Bank of Baroda offers different types of savings accounts to its customers. Applicants can choose from super savings, salary, privilege, senior citizens and minor accounts to meet their financial goals. Let us discuss the range of Bank of Baroda savings accounts their features, interest rates offered and other details before you opt for the savings account that suits you the best.
Bank of Baroda Savings Account Interest Rates 2025
| Account Balance | Interest Rate (p.a.) |
| Up to Rs. 1 lakh | 2.70% |
| Above Rs 1.00 Lakh to less than Rs. 50 Lakh | 2.70% |
| Rs. 50 Lakh and less than Rs. 10 Crores | 2.75% |
| Rs. 10 Crores and above to less than Rs. 50 Crores | 2.75% |
| Rs. 50 Crores and above to less than Rs. 100 Crores | 3.00% |
| Rs. 100 Crores and above to less than Rs. 200 Crores | 3.00% |
| Rs. 200 Crores and above to less than Rs. 500 Crores | 3.00% |
| Rs. 500 Crores and above to less than Rs. 1,000 Crores | 4.00% |
| Rs. 1,000 Crores and above | 4.25% |
Note: Rates updated as on 25 June 2025 and w.e.f. 12 June 2025.
Types of Bank of Baroda Savings Account
Features & Benefits – Bank of Baroda Savings Account
Baroda Advantage Saving Account
| Quarterly Average Balance (QAB) | Rural – Rs. 500* Semi-urban – Rs. 1,000* Urban/Metro – Rs. 2,000* |
| Cheque Book Facility | 30 cheque leaves free per financial year Charges applicable for additional cheque leaves |
| Debit Card | 6 variants of Debit Cards (free for 1st year) |
| Other Features | Mobile banking Multiple withdrawal options Eligible for debit cards Free passbook and a chequebook |
Salary and Pension Solutions for Indian Military Personnel
| Withdrawal Limit | Cash withdrawal limit: Maximum of Rs. 50,000 per day at BOB ATMs Cash withdrawal limit at other bank ATMs as per RBI guidelines Purchase limit of Rs. 2 lakh per day |
| Debit Card Benefits | Lifetime Free VISA Platinum Debit Card Free SELECT variant of RuPay Debit Card for senior officials On the Fly Debit card EMI |
| Other Features | Free mobile and internet banking 50% discount on locker rentals 100% waiver in demat annual maintenance charges Free unlimited demand draft/banker cheque Facility for opening fixed deposits online through mobile and internet banking Digital mode of payment facility |
Salary and Pension Solutions for Indian Central Forces Personnel
| Features | Account can be opened through Video KYC and Tab Banking 50% waiver on locker rentals 100% waiver in demat annual maintenance charges 75% waiver on issuance charges for Gift and Travel Card |
| Debit Card Benefits | Lifetime Free Debit Card RuPay Debit Card variant provides free accidental death and permanent total disability cover of Rs. 10 lakh |
| Nomination Facility | Available |
Baroda Police Forces Salary Package
| Features | 50% waiver on locker rentals 100% waiver in demat annual maintenance charges Free internet banking 100% processing charges waiver of retail loans |
| Debit Card Benefits | Lifetime Free Debit Card RuPay Debit Card variant provides free accidental death and permanent total disability cover of Rs. 10 lakh |
| ATM Transactions | Unlimited free transactions at all ATMs (BOB and other bank ATMs) |
Baroda Salary Classic Account
| Suitable For | Entry level/Trainees |
| Features | Overdraft facility of maximum Rs. 50,000 Waiver on processing charges on retail loans Free Baroda RuPay Classic Debit Card for the first year, thereafter chargeable @Rs. 150+ applicable taxes per year |
Baroda Super Salary Account
| Features | Overdraft facility of maximum Rs. 1 lakh Free remittance facility on RTGS/NEFT/IMPS/UPI Discounts on the issuance of DD/BC |
| Minimum Deposit Amount | The account can be opened with a zero balance |
| Minimum Quarterly Average Balance | Zero balance |
| Charges for Non-maintenance of QAB | No charges |
| Cheque book Facility | Free 75 cheque leaves per year |
Baroda Salary Premium Account
| Quarterly Average Balance | Zero balance account |
