BOBOSR-1979 UPDATED 30.06.10.docx

BANK OF BARODA OFFICERS SERVICE CONDITIONS

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FOREWORD

AIBOBOA believes in equipping officers with knowledge about their service conditions and entitlements.

We are presenting an updated position covering the recent changes and improvements in our service conditions, benefits and facilities. The most significant is the Historic Settlement on Salary Revision and Second Option for Pension agreement signed between IBA & UFBU on 27.04.2010. One of the salient features of the Agreement is the provision to extend another option to join the existing Defined Benefit Pension Scheme to about 3,60,000 existing and retired workmen employees and officers.

At our Bank level in the recent past important policy decisions have been taken which have direct bearing on officers career viz: Transfer Policy for officers, Policy for selection of officers for overseas posting, HR Resourcing policy and a progressive Promotion Policy for officers offering opportunity for fastest career growth in the Banking Industry. A remarkable improvement has been achieved in areas like enhancement in loan limit and reduction of interest rate in Conveyance Loan and Housing Loan, increase in limit for Entertainment Expenses, Reduction of interest rate on staff Clean Overdraft facility.

This booklet contains gist of officers service conditions, perks and perquisites, Staff Welfare schemes, loan facilities and other related matters.

SL. NO.CONTENTS

1.SCALE OF PAY/FITMENT /STAGNATION

2. DEARNESS ALLOWANCE:

3. HOUSE RENT ALLOWANCE

4. CITY COMPENSATORY ALLOWANCE

5. FPP

6. PQP

7. MID ACADEMIC YEAR TRANSFER ALLOWANCE:

8. DEPUTATION ALLOWANCE:

9. HILL AND FUEL ALLOWANCE

10. SPECIAL AREA ALLOWANCE

11. PROJECT AREA ALLOWANCE

12. SPLIT DUTY ALLOWANCE

13. PROVIDENT FUND

14. NON REFUNDABLE WITHDRAWAL FROM PROVIDENT FUND

15. MEDICAL AID

16. HOSPITALISATION EXPENSES

17. MEDICAL CHECK UP SCHEME

18. EX-GRATIA MEDICAL AID:

19. HOUSING ACCOMMODATION

20. FURNITURE TO OFFICERS AT RESIDENCE

21. RECOVERY OF HOUSE / FURNITURE RENT

22. ENTERTAINMENT EXPENSES

23. REIMBURSEMENT OF CLUB MEMBERSHIP FEES

24. REIMBURSEMENT OF CONVEYANCE EXPENSES

25. HALTING ALLOWANCE

26. LODGING EXPENSES

27. TRAVELLING EXPENSES FOR TRAVEL IN OWN VEHICLE FOR OFFICIAL DUTY:

28. REIMBURSEMENT OF CONVEYANCE ON TRAINING

29. DISCOMFORT ALLOWANCE

30. HOUSE MAINTENANCE ALLOWANCE

31. KIT ALLOWANCE

32. PROVISION OF NEWS PAPER & BOOK FACILITY TO OFFICERS

33. BRIEF CASE TO OFFICER:

34. COMPENSATION ON TRANSFER

35. EXPENSES ON TRANSFER:

36. HALTING ALLOWANCE

37. MODE OF TRAVEL AND EXPENSES ON TRAVEL

38. JOINING TIME ON TRANSFER

39. LEAVE TRAVEL CONCESSION

40. FESTIVAL ADVANCE TO OFFICERS

41. VARIOUS STAFF LOANS:

42. CLEAN OVERDRAFT FACILITY FOR STAFF MEMBERS

43. STAFF HOUSING LOAN / CONVEYANCE LOAN

44. HOUSING LOAN TO STAFF UNDER PUBLIC SCHEME

45. AVAILMENT OF LOANS FORM OUTSIDE SOURCES

46. SCHEME FOR ENCOURAGING EMPLOYEES TO

PURSUE PROFESSIONAL AND COMPUTER EDUCATION,

47. PREFERENTIAL INTEREST RATES ON DEPOSITS

48. ISSUANCE OF BOBCARD

49. ONLINE TRADING FACILITY

50. ONLINE PROMOTION TEST

51. REIMBURSEMENT OF KIT ALLOWANCE FOR OVERSEAS VISITS

52.PAYMENT OF HALTING /DIEM ALLOWANCES TO EXPATRIATE OFFICER/OFFICERS

53.SILVER SALVER SCHEME

54. LEAVE

55. UNAUTHORISED ABSENCE

56 SANCTION OF LEAVE AND PERMISSION TO GO ABROAD AND ISSUE OF NO OBJECTION CERTIFICATE FOR OBTAINING/RENEWING PASSPORT

57. COMPENSATORY LEAVE

58. SCHEME FOR GRANT OF SABBATICAL LEAVE TO EMPLOYEES

59. PROMOTION POLICY

60. ASSETS LIABILITY RETURN

61. TERMINAL BENEFITS

62.ENCASHMENT OF PRIVILEGE LEAVE ON RETIREMENT

63.ADDITIONAL RETIREMENT BENEFIT

64. PRE-MATURE RETIREMENT OF OFFICER

65. SCHEME FOR PAYMENT OF EX-GRATIA

FINANCIAL RELIEF/APPOINTMENT

66. ISSUANCE OF SERVICE CERTIFICATES TO RETIRED EMPLOYEES

67. STAFF WELFARE

68. BANK OF BARODA CONTRIBUTORY MEDICAL ASSISTANCE SCHEME FOR RETIRED EMPLOYEES

69. HELP DESK FOR RETIRED EMPLOYEES

70. BARODA SUJHAV STAFF SUGGESTION SCHEME

71. PARAMARSH- THE CENTER FOR PERSONAL COUNSELLING

72. SAMPARK THE SOS HELPLINE FOR EMPLOYEE

73. IDEA ONLINE

74. HUMAN RESOURCE NETWORK FOR EMPLOYEE SERVICES

75.PERQUISITES TO CHIEF MANAGER SMG/S IV

76. DISCIPLINARY MATTERS

77. TRANSFER POLICY

78.INCOME TAX ON PERQUISITES CONCESSIONAL RATE OF INTEREST ON STAFF LOANS

79.INTRODUCTION OF A NEW EMPLOYEE PERFORMANCE MANAGEMENT SYSTEM(EPMS) 80.POLICY FOR OVERSEAS POSTING

81.SCHEME FOR LEGAL & FINANCIAL SUPPORT

82.HR RESOURCING POLICY

83.SCHEMES MANAGED BY ASSOCIATION

84. SCHEME FOR RESERVATION OF BEDS IN HOSPITALS SITUATED AT

ZONAL CENTRES

85. LIST OF HOLIDAY HOMES

OFFICERS SERVICE CONDITION IN BANK OF BARODA

Service Conditions of officers in BANK OF BARODA is governed by BANK OF BARODA (OFFICERS) SERVICE REGULATION 1979

Refer Book of Instruction volume No. 13

Officers Employees conduct, Discipline and Appeal are regulated by BANK OF BARODA OFFICER EMPLOYEES (Conduct) REGULATIONS 1976 & BANK OF BARODA OFFICER EMPLOYEES (Discipline and Appeal) REGULATION 1976.

The details of above are recorded in our Head Office publication no. 76.

1. SCALE OF PAY (w.e.f 01/11/2007) BCC/BR/102/147 Dated 26.05.2010:

Scale I = Rs. 14500 -600 /7 - 18700 - 700/2 - 20100 - 800/7 - 25700

Scale II = Rs. 19400 - 700/1 - 20100 - 800/10 - 28100

Scale III = Rs.25700 - 800/5 - 29700-900/2 - 31500

Scale IV = Rs.30600 - 900/4 - 34200- 1000/2 36200

Scale V = Rs.36200- 1000/2 38200- 1100/2- 40400

Scale VI = Rs.42000 1200/4 46800

Scale VII= Rs.46800 1300/4 52000

Fitment :

Fitment shall be stage to stage i.e. on corresponding stages form Ist stage onwards and the increments shall fall on the anniversary date as usual.

For details refer Salary revision circular No. BCC:BR:102/147 Dated 26.05.2010 applicable w.e.f 01.11.2007

Stagnation :

a Officers in JM Grade Scale I who have moved to scale of pay for MMG Scale II in terms of regulation 5(b) after reaching maximum of the higher scale shall be eligible for four stagnation increments for every three completed years of service of which first two shall be Rs.800 each and next two Rs.900/ each.

Provided that officers who have completed three years or more after receipt of the second stagnation increment as on 01.11.2007 will get the third stagnation increment on 01.11.2007 and another stagnation increment on or after 01.11.2008 on their completion of six years after receipt of second stagnation increment.

b Officers in MMG/S II who have moved to scale of pay for MMG/S III in

Terms of Regulation 5(b) after reaching maximum of higher scale shall be eligible for three stagnation increments of Rs.900/- each for every three completed years of service.

Provided that officers who have completed three years or more after receipt of the first stagnation increment as on 01.11.2007 will get the next stagnation increment with effect from 01.11.2007 and a subsequent stagnation increment on or after 01.11.2008 on their completion of six years after receipt of the first stagnation increment.

Provided further those officers in substantive MMG/S III i.e. those who are recruited in or promoted to MMG/S III shall be eligible for four stagnation increments of Rs.900/- each for every three completed years of service. Those who have already received two stagnation increments and completed more than three years of service after receipt of second stagnation increment as on 01.11.2007 will get the third stagnation increment on 01.11.2007 and the fourth stagnation increment, on or after 01.11.2008 on their completion of six years after receipt of second stagnation increment.

2. Dearness Allowance:

On and from 01.11.2007,, Dearness Allowance shall be payable for every rise or fall of 4 points over 2836 points in the quarterly average of the All India Average Working Class Consumer Price Index (General) Base 1960 = 100 at 0.15 % of Pay.

