Bank of Baroda National Pension Scheme Guidelines and Details
Sarkari Yojana
Bank of Baroda National Pension Scheme Guidelines and Details
Post Date: 08 August 2026|Last Updated: 28 August 2026|By Sarkari Alarm Editorial Team|Sarkari Yojana
| Name Of Post : | Bank of Baroda National Pension Scheme Guidelines and Details |
|---|---|
| Organization : | Bank of Baroda (BOB) |
| Post Date / Update : | 08 August 2026| Update: 28 August 2026 |
| Post Type : | Sarkari Yojana |
| Total Post : | N/A |
| Notification Status : | Sarkari Yojana |
| Official Website : | bankofbaroda.in |
| Short Information : | Bank of Baroda offers the National Pension Scheme (NPS) for retirement planning and systematic savings. Eligible individuals can open Tier I and Tier II accounts through online portals or by visiting a bank branch. Read the official guidelines and details before applying. |
🔴 Quick Summary — 2 Minute Read
| Age Limit | 18 Years – 70 Years |
|---|---|
| Application Fee | One Time Onboarding Charge — Rs. 200/- per new account (Rs. 100/- for digital/non-face-to-face mode) |
| Qualification | Any individual meeting the age and KYC requirements can subscribe. |
| Selection Process | Branch Visit or Online Registration → Document Verification and KYC → PRAN Generation → Initial Contribution |
The Bank of Baroda National Pension Scheme is a voluntary retirement savings program designed to help subscribers build a retirement corpus through systematic savings during their working life. Managed under PFRDA regulations, the scheme provides unique Permanent Retirement Account Numbers and multiple investment options.
Any Indian citizen, resident or non-resident, aged between 18 and 70 years can subscribe to the scheme. Subscribers can open accounts by visiting bank branches with required identity, address, and age proof documents or by using authorized online portals.
💳 Application Fee
| One Time Onboarding Charge | Rs. 200/- per new account (Rs. 100/- for digital/non-face-to-face mode) |
| Annual Charges | 0.20% p.a. of the AUM |
| General / OBC / EWS | N/A |
| SC / ST | N/A |
| PH / PWD | N/A |
| Payment Mode | Update Soon |
🎂 Age Limit
| Minimum Age | 18 Years |
| Maximum Age | 70 Years |
| Age Relaxation | Niyam ke hisaab se (notification dekho) |
📋 Vacancy Details
| Post Name | Total Posts | Eligibility |
|---|---|---|
| National Pension Scheme (NPS) Account | Open | Any Indian Citizen aged 18 to 70 years |
🎓 Eligibility Criteria
Educational Qualification
- Any individual meeting the age and KYC requirements can subscribe.
Other Conditions
- Open to every Indian citizen including residents, non-residents, and Overseas Citizens of India.
- An active Tier I account is mandatory for opening a Tier II account.
- At least one contribution in a financial year in both Tier I and Tier II is mandatory to keep the account active.
✅ Selection Process
- Branch Visit or Online Registration
- Document Verification and KYC
- PRAN Generation
- Initial Contribution
📊 Benefits Table
| Benefit Type | Amount/Subsidy | Who Gets | Documents |
|---|---|---|---|
| Voluntary Contribution | Customizable contribution amount every year | Every Indian citizen | Identity Proof, Address Proof, Age Proof |
| Tax Deduction Section 80CCD(1) | Up to 10 percent of gross income within Rs. 1.5 lakh ceiling | Individual subscribers | NPS Account Statement |
| Tax Deduction Section 80CCD(2) | Employer contribution up to 10 percent of salary without monetary limit | Corporate subscribers | Employment and Salary Proof |
| Exclusive Tax Benefit Section 80CCD(1B) | Additional deduction up to Rs. 50,000 for Tier I account | Individual NPS subscribers | NPS Tier I Account Statement |
📊 Eligibility Criteria
| Category | Income Limit | Age | State/District |
|---|---|---|---|
| Individual Citizen / Corporate | Not specified | 18 to 70 years | All States / Pan India |
📊 How to Check Beneficiary Status
| Method | Portal Link / Reference | Details Required |
|---|---|---|
| Karvy CRA Portal | https://enps.karvy.com/Login/ | PRAN Number and Login Credentials |
| NSDL CRA Portal | https://cra-nsdl.com/CRA/ | PRAN Number and Login Credentials |
📊 Charge Structure Applicable for Common Schemes
| Particulars | Charges |
|---|---|
| One Time Onboarding charge | Rs. 200 per new account or Rs. 100 for digital mode |
| Annual charges | 0.20 percent per annum of the AUM |
📄 Documents Required
- Identity Proof
- Address Proof
- Age Proof
- KYC Documentation
📝 How To Apply / Register for This Scheme
- Visit the official Bank of Baroda website or go to your nearest Bank of Baroda branch.
- Carry valid identity proof, address proof, and age proof documents.
- Fill out the National Pension Scheme account opening form with accurate details.
- Submit the completed form along with the necessary KYC documents to the bank representative or complete the process digitally through the KFintech or CRA Protean portals.
- Make the initial contribution payment as required for the account activation.
- Receive your unique Permanent Retirement Account Number confirming your registration.
🔗 Important Links
| Check Scheme Details | Click Here |
| Official Website | bankofbaroda.in |
| Join WhatsApp Channel | Click Here |
| Join Telegram Channel | Click Here |
❓ Bank of Baroda National Pension Scheme Guidelines and Detail — Important Questions
1. How many types of accounts are available in the NPS scheme?
Two types of accounts are available: Tier I for retirement savings and Tier II as a voluntary savings account.
2. Can I open a Tier II account without a Tier I account?
No, an active Tier I account is mandatory for opening a Tier II account.
3. What is the age limit to subscribe to the National Pension Scheme?
Any Indian citizen between 18 and 70 years of age can apply for an NPS account.
4. What are the minimum contribution requirements for Tier I?
The minimum contribution required per year under Tier I is Rs. 1000, and subsequent contributions must be at least Rs. 500.
5. What are the tax benefits available under Section 80CCD(1B)?
Subscribers get an exclusive deduction for NPS investments up to Rs. 50,000 in a Tier I account over and above the Rs. 1.5 lakh limit under Section 80C.
6. Can an individual open multiple NPS accounts?
No, an individual is allowed to open only one NPS account.
7. Is partial withdrawal permitted from the NPS account?
Yes, partial withdrawal of up to 25 percent of your own contribution is permitted after staying in the scheme for at least 3 years for specific purposes like higher education, marriage, or medical treatment.
8. What are the toll-free numbers for customer assistance?
Domestic customers can call on toll-free numbers 1800 5700 or 1800 5000.
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