASSOCIATION ANAND
14) BANK OF BARODA EMPLOYEES’ UNION SAURASHTRA & KUTCH
JAMNAGAR
15) BANK OF BARODA EMPLOYEES’ UNION MADHYA PRADESH
16) BANK OF BARODA EMPLOYEES’ UNION GOA
17) BANK OF BARODA EMPLOYEES’ UNION MUMBAI & THANE DIST
18) MAHARASHTRA REGION BANK OF BARODA EMPLOYEES’ UNION
PUNE
19) ALL ORISSA BANK OF BARODA KARMACHARI SANGH
20) BANK OF BARODA STAFF UNION ANDHRA PRADESH
21) BANK OF BARODA EMPLOYEES’ UNION KARNATAKA
22) BANK OF BARODA STAFF UNION KERALA
23) BANK OF BARODA WORKMEN UNION TN-I
24) BANK OF BARODA EMPLOYEES’ ASSOCIATION TN-II


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NCBE 10th Bipartite Settlement AIBOBEF

In modification of Clause 4 of Bipartite Settlement dated 27th April

Stagnation Increment STAGE NEW/

1 BANK OF BARODA EMPLOYEES’ UNION AHMEDBAD & N.GU

1 5850 9560 11 8200 13400

(a) Fitment in the new scales of pay shall be on a stage-to-stage basis.

(b) There shall be no change in the dates of annual increments because

2 BANK OF BARODA EMPLOYEES’ UNION AHMEDBAD & N.GU

In partial modification of Clause 5 of Bipartite Settlement dated 27th

The clerical and subordinate staff including permanent part-time

Provided further that a clerical / subordinate staff (including

In reiteration of Clause 6 of the Bipartite Settlement dated 27th April

3 BANK OF BARODA EMPLOYEES’ UNION AHMEDBAD & N.GU

Stagnation increments, Special Pay, Graduation Pay, Professional

Clerical and Subordinate Staff

a) It is clarified that there shall be no ceiling on Dearness

b) Dearness Allowance shall be calculated and paid on Basic

c) All other existing provisions relating to Dearness Allowance

5. House Rent Allowance

4 BANK OF BARODA EMPLOYEES’ UNION AHMEDBAD & N.GU

In substitution of Clause 9 of the Bipartite Settlement dated 27th April

5 BANK OF BARODA EMPLOYEES’ UNION AHMEDBAD & N.GU

Clerical and Subordinate Staff

Upto 15th stage of the scale of Pay - Rs.425/- per month

For Clerical Amount

For Sub-Staff Amount

6 BANK OF BARODA EMPLOYEES’ UNION AHMEDBAD & N.GU

2 Bill collector 390

1. Those who are graduates and/or NDC -

2. Those who have passed JAIIB or Part I of CAIB/CAIIBRs.

3. Those who have passed JAIIB and CAIIB or Both Parts of

7 BANK OF BARODA EMPLOYEES’ UNION AHMEDBAD & N.GU

4. Those who are graduates/NDC and have passed JAIIB or Part I of

(iv) The Special Pay, Graduation Pay and Professional Qualification

(vi) In reiteration of sub-clause (xv) of Clause 11 of the Bipartite

8 BANK OF BARODA EMPLOYEES’ UNION AHMEDBAD & N.GU

Provided that in the case of an employee acquiring such qualifications

Provided further that in case where the non-subordinate employee as

9. Hill and Fuel Allowance

In partial modification of Clause 12 of the Bipartite Settlement dated

b. At places situated at a height of and over1500 metres but

c. At places situated at a height of over1000 metres but less than

Note: All other existing provisions shall remain unchanged.

10. Fixed Personal Pay (in Bank of Baroda its PPP)

9 BANK OF BARODA EMPLOYEES’ UNION AHMEDBAD & N.GU

In partial modification of Clause XIV of Bipartite Settlement dated

Note : Only employees who were in the service of the bank on or

11. Payment of Overtime Allowance

Category Monday – Saturday***

 200% for work done on holidays and weekly off days

 For calculation of OT only Basic, DA, Special Pay Special

12. Pension (including State Bank of India)

13 (A). Pension for Part-time Employees

13 (B). Dearness Relief on Pension

With effect from 1st November, 2012, in respect of employees who

11 BANK OF BARODA EMPLOYEES’ UNION AHMEDBAD & N.GU

Family Pension or Invalid Pension or compassionate allowance as the

14. Provident Fund

(b) Employees of State Bank of India will continue to be covered

15. Medical Aid

In partial modification of Clause 17 of the Bipartite Settlement dated

16. Definition of ‘Family’:

12 BANK OF BARODA EMPLOYEES’ UNION AHMEDBAD & N.GU

leave fare concession, the expression ‘family’ of an employee shall