3. House Rent Allowance (w.e.f 01/11/2007)

i)

Major A Class Cities and Project Area Centres in Group A

8.5 % of Pay

ii)

Other places in Area I and Project Area centres in Group B

7.5 % of Pay

iii)

Other Places

6.5 % of Pay

Provided that if an officer produces a rent receipt, the House Rent Allowance payable to him / her shall be the actual rent paid by him/her for the residential accommodation in excess over 1.20 % of pay in the first stage of the Scale of Pay in which he / she is placed with a maximum of 150 % of the House Rent Allowance payable as per aforesaid rates mentioned in Column II above.

Note: The claims of officer employees for House Rent Allowance linked to the cost of their ownership accommodation shall also be restricted to 150 % of House Rent Allowances as hitherto.

4. City Compensatory Allowance (w.e.f 01.11.2007):

Area

Rate

Maximum Amount

i

Places in Area I and in the State of Goa

4 % of Basic Pay

Rs. 540 /- p.m.

ii

Places with population of five lakhs and over and State Capitals and Chandigarh, Pondicherry and Port Blair

3 % of Basic Pay

Rs. 375/- p.m.

5. FPP: (w.e.f. 01.11.2007)

On and from 1st November 2007 FPP together with HRA shall be at the following rates and shall remain frozen for the entire period of service.

Increment component

D.A. As on 01.11.2007

Total FPP payable where banks accommodation is provided

(A)

(B)

(C)

800/-

58/-

858/-

900/-

65/-

965/-

1000/-

72/-

1072/-

1100/-

79/-

1179/-

1200/-

86/-

1286/-

1300/-

94/-

1394/-

Note : (i) FPP as indicated in C above shall be payable to those officer employees who are provided with banks accommodation.

(ii) FPP for officers eligible for HRA shall be A + B plus HRA payable on the last increment of the relevant scale of pay..

(iii) The increment component of FPP shall rank for superannuation benefits.

6. PQP (w.e.f 01/11/07) :

(A) Officers shall be eligible for professional qualification pay as under :

(i) Those who have passed only CAIIB - Part I / JAIIB

Rs. 410/- p.m. one year after reaching top of the scale

(ii) Those who have passed both parts of CAIIB -

(a) Rs. 410/- p.m. one year after reaching top of the scale

(b) Rs. 1030/- p.m. two years after reaching top of the scale

(B) An officer employee acquiring JAIIB/CAIIB (either or both parts) qualifications after reaching the maximum of the scale of pay, shall be granted from the date of acquiring such qualification the first installment or PQP and the release of subsequent installments of PQP shall be with reference to the date of release of first installment of PQP.

Provided further that in a case where an officer, as on the date of this Joint Note, has already acquired any of the above said qualifications and has not earned any

Increment or PQP on account of acquiring such qualification/s, he may be, with effect from 1st November,2007 or the date of acquiring such qualification/s, which ever is later , released PQP as provided herein above.

7. Mid Academic year transfer allowance:

W.e.f 01.05.2010 it is payable @ Rs.700/- per month subject to other conditions.

8. Deputation Allowance:

On and from 1st May 2010, Deputation Allowance shall be at the following rates :

A)An officer deputed to serve outside the bank - 7.75% of pay with a maximum of Rs2300/- p.m.

B)An officer deputed to an organization at the same place or to the training establishment of the bank - 4% of Pay with a maximum of Rs 1200/- p.m.

9. Hill and Fuel Allowance (w.e.f. 01/11/2007):

Place

Rate

a

Place with an altitude of 1000 meters and above but less than 1500 meters and Mercara Town

2% of Pay subject to a maximum of Rs 550/- p.m.

b

Place with an altitude of 1500 meters and above but less than 3000 meters

2.5% of Pay subject to a maximum of Rs 680/- p.m.

c

Places with an altitude of 3000 meters and above

5% of Pay subject of a maximum o Rs 1570/- p.m.

10. Special Area Allowance (w.e.f. 01/11/2007):

At places where special area allowance is payable in terms of regulation 23(ii) of Officers Service Regulations, 1979/1982, the said allowance shall be payable at rates as specified in BCC:BR:102/147 dated 26.05.2010.

11. Project Area Allowance(01.11.2007)

Project Area Compensatory Allowance shall be payable at the

following rates:

Project Areas falling in Group A - Rs 290/- p.m.

Project Areas falling in Group B - Rs 255/- p.m.

12. Split Duty Allowance01.11.2007)

Split Duty Allowance shall be payable at Rs 165/- p.m.

13. Provident Fund (w.e.f. 01/11/2007):

(a) While the officers who are presently covered under the Pension Scheme and those who will join the Pension Scheme in terms of option being made available under joint note dated 27th April,2010 shall continue to contribute 10% of the pay towards Provident fund, there shall be no matching contribution.

(b) Officers who are presently covered under Contributory Provident Fund Scheme who do not opt for Pension Scheme being made available under Joint Note dated 27th April,2010 shall continue under the contributory Provident Fund Scheme as hitherto.

There shall be no Provident Fund to officers joining the services of banks on or after 1st April,2010. They shall be covered by a Defined Contributory Pension Scheme, where the officer will contribute 10% of pay plus Dearness Allowance and the Bank of Baroda will make a matching contribution. The scheme shall be

Governed by the provisions of the Contributory Pension Scheme as introduced for employees of Central Government w.e.f. 1st January 2004 and modified from time to time.

Pension :

All existing officers who have joined Bank of Barodas service prior to 01.04.2010 and who have not opted for pension earlier, can exercise their option for Pension scheme under Bank Employees Pension Regulation, 1995 dated 29th September 1995/26th March1996.

1 The terms of the Bank Employees Pension Regulation,1995 dated 29th Sept.1995/26th March1996 shall not apply to the officers who join the services of Banks on or after 1st April 2010; and they will be covered by Defined Contributory Pension Scheme, which shall be governed by the provision of the Contributory Pension scheme introduced for officers of the

Central Govt. w.e.f. 01.01.2004.

2 With effect from 1st May 2005, the pension of officers who retired or died while in service during the period 1st April 1998 to 31st Oct.2002 will be re-fixed based on the definition of Pay as defined in clause 5 of the joint Note dated 14th Dec.1999. No arrears of pension and commuted value of

Pension will be payable on account of such re-fixing of pension.

3 With effect from 1st May 2005, the pension of officers who retired or died

While in service during the period 1st November 2002 to 30th April 2005 will be re-fixed based on the definition of Pay as defined in clause 6 of the Joint Note dated 2nd June 2005. No arrears of pension or commuted value of pension will be payable on account of such re-fixation of pension.

Implementation of Defined Contributory Retirement Benefit Scheme (DCRBS) instead of the present Defined Benefit Pension Scheme for those who are joining the services of the Bank on or after 01.04.2010 : (Circular BCC:BR:102/96 dated 25.03.2010)

The scheme shall be one as governed by the Contributory Pension Scheme introduced for employees of central Government w.e.f. 1st January 2004.

14 Non refundable withdrawal from Provident fund

All confirmed employees and regular member of PF Trust of the Bank who have

Completed 10 years of Service and against whom no disciplinary action has been initiated /pending as on date of application. Purpose and quantum of non-refundable withdrawal are

Purpose

Limit for non refundable withdrawal of Provident Fund

For meeting the expenses in connection with the marriage of children

-6- months grow salary subject to maximum of 50% of Members own contribution towards PF/VPF

For meeting the cost of Higher Education of dependent children

Estimated expenses for complete course or 50% of Members own contribution towards PF/VPF(which is less)

Reference Circular No.HO:BR:100/130 dated 26.08.2008

15. Medical Aid ( w.e.f. 01.11.2007)

On and from Ist Nov. 2007, reimbursement of medical expenses shall be as under:

A) Officers in JMG & MMG Scales - Rs. 5100/-p.a.

B) Officers in SMG & TEG Scales - Rs. 6320/- p.a.

16. Hospitalization Expenses ( w.e.f. 01.05.2010)

It shall be in terms of the Hospitalization Scheme laid down under Bipartite settlement dated 27th April, 2010 for workmen employees, subject to following limits: -

Scale

Limits

A) JMG/S I and MMG/S II & III

(i) Bed charges

Self - Rs 700/- per day

Family _ Rs.525/- per day

(ii) Other charges -

At the scale of 125% of the limits laid down under the hospitalization Scheme applicable to workmen employees.

SMG/S IV

(i) Bed charges:

Self - Rs. 900/- per day

Family - Rs 675/- per day

(ii) Other charges - At the scale of 150% of the limits laid down under the hospitalization scheme applicable to workmen employees

For other charges refer to circular No. BCC/BR/102/147 dated 26.05.2010.

Medical expenses incurred in following disease, which need domiciliary treatment shall be deemed as hospitalization expenses for reimbursement from the bank -Cancer, Leukemia, Thalassemia, Tuberculosis, Paralysis, Cardiac Ailment, Pleurisy, Leprosy, Kidney ailment, Epilepsy, Parkinsons Disease, Psychiatric disorder, Diabetes, Hepatitis-B, Hepatitis-C, Hemophilia, Myasthenia gravis, Wilsons disease, Ulcerative Colitis, Epidermolysis bullosa, Venous Thrombosis (not caused by smoking), Aplastic Anemia, Psoriasis and Third Degree Burns.

Besides above special packages are also reimbursed by the bank to the extent of entitlement for getting specialized treatment for diseases pertaining to heart, kidney, coronary etc.

Ambulance charges from residence to hospital and back or from one hospital to another is reimbursable in full.

