Bank of India

Bank of India - trusted banking partner

AI Score

75/100

Branches

5,100

ATMs

5,500

Digital Score

70/100

NRI Score

80/100

Overview

Bank of India is a public sector bank in India serving millions across 5,100+ branches. Our AI assigns an overall score of 75/100, balancing digital experience, service quality, NRI banking, and business banking strength.

Advantages

Wide branch network
Strong digital banking
Competitive interest rates

Disadvantages

Customer service queues during peak hours
Some hidden charges on premium accounts

Best For

Salaried professionalsFirst-time account holdersDigital-first customers

Charges Analysis

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Detailed Hidden Charges

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Product Portfolio

Savings Account

Salary Account

Current Account

Fixed Deposit

Recurring Deposit

Home Loan

Personal Loan

Credit Cards

User Reviews

"Smooth digital onboarding and reliable UPI."

- Rohan S.

"Good service, charges could be lower."

- Priya K.

"Best for salary account - instant credit and zero balance."

- Aditya M.

FAQs

What is the minimum balance for Bank of India savings account?

It varies by variant; typically ₹2,500 to ₹25,000 for metro branches.

Does Bank of India offer NRI services?

Yes - NRE, NRO and FCNR accounts are available with online onboarding.

What FD rates does Bank of India offer?

Current rates range 6.50% to 7.40% depending on tenure; seniors get +0.50%.

87% of Premium Members find better banking products in their first session.

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