#BankOfBaroda #FestiveOffers #BOBKeSangTyohaarKiUmang #RetailBanking #MSME #HomeLoans #CarLoans #DigitalBanking #FinancialInclusion #FestiveSeason
Chandigarh: Bank of Baroda (BOB), one of India’s leading public sector banks, has announced the launch of its annual festive campaign “BOB Ke Sang Tyohaar Ki Umang – Shubh Bhi. Labh Bhi.”, bringing a host of attractive offers, concessional interest rates, and value-added benefits for its retail and MSME customers.
The campaign has been designed to add to the festive cheer by offering customers rewarding financial solutions that not only ease access to credit but also enhance convenience through digital innovations. Running across the festive season, the offers are available through both digital channels and the bank’s extensive branch network across the country.
Home Loan Festive Bonanza
As part of the campaign, BOB has unveiled special home loan rates starting at 7.45% per annum, along with a nil processing fee. Recognizing the growing financial independence of women and the aspirations of younger borrowers, the bank is extending additional interest rate concessions for women borrowers, Gen Zs, and millennials (below 40 years of age).
Customers can also avail of easy top-up facilities and benefit from interest calculation on a Daily Reducing Balance basis, ensuring transparency and cost savings over the tenure of the loan.
Car Loans with Green Incentives
For automobile buyers, Bank of Baroda has rolled out a bouquet of car loan benefits:
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Attractive interest rates with the flexibility of both fixed and floating ROI options
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Nil pre-payment charges for individual borrowers under floating ROI
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Extended repayment period up to 84 months, with a special 96-month tenure option for Electric Vehicles (EVs)
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50% concession in processing charges for EV loans
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Financing up to 90% of the on-road price of the vehicle
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Quick and seamless approvals via the bank’s digital platform
With these features, the bank is not only encouraging traditional car buyers but also incentivizing the adoption of sustainable mobility solutions.
bob Masterstroke Lite Savings Account
After the success of its premium Masterstroke Savings Account, the bank has introduced bob Masterstroke Lite, a more inclusive version with a lower Monthly Average Balance requirement. The account is loaded with offers, including lifestyle benefits across dining, travel, and entertainment, along with accidental insurance coverage and financial perks.
Key highlights include:
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Complimentary EaseMyTrip Debit Card with exclusive travel offers
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Free digital remittances (NEFT/RTGS/IMPS)
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Flat ₹750 discount on locker rentals
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Concessions on retail loan processing charges and interest rates
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Lifetime free Eterna Credit Card (terms apply)
bob Smart Current Account for Businesses
To cater to entrepreneurs and businesses with high digital transaction needs, BOB has introduced the bob Smart Current Account. This account offers:
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Unlimited free online transactions (NEFT/RTGS/IMPS/UPI)
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Complimentary 1 POS/MPOS machine and 2 Soundbox QR devices
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Lifetime free Corporate Credit Card (terms apply)
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VISA Vyapaar DI Debit Card designed for business spending
This product underscores BOB’s commitment to empowering MSMEs with convenient and cost-effective banking solutions.
Debit Card Offers for Festive Shopping
Bank of Baroda customers can also enjoy exclusive discounts on Debit Card transactions, with tie-ups across categories such as travel, food, fashion, and grocery. This makes festive shopping more rewarding, while strengthening customer engagement with the bank’s retail ecosystem.
bob Digi Udyam: Digital Lending for MSMEs
In line with the government’s vision to empower small businesses, the bank has rolled out bob Digi Udyam, a cash flow-based digital lending platform designed for Micro and Small Enterprises (MSEs).
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Collateral-free working capital loans ranging from ₹10 lakh to ₹50 lakh
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Attractive interest rates with concessional processing fees
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Coverage under CGTMSE Guarantee Scheme
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100% paperless, digital, and quick sanctioning process
This initiative enables MSMEs to access credit swiftly, transparently, and without the burden of collateral, helping them scale operations during the busy festive season.
bob Property Pride – OD Facility Against Property
For customers seeking larger funding requirements, BOB has introduced bob Property Pride, an overdraft facility against property.
Key features include:
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Loans up to ₹25 crore with tenure till the age of 75 years
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Annual stock statement submission instead of monthly compliance
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Attractive interest rates linked to BRLLR/MCLR
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Low margin requirement (as low as 10%) with concessional fees
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Flexible overdraft options for business and personal needs
Festive Reach and Accessibility
Highlighting the campaign, a senior BOB spokesperson stated:
“Festivals are a time of new beginnings, and we want to make this season more rewarding for our customers. With attractive offers across retail loans, savings, current accounts, and MSME products, our focus is on providing maximum convenience, whether through digital channels or our nationwide branch presence. ‘BOB Ke Sang Tyohaar Ki Umang’ is designed to meet diverse financial needs while bringing customers closer to their aspirations.”
The festive offers are available for a limited period, ensuring that customers can access concessional rates, benefits, and exciting rewards during the peak festive season.
Bank of Baroda’s festive campaign reflects its commitment to supporting individuals, families, and businesses during one of the most auspicious times of the year. With customized products for every segment—from homebuyers and vehicle owners to small businesses and young professionals—the bank is leveraging innovation and inclusivity to make festivals truly special.
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#BankOfBaroda #FestiveOffers #BOBKeSangTyohaarKiUmang #RetailBanking #MSME #HomeLoans #CarLoans #DigitalBanking #FinancialInclusion #FestiveSeason