Actual expenses incurred on conveyance by mode other than ambulance shall be reimbursed subject to the maximum as under:

(i)By public taxiActual subject to maximum Of Rs 150/- per trip.

(ii)By auto rickshawActual subject to maximum Of Rs 75/- per trip.

Bank do also provide Wall-in Walk-out facility in some specified hospitals at major centers in India Like Delhi, Mumbai, Ahmedabad, Jaipur, etc. keeping reserved bed for employees and their dependent family members.

AT Patna arrangement of hospital beds for staff and their eligible dependents on actual occupancy basis under Walk-in-Walk-out facility is made at Magadh Hospital, Patna. (Refer R.O. circular RO/BIHAR/HRM/W-1/3151 dated 04-09-2006.

Bank does also provide reimbursement of Hospitalization Expenses incurred on treatment abroad in exceptional cases for the ailments for which treatment in India is not yet widely established.

17. Medical Check up scheme for the employees of 45 years of age and above.

Full time confirmed employees of 45 years of age and above are eligible for medical check up once in 2 years in the approved diagnostic centre. Maximum amount payable for medial check up is Rs.1000/-. In Bihar Region following 2 centres are identified.

(i) M/s Harsh Advance Diagnosis and Research Centre, Patna.

(ii) M/s Apollo Clinic,Patna.

18. Ex-gratia Medical Aid:

For details refer to HO/BR/95/112 dated 12.06.2003 & HO/BR/96/174 dated 23.08.2004. The Ex-gratia Medical Aid Scheme has been rationalised. A maximum cap of expenditure has been specified for amount reimbursed under BPS/BOBSOR and Exgratia Medical Aid taken together. Ex-gratia Medical Aid will be sanctioned only for serious ailments (specified) involving high cost. For any Life threatening ailment, which is not specified, sanction to be obtained from GM/DGM (HRM), BCC, Mumbai.

19. Housing Accommodation :

Housing Accommodation is provided to officers on lease basis with following ceiling w.e.f 01.11.2007 (BCC/BR/99/335 Dated 03/11/07):

City ClassDelhi &Major A Area I Area II Other

Mumbai Centers

Scale I60005000450032002500

Scale II 70006000500035003000

Scale III75006500550040003500

Scale IV100008000700055003500

Bank provides payment of maximum 6 months rent as refundable deposit to landlords, wherever required. Refer HO/BR/95/57 dated 29.03.2003.

20. Furniture to Officers at Residence :

All officers who live in accommodation owned by the bank, leased to the bank or leased in the name of the officer and reimbursement by the bank are eligible to avail this facility subject to limits as under

Scale I - Rs.20000/-Scale II - Rs.30000/-

Scale III - Rs.35000/-Scale IV - Rs.55000/-

For details refer to BCC/BR/95/199 dated 30.06.2003.

21. Recovery of House / Furniture Rent (w.e.f. 01/11/07):

I. House Rent recovery shall be @ 1.20% of the first stage of the scale of pay in which officer is placed or the standard rent for the accommodation, whichever is less. Reference BCC/BR/98/17 dated 30.01.2006.

Rates for Standard Rent applicable as on date are as under :

S. No

Range of Living Area ( in sq. mt.)

Standard Rent (Rs.)

1

Up to 50

183

2

51 to 60

241

3

61 to 75

279

4

76 to 90

387

5

91 to 105

520

6

106 to 120

632

7

121 to 150

773

8

151 to 180

924

9

181 to 225

1087

10

226 to 300

1557

11

301 to 400

1924

12

401 to 550

2290

13

Beyond 551

2672

( 1 sq. mt. = 10.76 sq. ft.)

II. Furniture rent recovery shall be @ 0.25% of the first stage of the scale of pay in which officer is placed.

22. Entertainment Expenses (BCC:BR/102/169 dated 22.06.2010)

The revised rate as under is payable from financial year 2010-11 :

Scale

Officers at Administrative office & Branches(Rs./p.a.)

Branch Head

Existing

Revised

Existing

Revised

JMG/S I

3600

4600

4200

5200

MMG/S II

4200

5200

4800

5800

MMG/S III

4800

5800

5400

6400

5400*

6400*

SMG/S IV & V

6000

7300

6000

7300

TMG/S VI & VII

15000

16500

15000

16500

The reimbursement is to be made to the officers proportionately on quarterly basis, on submission of declaration.

At very large and exceptionally large branches.

23. Reimbursement of Club membership fees:

Following amount is reimbursable:

Admission feesEntitlement (Rs)

All Officers3000/-

Subscription feeAnnual Ceiling (Rs)

(A) Branch Managers

Exceptionally Large Branches2700/-

Very Large Branches2400

Large Branches2100

Medium Branches1800

Small Branches1500

(B) Others

TEG/S VI & VII3000

SMG/S V2400

SMG/S IV2100

MMG/S III1800

MMG/S II1500

JMG/S I1200

24. Reimbursement of Conveyance Expenses:

All officers are entitled to get reimbursement of conveyance expenses. Reimbursement of conveyance expenses is made to officers as per actual expenses incurred by them and so declared while claiming reimbursement or the monthly limits as specified under the scheme whichever is lower (Refer BCC:BR:101/57 dated 20.02.2009.

Claim can be made within 3 months from the month it become due on declaration basis. The limit to the monetary entitlement of the officers calculated on the basis of the high octane petrol rate (premium, power etc) prevailing on the last day of the month for the eligible litres of petrol.

A Scheme I

This scheme would be applicable to the officers who do not own a vehicle

Sl.NO.

Scale

Amount for all areas (Rs.)

1

SMG/S IV

600

2

MMG/S III

500

3

MMG/S II

400

4

JMG/S I

350

B Scheme II

This Scheme would be applicable to the officers who own a vehicle

Scale

Major A class cities

2-wheeler Car

Area I

2-wheeler Car

Area II

2-wheeler Car

Area III

2-wheeler Car

I*

35 35

30 30

25 25

20 20

II

35 35

30 30

25 25

20 20

III

35 70

30 60

25 50

20 40

25. Halting Allowance ( w.e.f. 01/05/2010 ):

Grade / Scale

Major A class cities (Rs)

Area I (Rs)

Other places (Rs)

Scale I, II and III

800/-

700/-

600/-

Scale IV and above

1000/-

800/-

700/-

Provided that in the case of officers in Scale IV and above , halting allowance payable per diem while on outstation work at the four metros, viz. Delhi, Mumbai,Kolkata and Chennai, shall be Rs.1200/- and for officers in Scale I/II/III Rs.1000/-

26. Lodging Expenses: (BCC:BR:100/248 Dated 11.09.2008 w.e.f.01.09.08)

Maximum room tariff permissible (excluding taxes)

Eligibility to stay

Major A class cities

Area I

Other places

Scale IV

3* Hotel

5000

3400

3000

Scale II & III

2*Hotel (Non-Ac)

3400

2600

2200

Scale I

1* Hotel (Non-Ac)

2600

2220

1800

As per BR: HRM: M-35/3795 Dated 19.11.2004 Area Classification for halting allowances is as under:

Major A Class Cities : Greater Mumbai, Kolkatta , Delhi , Chennai, Ahmedabad, Bangalore, Hyderabad.

Area I Cities : Places with population of 12 lacs & above - Patna, Pune , Nagpur, Kanpur , Surat , Jaipur , Lucknow , Visakhapattnam , Baroda , kochi, Indore, Bhopal, Ludhiana , Coimbatore, Madurai , Agra, Varanasi

Other Places: Places other than Major A Class & Area I cities.

Other conditions

When food bill and Hotel bill both produced : Diem Allowance

When only Hotel bill produced : of Diem Allowance

When only food bill produced : of Diem Allowance

When no food bill / Hotel bill produced :Full Diem Allowance

For major A class cities executives may be reimbursed actual lodging expenses maximum to the extent of 150% of the applicable ceiling.

27. Traveling Expenses for Travel in Own Vehicle for Official Duty:

The following rates are applicable for reimbursement of traveling expenses for travel in own vehicle for official duty, shifting of own vehicles by road on transfer & for availing LTC (For details refer HO/BR/96/60 dated 11.03.2004):

Sr. No.

Type of Vehicle

Reimbursement Rate per K.M.

1

Four wheeler - Engine capacity of 1000 cc or more

Rs 5.80

2

Four wheeler - Engine capacity of less than 1000 cc

Rs 4.60

3

Motor cycle and scooter

Rs 2.80

4

Mopeds

Rs 2.00

For use of own vehicle, prior permission of competent authority is required.

28. Reimbursement of conveyance on Training : Non residential training programme (Circular No.BCC:BR:102/168 dated 22.06.2010) w.e.f. 01.07.2010

Reimbursement of conveyance on training to non residential training programmes are as under :

Centre

Existing

Revised

Mumbai,Delhi,Kolkata,Chennai

Bangalore,Hyderabad,Ahmedabad

Actual expenses

Subject to Rs.80 per working day

Actual expenses subject to Rs.125 per working day

At all other centres

Actual expenses

Subject to Rs.50 per working day

Actual expenses

Subject to Rs.75 per working day

29. Discomfort Allowance

Officers working in 8 a.m. to 8 p.m. branches and attending office in shifts only are eligible to get Discomfort Allowance w.e.f 08.01.08 @ Rs. 75/- per day as per administrative guidelines.

30. House Maintenance Allowance

Officers who have occupied Banks house or leased house of Bank, are entitled to get House Maintenance Allowance as under for the Financial Year 2007-08, w.e.f 01.02.2008 on self declaration basis (BCC/BR/100/26 Dated 30.01.2008):

S.No

Grade/Scale

Amount (Rs)

1.

Officer in scale JMG/S-I

500/- p.m.

2.

Officer in scale MMG/S-II

600/- p.m.

3.