| Cheque Book Facility | Free 100 cheque leaves per year |
| Features | Free internet/mobile banking Daily cash withdrawal limit of Rs. 50,000 and online purchase limit of Rs. 1 lakh 15% discount on locker rents |
Baroda Salary Privilege
| Quarterly Average Balance | Zero balance |
| Cheque Book Facility | Free 150 cheque leaves per year |
| Features | 100% waiver on processing charges for housing loans, auto loans, education loans, mortgage loan, and personal loan Employees who have availed home loan, a concession of 0.25 is applicable on the ROI of an auto loan. 20% discount on locker rentals Instant account activation |
Baroda Champ Account
| Account Type | For minors (below 18 years) |
| Features | Overall transaction limit of Rs. 5,000 per day Combined transaction limit of Rs. 3,000 per day from ATMs and POS No charges on school fee payment Nomination facility available |
| Minimum Balance Requirement | No minimum balance required Maximum credit balance allowed on any day should not exceed Rs. 1 lakh Non-maintenance of QAB charges are zero |
| Cheque Book Facility | 30 free cheque leaves will be issued for the first year |
| Things to Note | Savings-oriented transactions are permitted Commercial transactions are not allowed Bank may close the account with prior notice if non-allowable transactions are noticed |
Super Savings Account
| Minimum Balance Requirement | Metro/Urban: Rs. 20,000 |
| Charges on Non-Maintenance of Minimum Balance | Nil |
| Cheque Book Facility | Unlimited Free Cheque Book Facility |
| Features | Cash deposit at the base or local non-base branch is free of charge No charges on cash withdrawal at the base or local non-base and outstation branches Free debit card for the first year |
Baroda Jeevan Suraksha Saving Account
| Minimum Balance Requirement | Rs. 1,000 daily |
| Charges on Non-Maintenance of Minimum Balance | Nil |
| Life Insurance Facility | Life insurance cover up to Rs. 5 lakh |
| Features | Existing savings account can be converted to Baroda Jeevan Suraksha Saving Account Opening account balance should be a minimum of Rs. 1,000 only Cash deposit at base/local non-base branch is free of cost Cash withdrawal at base/local non-base branch is free of cost Free passbook Nomination facility is available Free debit card for the first year |
Baroda Savings Account (Baroda Govt. Bodies SB Account)
| Minimum QAB | NIL |
| Cheque Book Facility | Free Unlimited |
| Cash Transaction (Deposit/Withdrawal) | Cash deposit is free and unlimited in the home branch Cash withdrawal is not allowed from non-base branch |
| Features | No charges on NEFT/RTGS/IMPS through branch channels as well as through internet banking Transferability of account is allowed upon submitting all KYC documents in new branch |
Baroda SB Self Help Group
| Minimum Balance | Rs. 1,000 (QAB) |
| Mode of Operation | Jointly as per resolution |
| Debit Card Variant and Annual Fee | Not applicable |
| Convertibility of Existing Account | Not allowed |
| Nomination Facility | Not applicable |
Baroda Mahila Shakti Saving Account
| Minimum QAB Requirement | Metro/Urban: Rs. 3,000 Semi-Urban: Rs. 2,000 Rural: Rs. 1,000 |
| Charges on Non-Maintenance of Minimum Balance | Nil |
| Nomination Facility | Available |
| Debit Card and Charges | Free RuPay Debit Card for the first year after which annual charges will be levied |
Baroda Pensioners Savings Bank Account
| Minimum Balance Requirement | NIL |
| Charges on Non-Maintenance of Minimum Balance | No charges |
| Nomination Facility | Available |
| Cash Deposit | For Rs. 5 lakh and above, a PAN card must be submitted |
| Features | The account can be opened with Rs. 5 only Free unlimited chequebook Life insurance available Bank of Baroda staff pensioners are also eligible under this scheme |
Baroda Platinum Saving Bank Account
| Minimum QAB Requirement | Metro/Urban/Semi-Urban/Rural: Rs. 1 lakh |
| Charges on Non-Maintenance of Minimum Balance | Nil |
