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Personal Banking

Last Updated on: 18/03/2023

IOB - SB Gold- II

IOB presents a unique high end SB product for professionals such as Doctors, Lawyers, CAs, Executives working in MNCs, software companies, High Networth individuals etc. We offer host of concessions under this product. All it requires is that you should maintain an average daily balance of not less than Rs.100000 over the last three months.


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 less than Rs.100000.


  • ATM cards 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.
  • Personalised 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
  • Online equity trading facility
  • Overseas Travel card free of charge

Sweep Facility:

  • If the quarterly average balance is between Rs 1,00,000 and above, the balance exceeding Rs1,25,000 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.
For any further details please feel free to contact our nearest Branch