Officer in scale MMG/S-III

700/- p.m.

Officers who have acquired house on leased in personal name as per Banks Scheme, are entitled to get House Maintenance Facility as under for the Financial year 2008-09 w.e.f. 01.02.09 on self declaration basis (BCC/BR/101/53 dated 13.02.2009

Sl.NO.

Grade / Scale

Amount (Rs.)

1

Officers in Scale JMG/S I

300/- p.m.

2

Officers in Scale MMG/s II & III

400/- p.m.

3.

Officers in Scale SMG/S IV

500/- p.m

The above facility shall be extended to officers on Bank of Baroda achieving net profit of rs.1000/- crore or more. Facilities are on annual basis and subject to review every year after finalization of Annual Results.

31. Kit Allowance

Branch heads are entitled to get Kit Allowance as under for the Financial Year 2007-08, w.e.f 01.02.2008 on self declaration basis (BCC/BR/100/26 Dated 30.01.2008):

S.No

Grade/Scale

Amount (Rs)

1.

Branch Heads at Metro Centres

5000/- p.a.

2.

Branch Heads at Urban Centres

3500/- p.a.

3.

Branch Heads at Rural/Semi Urban Centres

2000/- p.a.

The above facility shall be extended to officers on Bank of Baroda achieving net profit of rs.1000/- crore or more. Facilities are on annual basis and subject to review every year after finalization of Annual Results.

32. Provision of News Paper & Book Facility to officers BCC:BR:101/129 dated 29.04.2009.

One news paper (Financial/Non-financial) on monthly basis is provided to officers in Scale I, II , III and 85% of the cost is reimbursable by Bank of Baroda.

Executive )SMG/S IV) : 3 News papers and 3 periodicals*

(* on commerce, management, agriculture, banking, economics or computers/information technology)

Reference BCC:BR:100/207 dated 25.07.2008

Taking a notional value for the price of 1 new paper and 1 periodical, the following annual ceilings are now stipulated for officers/executives for reimbursement under this head.

Scale of officers/Executives

Existing Entitlement

Approved monetary ceilings

Books(p.a) Newspapers/

Periodicals

(p.m)

Yearly Combined

Entitlement entitlement

(News Papers/ of Books + News

Periodicals) papers/periodical

(p.a)

JMGS I

1000 1 daily news paper

1800 2800

MMG/S II

1500 1 daily news paper

1800 3300

MMG/S III

2000 1 daily news paper

1800 3800

SMG/S IV

2500 3 daily news papers

+ 3 periodicals

9000 11500

SMG/S V

2500 3 daily news papers

+ 3 periodicals

9000 11500

TEG/S VI

3000 3 daily news papers

+ 3 periodicals

9000 12000

TEG/S VII

5000 3 daily news papers

+ 3 periodicals

9000 14000

33. Brief case to Officer:

One brief case with a cost ceiling of Rs. 1500/- (including tax) can be claimed by every officer in Scale I, II and III, once in two years on declaration basis w.e.f. 01.03.08 (Reference BCC:BR:100/67 dated 10.04.2008).

Executive in Scale IV can claim one brief case with a cost ceiling of rs.2000/- once in two years and one executive attach with a cost ceiling of Rs.4000/- once in three years.

34. Compensation on Transfer ( BCC:BR:101/129 dated 29.04.2009 :

An officer on transfer will be eligible to draw a lump sum amount, as indicated below, for the expenses connected with packaging, local transport, insurance etc.

S. No

Grade / Scale

Amount (Rs)

1.

Junior & Middle Management.

15000/-

2.

Senior & Top Management

20000/-

35.. Expenses on Transfer:

An officer on transfer will be reimbursed his expenses for transporting his baggage by goods train up to the following limits: -

Pay Range

Where an officer has family

When an officer has no family

Rs 10000/-pm to Rs 13820/-pm

3000 Kgs.

(3 tonnes)

1500 Kgs.

(1.5 tonnes)

Rs 13821/- pm and above

Full Wagon(12 tonnes/120 quintals)

2500 Kgs.

(2.5 tonnes)

Where an officer on transfer transports his baggage by Lorry, for the purpose of reimbursement of actual charges, the maximum Limit in cases where full wagon is applicable shall normally be 60 quintals by goods train. However, where the expenses incurred are beyond such maximum, the bank may, keeping in mind the hardship involved to the officer concerned, reimburse the actual expenses incurred on the basis that the maximum charges for transport of goods in an -8- wheeler wagon would be 120 quintals provided the baggage is transported through approved transport operators. Reimbursement of expenses would be made at following rates :

S No.

Distance in Kilometers

Rates per tonne*, per Km.

1.

Up to 2000 Kms.

Rs 2.80

2.

Beyond 2000 Kms.

Rs 1.40

Note: The above rates do not apply on a slab basis.

One Tonne = 1000 Kgs

Reference BCC:BR:101/129 dated 29.04.2009.

36. Halting Allowance :

In terms of the guidelines from the Govt. Of India, reimbursement of maximum 15 days halting allowance is permissible in case no residential accommodation is made available by the bank to officer at the new place of posting.

37. Mode of Travel and Expenses on Travel( w.e.f. 01.05.2010)

The following provisions shall apply wherever an officer is required to travel on duty :

I An officer in JMG is entitled to travel by Ist class or AC 2 - tier sleeper by train. He may, however, travel by air (economy class) if so permitted by competent authority, having regard to the exigencies of business or public interest.

II An officer in MMG is entitled to travel by Ist class or AC 2 - tier sleeper by train. He may, however, travel by air (economy class) if the distance to be covered is more than 1000 kms. May travel for shorter distance if so permitted by competent authority.

III An officer in Senior management is entitled to travel by AC Ist class by train or air (economy class)

IV Any other officer may be authorized by the Competent Authority, having regard to the exigencies of business, to travel by his own vehicle or by taxi or by the Bank of Barodas vehicle.

38. Joining Time on Transfer:

I An officer shall be eligible for joining time on one occasion, not exceeding seven days, excluding the number of days spent on travel.

II An officer may be permitted to avail joining time in maximum two installments provided he avails the same within 12 months from the date of his reporting to the new place of posting and the total joining time does not exceed 7 days. On both the occasion the joining time should be for the purpose of shifting family / goods and other incidental activities connected with shifting / transfer and not any other purpose.

III Officer is eligible for diem allowance for the period of days spent on travel when he is reporting for the first time to the new place of posting.

IV No joining time is admissible when an officer on transfer does not shift their residence to the new place of posting. Refer to circular CO/BR/95/145 dated 21.04.2003.

39. Leave Travel Concession(w.e.f. 01.05.2010)

During each block of 4 years an officer shall be eligible for leave travel concession for travel to his place of domicile once in each block of two years. Alternatively, he may travel in one block of two years to his place of domicile and in another block of two years to any place in India by the shortest route.

I The mode and class by which an officer may avail LTC shall be same as the officer is normally entitled to travel on transfer and other terms and conditions subject to which the LTC may be availed of by an officer, shall be as decided by the Board from time to time. Provided that w.e.f. 01.05.2010 an officer in JMG/S I while availing LTC will be entitled to travel by air in the lowest fare of economy class in which case the reimbursement will be the actual fare or the fare applicable to AC 1st Class fare by train for the distance traveled whichever is less. The same rules shall apply when an officer in MMG/S II and MMG/S III while availing LTC where the distance is less than 1000 kms.

II LTC encashment -- An officer by exercising option any time during a 4 year block or two year block surrender and encash his LTC (other than travel to place of domicile) upon which he shall be entitled to receive an amount equivalent to 75% of the eligible fare for the class of travel by train to which he is entitled up to a distance of 4500 kms (one way) to and fro journey total 9000 kms for officers in JMG Scale I and MMG Scale II & III and 5500 kms (one way) to and fro journey total 11000 kms for SMG IV and above. For encashment of LTC facility the entitled class of travel by train by officers in JMG and MMG may be taken as AC II Tier sleeper. I AC II Tier fare for 4500km is ` 2596.00 as on 01/07/2011

III An officer in Senior Management or Top Executive Grade is entitled to travel by AC Ist class by train or by Air (economy class).

IV The facility of encashment of privilege leave while availing of Leave Fare Concession is also available while encashing the facility of LFC.

V Definition of family: For the purpose of LTC concession Family of an officer shall mean an officers spouse, wholly dependent unmarried children (including dependent step children and legally adopted children), physically challenged brother/sister with 40% or more disability, and wholly dependent parents ordinarily residing with and wholly dependent on the officer.

The term wholly dependent child/parent shall mean such member of

family having a monthly income not exceeding of Rs. 3500/ p.m..

If the income of one of the parents exceeds Rs.3500/- p.m. or

the aggregate income of both the parents exceeds Rs.3500/- p.m,

both the parents shall not be considered as wholly dependent on

the officer.

VI Please note that LTC for travel to the place of domicile (Home Town) is not encashable. Railway grant concessional fare to Senior Citizens of 60 year of age and above, hence encashment will be considered on the basis of concessional fare only.

VII.If an officer eligible to travel by air on LTC traveled by Air)economy class), the economy air fare should be taken into account for reckoning the entitlement, irrespective of the fact whether the airline allowed any complimentary facility, including visit to an overseas place, within the economy class fare. However, on traveling by apex /concessional fare, which is normally less than the economy fare, the eligibility would be actual fare.(Refer Circular No.BCC:BR:101/133 dated 05.05.2009).

40. Festival Advance to officers:

An officer is eligible for Festival advance up to one month emoluments or maximum Rs.30000/- in one calendar year w.e.f 28.01.2009. Refer BCC/BR/10/38 dated 04.02.2009.

