In Bank of Baroda, QAB stands for Quarterly Average Balance, which is the minimum average balance that a savings account holder needs to maintain in their account over a quarter (three months) . The QAB varies based on the type of account and the location of the branch. For example, the minimum QAB for the Baroda Advantage Savings Account in metro and urban branches is Rs. 2,000, while for semi-urban branches, it is Rs. 1,000. There is no change for accounts in rural branches, where the minimum QAB requirement is still Rs. 500. If the account holder fails to maintain the minimum QAB, the bank may impose a penalty, which varies based on the location of the branch. For metro and urban branches, the maximum penalty for non-maintenance of minimum QAB is Rs. 200, while for semi-urban branches, it is Rs. 100.