Quarterly Average Balance (QAB) is the minimum average balance that a customer needs to maintain in their savings account on a quarterly basis. If the customer fails to maintain the minimum QAB, the bank imposes a penalty. Bank of Baroda (BoB) has a savings account called Baroda Advantage Savings Account, for which the minimum QAB varies based on the classification of the branch. As of January 2019, the minimum QAB for metro and urban branches is Rs. 2,000, and for semi-urban branches, it is Rs. 1,000. There is no change for accounts in rural branches, and the minimum QAB requirement is still Rs. 500. If a customer fails to maintain the minimum QAB, BoB imposes a penalty. The maximum charges for non-maintenance of minimum QAB are Rs. 200 for metro and urban branches and Rs. 100 for semi-urban branches.