41. Various Staff Loans:

Refer to Master circular No BCC/BR/97/103 dated 20.04.2005 for all Staff Loans excluding Staff Housing Loan and Clean Overdraft facility for staff.

a) Take over of educational loan availed by Campus Recruitees :

Bank of Baroda has decided to offer to take over educational loan of officers recruited from campus on or after 01.01.2009.(Refer Circular No.BCC:BR:101/285 dated 16.09.2009.

b) Revision of scheme of Conveyance loan to officers :

For -4- wheelers :

Eligibility

All confirmed officers with continuous service of 3 years and drawing basic pay of not less than Rs13820/- (old basic)

Circular No.BCC/BR/102/38 dated 04.02.2010

Limit

80% of control price of car or Rs.7.00 lacs which ever is less.

R.O.I

8.50% simple interest

Period

120 installments (Principle 90 and interest 30) in the ratio of 3:1

For -2- Wheelers :

Limit 90% of the control price or Rs.90000/- whichever is less.

ROI8.50% (Simple)

Repayment 84 equated installments (70 towards principal

and 14 towards Interest)

42. Clean Overdraft facility for Staff Members:

Refer to Master circular No BCC:BR:96:48 dated 28.01.2004 and BCC:BR:98:61 dated 07.03.2006 for Clean Overdraft facility available to Confirmed Staff Members with minimum service of 3 years.

Length of Service

Eligibility Amount (Rs in Lacs)

3 to 5 Years

1.25

5 to 10 Years

3.10

10 years & Above

5.00

Revised prescribed rate of interest w.e.f. 01.07.2010(Circular No.BCC:BR102/167 dated 22.06.2010

Existing

Revised

1.50% below BPLR on compounding basis with monthly rests(presently 10.50%)

9% p.a. on compounding basis with monthly rests.

43. Staff Housing Loan:

(a) Regular Housing Loan : (:(circular No.BCC:BR:102/135 dated14.05.2010.)

Eligibility

Confirmed in Bank of Barodas service

Loan limit

90% of total cost or Rs.20 lacs which is lower.

Rate of Interest

8% p.a(Simple) or 4% less than BPLR whichever is lower

Margin

10% of the cost

Repayment

240 monthly installment. 180 installment towards principal and 60 installment towards interest.

Those officers who have availed regular housing loan before 01.02.2010 as per earlier scheme, but construction/purchase of house is incomplete and/or repayment of loan has not begun, are also eligible to opt the housing loan under the revised scheme subject to the original estimated cost.

.

(b) Additional Housing Loan :

Eligibility

Confirmed in Bank of Barodas Service

Loan limit

Rs.4 lacs

Rate of interest

8% p.a.(Simple) or 4% less than BPLR. Whichever is lower

Repayment

120 monthly installments 90 equal installment towards principal and 30 equal installments towards interest.

Margin

25% of the estimated cost.

Those officers who have availed additional housing loan before 01.02.2010 as per earlier scheme, but repair/renovation/enlargement of house is incomplete and/or repayment of loan has not begun, are also eligible to opt the additional housing loan under the revised scheme.

with this increase the facility of Supplementary housing loan

stands withdrawn.

(d ) the existing housing loan account of an officer under old scheme

can be transferred to new scheme for interest benefit, if he so desires.

44. Housing Loan to Staff under Public Scheme:

Refer to Master circular No BCC:BR:93:50 dated 17.03.2001 & BCC:BR:99/278 Dated 20.09.2007 for Housing Loan to Staff under Public Scheme.

45. Availment of Loans form Outside Sources:

It is mandatory for all employees to take prior permission of the Bank for availing of any loans from outside sources.

46. Scheme for Encouraging Employees to Pursue Professional and Computer Education, through Correspondence, Part-time & Distance Learning:

Refer to Master Circular No BCC:BR:96:208 dated 01.06.2004 for above scheme.

47. Preferential Interest Rates on Deposits:

The Bank may allow one per cent additional rate of interest over its ruling rate of interest on fixed deposits, saving deposits and recurring deposits in the name of an officer, individually or jointly with any member of his family.

48. Issuance of BobCard:

For the officers in scale I to IV BOBCARD Exclusive or BOBCARD Gold is issued free of cost.

49. Online Trading Facility- Baroda e-Trading-Special Rates for Staff:

For concessions refer to circular no BCC:BR:99/261 dated 31.08.2007.

50. Online Promotion Test:

Refer to circular no BCC:BR:98/292 dated 19.10.2006. Bank has advised to its staff to become computer literate and also planning to implement online test for Bank staff for promotion.

51. Reimbursement of Kit Allowance for Overseas Visits

Officers/Executives identified for overseas postings on regular basis are reimbursed Kit Allowance in equivalent Rupees on self declaration basis as under (Reference BCC:BR:100/322 Dated 10.11.2008) :

Category

Amount in US$

Cold Countries

Warm Countries

Officer(if single)

600

450

Only officer & Spouse

1200

900

Officer, Spouse & 1 child

1600

1200

Officer, Spouse & 2 child

2000

1500

IBTOs

300

300

Cold countries : USA, UK, Brussels

Warm Countries : Asian Countries, Mauritius, Seychelles, Hong Kong, African Countries, Fiji etc.

52.Payment of Halting /Diem Allowances to Expatriate Officer/Officers in India and visiting Foreign Countries for official Purpose :

Please refer Master Circular No.BCC:BR:100/341 dated 25.11.2008 with reference to above matters.

53.Silver Salver Scheme :

On completion of 25 years of service bank of Baroda provides Silver Salver to the staff on immediate succeeding Bank of Barodas Foundation day to the value of Rs.2500/-

54. Leave:

Refer to Master circular No. BCC:BR:96/284 dated 05.08.2004 on leave, special leave, leave for going abroad, unauthorized absence.

Maternity Leave (w.e.f. 01.05.2010) :

a Maternity leave, which shall be on substantive pay, shall be granted to a female employee for a period not exceeding 6 months on any one occasion and 12 months during the entire period of her service.

b Within the overall period of 12 months, leave may also be granted in case of miscarriage/abortion/MTP

c Within the overall period of 12 months, leave may also be granted in case of hysterectomy up to a maximum of 45 days.

55. Unauthorized Absence:

For details refer to circular no CO/BR/94/133 dated 30.05.2002, BCC:BR:96/284 dated 05.08.2004 Annexure 3 & BCC/BR/98/63 dated 08.03.2006.

56 Sanction of Leave and Permission to go abroad and issue of No Objection Certificate for obtaining/renewing Passport:

Refer to circular No. BCC:BR:99/265 dated 03.09.2007

57. Compensatory Leave:

In case of working on exigencies officers may be sanctioned Compensatory Leave subject to sanction by an executive. Reference BCC/BR/97/352 dated 14.12.2005.

58. Scheme for grant of Sabbatical Leave to Employees:

Refer to circular No. BCC:BR:98/113 dated 02.05.2006 for sabbatical leave to employees. The scheme is kept under abeyance with immediate effect vide circular No.BCC:BR:101/54 dated 10.02.2009.

59. Promotion Policy: (Circular No.BCC:BR:102/94 dated 15.03.2010)

The service eligibility for promotion to a higher scale has been reduced for most of the scales in the normal channel, the total time span is now reduced by 7 years from the current 25 years to 18 years and for the fast-track channel, the total time span is reduced by 4 years from the current 18 years to 14 years. This is one of the fastest service eligibility prescribed for promotion of officers in the entire Banking industry.

Normal ChannelFast Track

ExistingRevisedExistingRevised

Scale(years)(Years)(Years)(Years)

I to II7543

II to III5433

III to IV5332

IV to V32--

V to VI22--

VI to VII32--

Total Time Span25181814

The eligibility for the fast-track channel shall now only be limited to the performance factor for which the criteria stipulated is a minimum of 80% performance score in each of the last 3 years performance ratings.

Selection process :

a)No interviews or assessment of potential has been kept in the policy for promotion from Scale I to II.

b).Written test have been dispensed with for promotions from Scale III to Scale IV.

c) The revised weightage for the different factors of promotions have been kept as under :

Scale

Written Test

Performance

Potential

Existing

Revised

Existing

Revised

Existing

Revised

I to II

50

60

40

40

10

-

II to III

40

30

40

50

20

20

III to IV

20

-

50

60

30

40

IV to V

-

-

60

60

40

40

V to VI

-

-

60

50

40

50

Vi to Vii

-

-

60

50

40

50

d) Transparency in marks secured : With a view to bring about more transparency in the marks secured by officers in the written test, it has been decided to intimate to all officers the written test marks immediately after declaration of the results of the written test.

e) The performance marks are also made open from this year.

60. Assets Liability Return:

Submission of Assets and Liabilities Statement as on March every year is mandatory to be submitted by all officers by June end through HRNES.

61. Terminal Benefits:

Refer to following master circular on terminal benefits like P.F, Pension and Gratuity etc:

HO/BR/96/91 dated 16.04.2004 for Provident Fund

HO:BR:96/83 dated 05.04.2004 for pension

HO/BR/96/82 dated 05.04.2004 for Gratuity

Gratuity (HO:BR:102/96 dated 26.06.2010)

The payment of Gratuity Act has now been amended by an Act of Parliament which received the Presidential assent on 17th May 2010. Accordingly, the ceiling on the amount of gratuity payable under Section 4 sub section (3) of the Payment of Gratuity Act 1972 has been raised from Rs. Three lacs fifty thousand to Rs.Ten lacs with effect from 24th May,2010.

62.Encashment of Privilege leave on retirement :

When an officer retires/expired while in service, he shall be eligible to be paid a sum equivalent to the emoluments of any period, not exceeding 240 days, of privilege leave that he/she had accumulated/credit as on date of retirement/death.

