Product Details
Bank Name
Indian Overseas Bank
Account Name
IOB - SB Gold I
Account Type
Saving
Interest Rate
Balance Upto Rs. 25 Lacs-2.75 ,Balance Above Rs. 25 Lacs upto Rs. 1 Crore-2.75 and Balance Above Rs. 1 Crore- 2.90
Free Debit Card
Yes
Account Opening Fees
Debit Card Charges
100
Annual Maintenance Fees
NEFT Charges
Free
Minimum Account Balance
Quarterly average balance not be less than Rs.50000/-
IMPS Charges
Upto 1 lakh -Rs 5 and above 1 lakh but less than 2 lakh-15
Fees and Charges of
IOB - SB Gold I
Special Features
Eligibility Criteria
Benefits
Features, Eligibility and Benefits of
IOB - SB Gold I
Pros & Cons of
Pros
- 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 through NEFT without charges.
- Personalized cheque books with name printed free of cost.
- Demat account opening charges free.
- Online Tax payment free of cost.
- Online bill payment facility.
- Facility for Family Health Insurance and Sweep Facility available.
Cons
IOB - SB Gold I
The account comes with low interest rate and offers average value add features.
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai
Review of
IOB - SB Gold I
Account Opening and Procedure of
How to open an Account?
Application Procedure
IOB - SB Gold I
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Public source: Original MyRupaya page
Captured 2026-11-06T10:51:16Z. Public page text has been preserved and restyled. Historical financial/product information may be outdated. Embedded widgets and forms are not copied or connected to live services.
