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Personal Banking

Last Updated on: 18/03/2023

IOB - SB Gold- I

IOB offers a unique high end SB product for professionals like Doctors, Lawyers, CAs, Executives working in MNCs, Software Companies, High Net Worth Individuals etc. We offer discounts under this product. All it requires is that your average daily balance in the last three months is Rs. Should not be less than 50,000.


All individuals including professionals such as doctors, lawyers, C.A.S., Executives working in MNC, software companies, Public/private sector and business people, High Net Worth individuals, CEOs, IAS and IPS.


Quarterly average balance not be less than Rs.50000/-


  • ATM Card on day one
  • International Debit Card Issued without charges
  • Free Internet banking & Mobile Banking facility
  • Monthly account statements over E-mail
  • Free SMS alerts for daily transactions
  • Transfer of funds through RTGS without charges
  • Transfer of funds thro' NEFT without charges
  • Personalized cheque books with name printed free of cost
  • Personal Accident Insurance covers of Rs. Five lakhs free of cost
  • Demat account opening charges free
  • Online Tax payment free of cost
  • Online bill payment facility
  • Facility for Family Health Insurance

Sweep Facility:

  • If the quarterly average balance is between Rs. 50,000/- and Rs. 100000/-, the balance exceeding Rs. 65,000/- will be swept out and kept in TD in units of Rs. 2000/-. As and when the minimum balance goes down, the adequate units in TD will be closed and transferred to SB, on a last in -first out basis.