63.Additional Retirement Benefit :

An officer who was in Banks service as on 01.07.1979, on retirement/voluntary retirement will gets 6- months emoluments as additional retirement benefit if he has rendered at least 25- years of service..

64. Pre-mature Retirement of Officer:

The Bank can consider per-mature retirement of an officer under BOBOSR. It would be done once in a year after the officer completes the age of 55 years or completion of 30 years of total service, whichever is earlier. Refer to circular no BCC:BR:98/243 dated 29.08.2006.

65. Scheme for Payment of Ex-gratia Financial Relief/Appointment to the dependents of deceased employees on Compassionate Grounds:

Refer to circular No BCC/BR/99/347 dated 12.11.2007 & BCC/BR/98/21 dated 02.02.2006 for all death cases occurred on or after 04.10.2005.

66. Issuance of Service Certificates to Retired Employees:

On receipt of application from the retired employee along with the photograph, the Competent Authority prescribed in the circular No CO/BR/92/40 dated 21.03.2000 may issue such Service Certificate cum Identity Card to employees who have retired on super annuation or have opted for any type of voluntary retirement from the Banks services. For details refer to HO/BR/94/157 dated 13.08.2002 and HO:BR:100/180 dated 24.06.2008.

67. Staff Welfare:

Refer to Master circular No BCC/BR/96/265 dated 08.07.2004 for the various facilities provided by the bank under Staff Welfare funds: -

I Establishment of Holiday homes

II Providing scholarships to the children of employees

III Handicapped children/spastic children

IV Provide financial aid to the family members of the employees who die in harness

V Providing incentives to employees for promoting small family norms

VI Extending financial assistance to the employees who are on loss of pay on account of major and special operations/major diseases

VII Presentation of mementos to retiring employees (Abhinandan Yojana)

VIII Canteen subsidy

IX Financial assistance for purchase of artificial limbs to physically handicapped staff members and/or their handicapped children

X Financial assistance for purchase of hearing aid to physically handicapped staff members and/or their handicapped children.

XI Health check up for full time confirmed employees above the age of -45- years

68. Bank of Baroda Contributory Medical Assistance Scheme for Retired Employees:

Under this scheme financial assistance is provided to retired employees and his/her spouse only on superannuation to meet the medical expenses incurred. To acquire the membership, employee shall have to make one time lump sum contribution towards membership fees i.e. Equal to 50% of (the basic pay, last drawn) + special pay (if applicable). Refer to HO/BR/92/317 dated 11.09.2004.

Further, w.e.f. 1st April,2010 it has been further improved as under :

(a)The membership of Bank of Baroda Contributory Medical Assistance Scheme for Retired Employees will be extended to all retired employees for self and spouse irrespective of whether they are in gainful employment or not provided they enroll by paying the membership fees.

(b)If the employee / spouse are in employment and the establishment extends/provides any medical aid/assistance then they will be eligible only for the unsettled portion of the claim i.e. such members have to first apply for reimbursement of their medical expenses to their current employer and the remaining unsettled amount only will be considered under the Contributory Medical Assistance Scheme for Retired Employees.(Circular No.HO:BR:102/34 dated 16.03.2010)

69. Help desk for Retired Employees :

Bank has established a help desk for retired employees at Head Office, Baroda for their benefit at following address (HO:BR:100/52 dated 12.04.2008)

The Chief Manager)HRM)

Bank of Baroda

HRM Division, Head Office,

2nd Floor, Baroda House, Mandvi,Baroda 390006

Tel.no.0265-2517326

Email : retdmp.helpdesk@bankofbaroda.com.

70. Baroda Sujhav Staff Suggestion Scheme:

Refer to circular no HO:BR:96/145 dated 09-07-2007. Suggestion may directly be sent to The Chief Manager (Ops,Ser, CS & O&M), Head Office, Suraj Plaza 1, 8th Floor, Sayajigunj, Baroda 390005.

71. Paramarsh- The center for personal counselling:

Bank has set up psychological counseling center for bank staff at Mumbai for counseling service free of charge, for resolving their psychological problems/worries, which may be disturbing their personal life. Counseling services are available on Monday, Wednesday and Friday between 3 pm. To 6 pm only by prior appointment directly obtainable form Mrs. Arti Chawla, a Clinical Psychologist and Counselor over phone No 022-56985299. Reference CMD circular BCC/CMD/DO/128 dated 21-06-2005.

72. Sampark The SOS Help line for Employee:

With the objective of providing immediate assistance to those employees in great distress, facing extreme emergency, life and death situation, Bank has established SAMPARK HELP LINE at CMD s office. An employee can send e-mail at cmd@bankofbaroda.com/fax at 022-26523543 or through post to CMD at corporate office address in prescribed format with copy to Zonal Head. Reference CMD circular BCC/CMD/DO/129 dated 01-07-2005.

73. Ideaonline@bankofbaroda.com:

An employee can send new ideas/schemes etc. for reference to higher authorities directly at ideaonline@bankofbaroda.com.

74. Human Resource Network for Employee Services

In order to enable HR to add value to business, a comprehensive web-enabled Human Resources Management System called Hrnes has been conceptualized, implementation of which is under way. This shall provide a new tech-enabled platform for qualitative utilization of HR database and the same can be leveraged for improving the overall quality of HR practices. (Reference BCC:BR:99/359 Dated 26.11.2007)

The system comprises of three broad modules encompassing many functions:

1 Oracle Core HR module

2 Fluous Payroll module, and

3 Oracle Learning Management module which includes I-learning

Oracle Core HR module

This module consists of following functions :

Human resources Inventory

Manpower Planning

Recruitment Module

Promotions

Selection

Mobility Transfers

Assets & Liability Statement

Assets Tracking

Industrial Relations

Branch Profile/Master

Hr Development Employee Performance Management

Career Planning & Career Development

Statutory Compliances

Discipline Management (BPS & Conduct Regulations)

Human Resources MIS (Staff Statements)

Implementation of System Control Tools Trough HRM Audit

Fluous Payroll module

This module consists of following functions :

Pay Roll

Leave Management

Travel Management

Medical Schemes & Various Staff Welfare Schemes

Employee Loan Module

Terminal Benefits

Oracle Learning Management module which includes I-learning

This module consists of following functions :

Training System

I-Learning

75.Perquisites to Chief Manager SMG/S IV :

Following perquisites are available to Chief Managers

Sl.No.

Perquisites

Amount

Periodicity

1

Crockery

2000

Once in a year

2

House Maintenance

1200

Per month

3

Furniture Maintenance

(Furniture in Banks house)

250

Per month

4

Garden Maintenance

(In Bank of Barodas house)

250

Per month

76. DISCIPLINARY MATTERS

Officers conduct and disciplinary matters are governed by BANK OF BARODA OFFICER EMPLOYEES (CONDUCT) REGULATIONS, 1976 & BANK OF BARODA OFFICER EMPLOYEES (DISCIPLINE AND APPEAL) REGULATIONS, 1976.

Officers working in the pay scale from JMG/S-I to MMG/S-III in the matter of Vigilance & Non-Vigilance cases Disciplinary Authority is concerned Zonal Head (not lower than the rank of Deputy General Manager), Appellate Authority is Executive Director and Reviewing Authority is CMD.

AUTHORITY TO INSTITUTE DISCIPLINARY PROCEEDING AND IMPOSE PENALTIES

(1) The Chairman cum Managing Director or any other authority empowered by him by general or special order may institute or direct the Disciplinary Authority to institute disciplinary proceedings against an officer employee of the bank.

(2) The disciplinary authority may himself institute disciplinary proceedings.

(3) The disciplinary authority or any authority higher than it, may impose any of the penalties specified in regulation 4 on any officer employee.

APPEAL

(i) An officer employee may appeal against order imposing upon him any of the penalties specified in regulation 4 or against the order of suspension referred to in regulation 12. The appeal shall lie to the Appellate Authority.

(ii) An appeal shall be preferred within 45 days from the date of receipt of the order appealed against. The appeal shall be addressed to the Appellate Authority and submitted to the authority whose order is appealed against. The authority whose order is appealed against shall forward the appeal together with its comments and the records of the case to the Appellate Authority.

REVIEW

The Reviewing Authority may at any time within six months of the date of the final order, either on his own motion or otherwise review the said order, when any new material or evidence which could not be produced or was not available at the time of passing the order under review and which has the effect of changing the nature of the case, has come or has been brought to his notice and pass such orders thereon as it may deem fit.

.

BANK OF BARODA OFFICER EMPLOYEES (DISCIPLINE & APPEAL) REGULATIONS, 1976 SCHEDULE OF AUTHORITIES

Name of the

Category/

Post (1)

Branch/ Office

(2)

Disciplinary

Authority

(3)

Appellate

Authority

(4)

Reviewing

Authority

(5)

All officers in

JMG/S I &

MMG/S. II &III

Br/office RTC / CBB situated in the Zone

Zonal Head not below the rank of Dy.

Gen. Manager

Executive

Director

Chairman &

Managing

Director

- do -

ZIC

Functional Head of CID not below the

rank of Dy. Gen. Manager

Executive

Director

Chairman &

Managing

Director

- do -

Staff College Abad, BOBETC

Gandhinagar,

BOBIT College,

Baroda

Principal, Staff College not below the rank of Dy. Gen. Manager

Executive

Director

Chairman &

Managing

Director

- do -

Baroda Corporate

Centre inclusive Of CID/ IT/ IBO/

Treasury branch

Functional Head of Office Administration at BCC not below the rank of Dy. Gen. Manager

Executive

Director

Chairman &

Managing

Director

- do -

Head Office,

Baroda

Functional Head of

operations at Head Office, Baroda not

below the rank of Dy.

