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High-Octane Banking for High-Growth Businesses

Unlock superior limits and elite waivers to fuel your corporate journey.

The Bharat Gold Current Account is engineered for established enterprises and large-scale traders who manage significant daily cash flows and high-volume digital payments. This premium tier offers an exceptional range of complimentary services. By aligning with the Gold variant, your business gains a competitive edge through reduced operational costs and a dedicated service experience that respects the value of your time.

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  • Free Insurance
    Free Insurance

    Life & Accident Cover

  • Digital Services
    Digital Services

    Mobile Banking, UPI

  • Debit Card
    Debit Card

    Rupay Classic, Platinum

  • Personal Service
    Personal Service

    People-centric Banking

  • Minimum balance of Rs.1,00,000.

  • Quarterly average credit balance of Rs.2,50,000.

  • Free 600 cheque leaves every financial year.

  • 25 % of normal normal applicable charges for issue of PO/DD and money transfer via RTGS/NEFT.

  • 25% of normal applicable change on Outward Cheque Return & OBC charges.

  • Zero Account Maintenance Charges

  • No charges for Solvency Certificates and all other certificates.

  • Free Mobile banking and net banking facility.

  • SMS alerts for every transactions.

  • Private and Public Limited Companies.

  • Large Partnership Firms and LLPs.

  • Multi-State Co-operative Societies.

  • Established Manufacturers and Wholesalers.

  • Entity PAN Card and Registration/Incorporation Certificate.

  • MOA, AOA, and a specific Board Resolution authorising the opening of the Gold variant.

  • GST Registration and latest Income Tax Returns.

  • KYC (OVD and Photos) of all Directors, Partners, and Authorised Signatories.

  • What are the primary advantages of the Bharat Gold Account?
    It is designed to virtually eliminate transaction fees for high-volume users.
  • Are outstation cheque collections free?
    Yes, the Gold variant often includes specific waivers or significant discounts on outstation cheque collection charges.
  • Can I manage multiple business locations through one account?
    Yes, our "Any Branch Banking" allows your staff to deposit cash at any Bharat Bank branch nationwide.
  • Is there a limit on the number of users for Net Banking?
    We offer customizable user levels (Viewer, Preparer, and Authoriser) to suit your companyā€™s internal control policies.
  • Failure to Maintain Minimum Balance: Rs.100 once on every day of occurrence.
  • Cheque Book Charges: Rs.4 per cheque leaf beyond the first 600 leaves free leaving at the time of opening of the account.
  • Account Maintenance Charges: NIL
  • Cheque Return Charges: 25% of Rs.400 +21% p.a. on cheque amount subject to Rs.10+postage/courier charges, if any.
  • ECS Return Charges: 25% of Rs.100 +21% p.a. on ECS amount subject to Rs.10.
  • Stop Payment Instructions: Rs.50 per instrument subject to maximum of Rs.200.
  • Duplicate Statement of Account: Rs.60 for 40 entries or part thereof.
  • Purchase/discounting of Demand Draft: 25% of 0.50% commission subject o minimum of Rs.100+ interest @21% p.a. on discounted amount.
  • Temporary Overdraft per instance: 0.50% subject to minimum of Rs.200
  • Bulk Cash Deposit Charges:
    • Rs.200 per lakh (& thereafter Rs.3 per thousand or part thereof) in case of more than Rs.2 Lakh deposited in a day at the base branch.
    • Rs.300 per lakh (& thereafter Rs.5 per thousand or part thereof) in case of more than Rs.2 Lakh deposited in a day at the non-base branch
  • Account Closure: Rs.200 if closed after 30 days and within 12 months of opening.

Ā (Exclusive of GST)

  • Minimum balance of Rs.1,00,000.

  • Quarterly average credit balance of Rs.2,50,000.

  • Free 600 cheque leaves every financial year.

  • 25 % of normal normal applicable charges for issue of PO/DD and money transfer via RTGS/NEFT.

  • 25% of normal applicable change on Outward Cheque Return & OBC charges.

  • Zero Account Maintenance Charges

  • No charges for Solvency Certificates and all other certificates.

  • Free Mobile banking and net banking facility.

  • SMS alerts for every transactions.

  • Private and Public Limited Companies.

  • Large Partnership Firms and LLPs.

  • Multi-State Co-operative Societies.

  • Established Manufacturers and Wholesalers.

  • Entity PAN Card and Registration/Incorporation Certificate.

  • MOA, AOA, and a specific Board Resolution authorising the opening of the Gold variant.

  • GST Registration and latest Income Tax Returns.

  • KYC (OVD and Photos) of all Directors, Partners, and Authorised Signatories.

  • What are the primary advantages of the Bharat Gold Account?
    It is designed to virtually eliminate transaction fees for high-volume users.
  • Are outstation cheque collections free?
    Yes, the Gold variant often includes specific waivers or significant discounts on outstation cheque collection charges.
  • Can I manage multiple business locations through one account?
    Yes, our "Any Branch Banking" allows your staff to deposit cash at any Bharat Bank branch nationwide.
  • Is there a limit on the number of users for Net Banking?
    We offer customizable user levels (Viewer, Preparer, and Authoriser) to suit your companyā€™s internal control policies.

  • Failure to Maintain Minimum Balance: Rs.100 once on every day of occurrence.
  • Cheque Book Charges: Rs.4 per cheque leaf beyond the first 600 leaves free leaving at the time of opening of the account.
  • Account Maintenance Charges: NIL
  • Cheque Return Charges: 25% of Rs.400 +21% p.a. on cheque amount subject to Rs.10+postage/courier charges, if any.
  • ECS Return Charges: 25% of Rs.100 +21% p.a. on ECS amount subject to Rs.10.
  • Stop Payment Instructions: Rs.50 per instrument subject to maximum of Rs.200.
  • Duplicate Statement of Account: Rs.60 for 40 entries or part thereof.
  • Purchase/discounting of Demand Draft: 25% of 0.50% commission subject o minimum of Rs.100+ interest @21% p.a. on discounted amount.
  • Temporary Overdraft per instance: 0.50% subject to minimum of Rs.200
  • Bulk Cash Deposit Charges:
    • Rs.200 per lakh (& thereafter Rs.3 per thousand or part thereof) in case of more than Rs.2 Lakh deposited in a day at the base branch.
    • Rs.300 per lakh (& thereafter Rs.5 per thousand or part thereof) in case of more than Rs.2 Lakh deposited in a day at the non-base branch
  • Account Closure: Rs.200 if closed after 30 days and within 12 months of opening.

Ā (Exclusive of GST)