Premium Banking, Enhanced Value

Experience the prestige you deserve.

Our Bharat Gold account offers a sophisticated banking experience with mid-tier luxury benefits, including significant locker rent waivers and extended debit card fee exemptions. Enjoy a perfect balance of elite privileges and high liquidity, tailored for those who seek more from their primary savings partner. This account provides a reliable platform to manage your finances with ease, ensuring that your core banking needs are met with consistency.

  • Personal Service
    Personal Service

    People-centric Banking

  • Free Insurance
    Free Insurance

    Life & Accident Cover

  • Digital Services
    Digital Services

    Mobile Banking, UPI

  • Debit Card
    Debit Card

    Rupay Classic, Platinum

  • Minimum Balance(QAB): ₹25,000.

  • Benefit from a 50% waiver on the first-year rent for Type A and B lockers to keep your valuables secure.

  • Free Accidental Death and Disability cover (PMSBY) provided for the first year of account operation.

  • Manage your offline payments efficiently with 100 free cheque leaves provided every financial year.

  • Enjoy a 2-year waiver on Annual Maintenance Charges (AMC) for your premium Gold Debit Card.

  • Unlimited free transactions at any Bharat Bank ATM and other bank ATMs across the country.

  • NIL charges for the issuance of Demand Drafts and Pay Orders, making your big payments hassle-free.

  • Zero charges for online NEFT and RTGS transactions, ensuring your money moves at digital speed.

  • Enjoy a 75% discount (only 25% of normal charges) on Stop Payment instructions.

  • Resident Individuals (Singly or Jointly)

  • One latest passport size photograph.

  • PAN Card or Form 60.

  • Any one of - Aadhaar Card, Voter’s ID, Driving License, Passport, Job Card issued under MGNREGA or the new Viksit Bharat-G RAM G Act, Letter issued by the National Population Registrar.

  • What is the balance requirement for Bharat Gold? The Quarterly Average Balance (QAB) requirement for the Gold tier is ₹25,000.

  • Do I get a discount on lockers? Yes, Gold members are entitled to a 50% waiver on the first-year rent for Type A and B lockers.

  • How long is the Debit Card fee waived? The annual maintenance fee for your Gold Debit Card is waived for the first two years.

  • How many free cheque leaves do I get? You receive 100 free cheque leaves per year. For Senior Citizens, this limit is unlimited.

  • Are Demand Drafts free of cost? Yes, the issuance of Demand Drafts and Pay Orders is completely free for Bharat Gold holders.

  • Non-maintenance Penalty: 10% of shortfall (Minimum ₹10, Maximum ₹200).

  • Locker Rent Waiver (Type A/B): 50% for the 1st year.

  • Debit Card Annual Fee: NIL for the first 2 years; ₹250 p.a. thereafter.

  • Account Closure: NIL (if closed after 14 days of opening).