Gen. Manager

Executive

Director

Chairman &

Managing

Director

All officers in

JMG/S I,

MMG/S II &

III & who are

on deputation

to RRBs/Subs / Asso. Banks

RRBs/Subsidiarie / Associate Banks in the Zone

Zonal Head not below the rank of Dy.

Gen.Manager, where the RRBs/Subsidiaries / Associate Banks are located

Executive

Director

Chairman &

Managing

Director

77. Transfer Policy :

For officers finalized transfer policy mainly covers following areas :

a Inter Zonal Transfer

b Pan-India Transferability of certain officers

c Inter Regional Transfers

d Intra Regional Transfers

e Provision for lady officers

f Exemption of Special grounds

g Criteria for transfers

h Request Transfers

i Retention of Residential Accommodation at previous place of posting

j Competent Authority

k Sampark Help line

For details Refer to Circular No.BCC:BR:101:130 dated 29.04.2009.

78.Income tax on Perquisites Concessional rate of Interest on staff loans :

Honorable High Court of Madhya Pradesh in W.P. 2812 of 2009 filed by All India Bank of Baroda of Baroda Officers Association has on 13.03.2009 passed interim

order as below :

Tax at source from the petitioner union shall be deducted in accordance with the

Cost to the employer not in accordance with the State Bank of India

lending rate keeping in view the decision rendered by the Supreme

Court in the case of Arun Kumar and others v/s Union of India.

Refer to Circular No.CTP/101/08-09/239 dated 25.03.2009.

79.Introduction of a New Employee Performance Management System(EPMS) all officers

A shift has been made from an employees performance review system (EPRS) to employees performance management system(EPMS)

The new system makes each officer primarily responsible for his/her performance and hence it is the onus of the every officer to plan and manage his/her performance which enables him/her to improve upon his/her performance on a continuous basis. For details refer to circular No.BCC:BR:101/116 dated 11.04.2009 and also BCC:BR:102/110 dated 13.04.2010 and also

80.Policy for Overseas Posting :( Circular No.BCC:BR:101/206 dated 16.07.2009)

Identification of officers to be done in a proactive manner and creating a pool of

Officers and grooming and training them and not merely substitute finding mission as was being done hitherto.

a)Age (Maximum)JMG/s I35 years

MMG/s II45

MMG/s III50

SMG/s IV54

(For dealers age is 45 years.)

b)Minimum Work experience : JMG/S I 2 years

(in the respective functional areas) MMG/S II3 years

MMG/S III4 years

SMG/S IV5 years

c) Qualification : Graduate. Preference will be given to candidates possessing specialized qualification like MBA,CA,ICWA,ACS,CAIIB,CFA,CISA.

81.Scheme for legal & Financial Support :( Circular No.BCC:BR:101/370 dated 12.12.2009)

Draft formulated by IBA to extend legal and financial support to officers of Banks against whom motivated false complaint has been made by people/agencies outside the Bank of Baroda, has been approved by the Board of Directors.

Objective : To enable officer to initiate legal action against outsiders/private parties who with a malafide intention make baseless allegation, pass derogatory remarks, lodge motivated complaints on matters arising out of bonafide execution of Banks work. The scheme shall not be applicable in case of complaint/allegation made by an employee of the Bank of Baroda.

Applicability : This scheme shall cover all officers in the regular rolls of the Bank including officers who are on deputation to joint ventures, subsidiaries and other institutions and officers retired from the Bank of Baroda.

For retired officers, the scheme will be applicable only in respect of bonafide execution of bank work while in service.

82.HR Resourcing Policy : (Circular No.BCC:BR:102/72 dated 06.03.2010)

The policy stipulates detailed guidelines, processes, criteria and procedures for carrying out the following types of recruitment.

External Resourcing :

Fresh recruitment probationary officers(Pos)

Experienced recruitment Specialist positions (both in officers and executive position.

Campus Recruitment officers

Contractual recruitment officers and executives

Recruitment of clerical and subordinate staff.

Internal Resourcing :

Providing avenues for internal candidates to participate in and get recruited in higher scales.

Under this policy, there are some major changes in the terms of employment :

The probation period for all directly recruited officers reduced from the existing 2 years to 1 year. The probation period for internal candidates who are confirmed employees but who are recruited afresh in a higher scale shall be 6 months.

Localized Recruitment Bank may initiate as and when required, localized

Recruitment exercise for Probationary officers to meet the requirement of

Officers of specific deficit zones/areas.

New recruits in officers cadre may be given an option to join either on regular scales or on a CTC based compensation package.

83.Schemes Managed by Association

1. Employees Scheme Of Contribution Of Rupees Ten ( ESCORT ) :

The greater consolation for the loss of the dead is found in the thinking of the living left behind. With this noble philosophy our association has introduced this scheme w.e.f. 01.01.95. Under the scheme every participating officer is called upon to contribute Rupees 10/- when an officer dies while in service. Members can participate in the scheme by submission of irrevocable Letter of authority which authorizes the bank for necessary deduction from salary. Today association is able to provide such bereaved families a timely help of Rs. 1,25,000/-.

2. All India Bank of Baroda Officers Welfare Fund ( AIBOBOWF ):

Our Association has launched a Welfare Fund in the year 1986 with the objective of undertaking welfare measures for the officers and their family members who joins the scheme with a one time membership fee of Rs. 1000/- (Rupees One thousand). It is named as ALL INDIA BANK OF BARODA OFFICERS WELFARE FUND. It undertakes following activities

I Financial help of Rs. 20000/- to the family of the officer who dies while in service.

II Merit award of Rs. 500/- to children of members who secure highest percentage of marks in S.S.C, H.S.C., Graduation and Post-Graduation including Engineering and Medicine in the annual examination. Each zone is given 18 awards, SSC - 6, HSC - 6 and Degree - 6

III After retirement benefits in the form of 50% of members own contribution.

IV Association have plans to enlarge scope of the activities such as providing relief measures to members who are victims of natural calamities, establishment of Holiday Home etc.

Annexure A

84. SCHEME FOR RESERVATION OF BEDS IN HOSPITALS SITUATED AT

ZONAL CENTRES

Sr. No.

Centre

Name of the Hospital

1

Mumbai

1. Bombay Hospital, Marine Line

2. Bhatia General Hospital, Tardeo

3. BSES M G Hospital, Andhari

Specialized Treatment

4. Cumballa Hill Heart Institute, Grant Road

5. Wokhardt Hospital

6. Asian Heart Institute.

2

Baroda

1. Narhari Arogya Kendra

2. Bhailal Amin General Hospital

3

New Delhi

1. Park Hospital

2. Vidyasagar Institute of Mental Health and Neuro- sciences (VIMHANS)

3. DLK Memorial Hospital

4

Chennai

1. Voluntary Health Services

2. Madras Medical Mission

3. Apollo Hospital

5

Kolkata

Mission of Mercy Hospital

6

Patna

Magadh Hospital

7

Lucknow

Avadh Hospital & Heart institute

8

Jaipur

Soni Hospital, Jaipur

9

Indore

Choithram Hospital & Research Centre

10

Pune

KEM Hospital

Dinanath Mangeshkar Hospital

11

Ahmedabad

Gujarat Research & Medical

Institute (Rajasthan Hospital)

12.

Bareilly

Dhanvanthary Tomar Hospital

List of Bank Dispensaries with Part Time Medical Consultant at Various Centres

1

Mumbai

2

New Delhi

3

Kolkata

4

Chennai

5

Patna

6

Baroda

7

Jaipur

8

Lucknow

9

Bhopal

10

Ahmedabad

11..

Bareilly

12.

Gandhinagar

85. LIST OF HOLIDAY HOMES

LIST OF HOLIDAY HOMES Annexure - B

RAJASTHAN ZONE:

SR.NO

HOLIDAY HOMES

CONTROLLING BRANCH

1

MOUNT ABU

Hotel Vishram

Royal Avenue, Near Goyal Service Station, Main Road,

Mount Abu-307201

Ph-(02974)-237323

Bank of Baroda

Mount Abu-307501

Dist. Sirohi Ph-(02974) 235166

2

UDAIPUR

Hotel Padmini Palace & Restaurant

18, Ambavagarh,

Swarup Sagar Road

Udaipur-313 001

Ph-(0294)-2433458-59

Bank of Baroda

Udaipur Main Branch

Opp: Town Hall

Udaipur- 313 001

Ph-(0294)-2421673, 2420671

3

JAIPUR

Hotel Ratnavali

138, New Colony, Nr. Panch Batti

Jaipur-302 001

Ph-(0141)-2363217,2377487,

2367530 F

Bank of Baroda

Park Street Branch

7, Park House Scheme

Jaipur-302 001

Ph-(0141)-2379812, 2370366,2369685 F

4

NATHDWARA

Hotel Gokuldham,

Opp. Lalbaug Bus Stand,

N.H. No.-8

Nathdwara-313301

Dist. Rajsamand.

Bank of Baroda

Nathdwara Branch,

Nathdwara, Dist. Rajsamand.

Ph.No. 02953 - 232914, 234108,

NORTHERN ZONE

5

SIMLA

Hotel Dreamland

The Ridge, Simla.

Ph-(0177)-2653005, 2657377,

Bank of Baroda

Simla Branch

Shri Guru Singh Sabha

Cart Road, Simla.

Ph- (0177)-2653153,2804014

6

MANALI

Hotel Anupam Palace

The Mall, Manali-175 131

Ph-(01902)-252181

Bank of Baroda

167/3, Hospital Road

Mandi-175 001 (HP)

Ph-(01905)-222074

7

NEW DELHI

Hotel Swarna Palace

15-A/33, W.E.A. Ajmal Khan Rd.,

Karol Baug

New Delhi-110 006

Ph-(011)-25748727, 258142285, 25761110, 25713815

Bank of Baroda

Karol Baug Branch

15-A/14, Ajmal Khan Road

New Delhi-110 005

Ph-(011)-25789726, 25720425

25723585, 25752442 F

8

KATRA

Hotel Malti Palace

Panthal Road, Katra, Jammu.

Ph-(01991)-233500, 233501

Bank of Baroda

Gandhinagar Branch

Gole Market, Gandhinagar

Jammu-180 004. Ph-(0191)-

2451481, 2437572

9

DALHOUSIE

Hotel Surya Resort

Dalhousie Road, Baloon Church

Road, Bathri View Estate

Dalhousie (HP).

Ph-(01899),242158

Bank of Baroda

Pathankot Branch

Dalhousie Road, Pathankot-145 001

Dist. Gurdaspur (Punjab)

Ph-(0186)-2221150

U.P. & UTTARANCHAL ZONE

10

AGRA

Hotel Delux Plaza,

M G Tower,

Fatehabad Road,

Agra Ph-(0562)-2330110-2330195

Bank of Baroda

13, M.G. Road

Agra.

Ph-(0562)-2364362, 2364822 F

11

HARDWAR

Hotel Kailash

Shivmurthy Railway Road

Hardwar. Ph-(01334)-227789

Bank of Baroda

Upper Road, Rly Road

Hardwar-249 401

Ph-(01334)-227535,226671

12

NAINITAL

Hotel Abhiruchi

The Mall, Tallital,

Nainital. 05942-232512

Bank of Baroda

Mallital, Mall Road,

Nainital-263 001, Dist. Nainital

Ph-(05942)-236285, 236841

13

MUSSOORIE

Himalay Club Hotel

Landour, Mussoorie-248 179

Ph-(0135)-2632805, 2632762

Bank of Baroda

Regent House,

Kurli, Mussoorie-248 179

Ph-(0135)-2632356, 2630670

14

MATHURA

Hotel Mansarovar

"Mansarovar Crossing, Chauki Bag

Bahadur, Mathura-281 001.

Ph- (0565)2408686,2409966

Bank of Baroda. Kotwali Road,

Mathura,

Pin 281001

Phone: 0565-2405969

15

LUCKNOW

Grand Hotel (Nr. Novelty Theatre)

4, Lalbaug, Lucknow

Ph-(0522)-2224229/2214022-23

Bank of Baroda Regional Office,

Vibhuti Khand, Gomti Nagar

Lucknow -

SOUTHERN ZONE

16

OOTY

Sri Vigneswara Nilayam

421, H2 Victoria Hill, 2nd floor,

Ettines Road, Ooty. Ph. - (0423)-

2450196

Bank of Baroda

Coonoor Branch, 29,

Grays Hill, Coonoor 643101

Ph. No.(0423)-2231721

17

KODAIKANAL

M/s Sarnam Apartments

Fern Hill Road

Kodaikanal-624 001

Ph-(04542) - 240562

Bank of Baroda

Madurai Main Branch

PB No. 142, 5, East Avani Moola Street

Madurai-625 001,

Ph-(0452)-2622938, 2622038 F

18

KANYAKUMARI

Laxmi Tourist Home

East Car Street, Nr. Sea Shore

Kanyakumari-629 702

Ph-(04652)-246333

Bank of Baroda

Nagarcoil Branch, DDJ Centre

Opp Vadasheri Bus Stand,

Nagarcoil-629 001

Ph-(04652)-232445

19

TIRUPATI

Hotel Bhimas Paradise

33-37 Renigunta Road,

Tirupati - 517501

Ph-(08574)-2225747, 2225002

Fax No. (08574)-25568

Bank of Baroda

Tirupati branch,15-3-481 B,

V. V. Mahal Road,

Tirupati - 517501

Telephone No. : 08574-2222242

Fax No. 08574-2227651

20

CHENNAI

Bank Of Baroda Holiday Home

New No. 30 (Old No 61/1) Barkit Road, T Nagar

Chennai - 600 017

Phone: (044) 24351733

Bank of Baroda

Zonal Office, 90,

C P Ramaswamy Road, Alwarpet,

Chennai - 600 018

Phone: (044) 24990884, 24992154

Fax 24990331

21

BANGALORE

Hotel Anand Regency

No. 10, Iind Cross Road, Sixth Main Gandhi Nagar,

Bangalore 560009

Ph 080- 41241050-52

Bank of baroda

K. G. Road Branch,

Prithvi Building, Kempa Gowda Road,

Bangalore 560009

Ph 22268106-108, 22253526 F

MAHARASHTRA & GOA ZONE

22

AURANGABAD

Hotel Kartiki

Opp: Siddharth Garden

Lal Bahadur Shastri Marg

Aurangabad-431 001

Ph-(0240)-2339060-62

Bank of Baroda

Samrathnagar Branch,

Trivini Apartment,

Near Varad Ganesh Mandir

Aurangabad-431 001

Ph-(0240)-2334208,2362276

23

PANAJI

Bank of Baroda Holiday Home,

R 1, La Campala Colony,

Meera Mar,

Panaji-403001,

Ph-(0832)-2463015

Bank of Baroda

P.B. No. 236, Opp: Azad Maidan,

Panaji-403 712,

Goa

Ph-(0832)-2435016, 2435017, 2224591 F

24

LONAVALA

M/s Harnam Shree Housing Complex,

Row House No. 2 , Tungarliward,

Plot No 11, Opp Bijis Hill Retreat, Lonavala

Dist: Pune-410 401

Ph- (02114)-273861

Bank of Baroda

Lonavala Branch

Prabhu Niwas, Gawaliwada

Near Bus Stand, Mumbai-Pune Highway

Lonavala-410 401

Ph-Fax-(02114)-273726

25

MAHABALESHWAR

Hotel Shreyas

Opp: S.T. Bus Station,

Mahabaleshwar - 412 806,

Dist. Satara, Maharashtra.

Ph-(02168)-260365, 260603

Bank of Baroda

355/A Shanivar Peth,

Satara - 415002

Ph-(02162)-234184, 227594 F

26

SHIRDI

Nisarga Cottage Resorts

Shirdi - Ahmednagar Road

Shirdi - 423 109,

Ph-(02423)-255115

Kopergaon Branch

Kopergaon Peoples Bldg., Bank

Road, Kopergaon - 423 601,

Dist: Ahmednagar,

Ph-(02423)-222301, 225581 F

27

NASIK

"Trimbak", Bank of Baroda Holiday

Home, G-1, Duplex Flat, Thakkars

Retreat, Old Gangpur Naka, Nasik.

Phone: 0253- 2582881

Bank of Baroda,

7-B, Torna Complex, Maniknagar

society, Gangapur Road Branch

Nasik -422 013.

Ph. - (0253) -2570722

28

GANPATYIPULE

Abhishek Beach Resort

Ganpatipule, Tal & Dist. Ratnagiri

Ph. 02357 4264/ M-09373848184

Bank of Baroda,

Pras Plaza, C-wing, KC Jain Nagar

Maruti Mandir, Ratnagiri - 415612

Ph. - (02352) 221631, 222539

EASTERN ZONE

29

DARJEELING

Hotel Sagarika,

1, J P Sharma Road

Darjeeling.

Ph-(0354)-2253885

Bank of Baroda

14, H.D. Lama Road, 12/11 Rovertson Road

Darjeeling-734 101

Ph-(0354)-2254644

30

GANGTOK

Travel Lodge, Tibet Road, Gangtok

East Sikkim-737 101

Ph-(03592)-223858

Bank of Baroda

Gangtok Branch

Top In Town Bldg., M.G.Marg

Nr. Gandhi Statue, Gangtok-737 101

Ph-(03592)-203216, 221560

31

KOLKATA

Hotel, Swagat,

37, Hazara Road

Kolkata 700029

Ph 033-24766161/262/464

Bank of Baroda,

Lansdowne Market Br., 63/3/B Sarat

Bose Road, 1st Floor,

Kolkata- 700 025

Phone: 033- 24759649, 24860332 F

BIHAR, JHARKHAND & ORISSA ZONE

32

PURI

Hotel Sea Point

Opp. Sea Beach Police Station

Puri-752001

Bank of Baroda

Swargdwar Branch

Puri-752 001

Ph-(06752)-2532214, 2530018 F

33

BHUBNESHWAR

Hotel Priya

A-30/1, Unit-3, Kharvelnagar, J.N.

Marg, Bhubneshwar-751 001

Ph-(0674)-2405844/2408430

Bank of Baroda

Bapuji Nagar

Bhubneshwar-751 009

Ph-(0674)-2530018 F /2532214

GUJARAT OPERATION ZONE

34

SAPUTARA

Hotel Chitrakoot Guest House & Restaurant,

Saputara-Dang

Ph-(02631)-237221/237237

Bank of Baroda

Regional Office, B&D Reg.,

Mahalaxmi Aptt.,Tithal Road

Bulsar-396 001

Ph-(02632)-253035/244210, 263321 F

35

DIU

Hotel Prince

Main Bazar,

Diu (Union Territory).

Ph: 02875) - 252765, 252265

Bank of Baroda,

Veraval Branch, Station Road,

Desha Shrimali Vanic Gnati Vadi,

Veraval - 362 265, Dist. Junagadh.

Ph-(02876) 220155, 241259

GREATER MUMBAI ZONE

36

Mumbai

Nugget, Opp Samna Press,

Near Parel Bus Depot,

Nagu Syajiwadi,

New Prabhadevi Road

Mumbai 400028

Ph- 022 24386098

Bank of Baroda

Prabhadevi Branch,

Kamna Co-op Hsg. Society,

S K Bole Road, Prabhadevi,

Mumbai 400028

Ph- 022 24229440 24227381