| Debit Card and Charges | Free Visa Platinum Debit Card on maintaining QAB |
| Cash Deposit | For Rs. 50,000 and above, a PAN card must be submitted |
| Features | Purchase limit of Rs. 2 lakh per day (POS) Cash withdrawal limit of Rs. 1 lakh per day (ATM) Free unlimited NEFT/RTGS/IMPS No charges for cash deposit (base branch) 10% discount on annual locker charges |
Baroda Professional Saving Bank Account
| Minimum QAB Requirement | Metro/Urban/Semi-Urban/Rural: Rs. 25,000 |
| Charges on Non-Maintenance of Minimum Balance | Nil |
| Debit Card and Charges | Free RuPay Select Debit Card (for annual charges, refer to the schedule of charges) |
| Cash Deposit | PAN mandatory for depositing Rs. 50,000 and above |
| Features | Additional VISA Platinum debit card based on customer’s request Free SMS alert for the first year Free 50 cheque leaves in a year Free NEFT/RTGS through Baroda Connect/bobWorld/Branch Exclusive credit card offers from BFSL |
Baroda Senior Citizen Privilege Scheme
| Minimum Balance Requirement | Rural: Rs. 500 Semi-Urban: Rs. 1,000 Urban/Metro: Rs. 2,000 |
| Debit Card and Charges | Free debit card for the first year |
| Cash Deposit | PAN mandatory for depositing Rs. 50,000 and above |
| Features | Debit card cash withdrawal limit up to Rs. 50,000 per day Free BOB prime credit card Free unlimited transactions at BOB ATM Attractive discounts on locker rentals Can be used as Pension Account Higher interest with Flexi fixed deposits |
Online Savings Account Using Video KYC (V-KYC)
| Mandatory Requirements | Aadhaar number PAN card Valid mobile number registered with Aadhaar Valid e-mail id Internet-enabled device – Mobile, TAB, Laptop (preferable mobile) Webcam-enabled desktop with the microphone system |
| Prerequisites for Video-Based KYC | Original PAN Original Aadhaar Card A white sheet of paper and blue ball pen The device should have active internet (preferably mobile) |
* Minimum QAB requirement is calculated based on the summation of the closing balance of every day divided by the number of days. For purpose of arriving at Quarterly Average Balance/Minimum Balance charges, the period of quarters is considered as 16th March to 15th June, 16th June to 15th September, 16th September to 15th December, and 16th December to 15th March of a particular year.
Eligibility Criteria for Savings Account in Bank of Baroda
| Name of the Account | Eligibility Criteria |
| Baroda Advantage Saving Account | All resident individuals (including minors above 10 years) |
| Salary and Pension Solutions for Indian Military Personnel | Salaried employees, pensioners, employees of the Indian Army, Indian Navy, Indian Air Force, and Indian Coast Guard |
| Salary and Pension Solutions for Indian Central Forces Personnel | Salaried employees, pensioners, employees of Assam Rifles, Border Security Forces, GREF, Indo-Tibetan Border Police, Sashastra Seema Bal, Central Industrial, Security Force, Central Reserve Police Force, Railway Protection Force, National Disaster Response Force, and Special Security Force |
| Baroda Police Forces Salary Package | Salaried employees, pensioners, employees of the Central Bureau of Investigation and State Police Forces |
| Baroda Salary Classic Account | Salary band – Less than Rs. 50,000 |
| Baroda Super Salary Account | Salary Band – Rs. 50,000 – Rs. 1 lakh |
| Baroda Salary Premium Account | Salary Band – Salary credit between Rs. 1 lakh and less than Rs. 2 lakh |
| Baroda Salary Privilege | Salary Band – Salary credit more than Rs. 2 lakh |
| Baroda Champ Account | 0 to 18 years of age |
| Super Savings Account | 18-70 years of age |
| Baroda Jeevan Suraksha Saving Account | 18-70 years of age |
| Government Savings Account (Baroda Govt. Bodies SB Account) | Government departments/bodies Municipal Corporations Panchayat Samitis State Housing Boards Drainage Boards/State Text Book Publishing-Corporations/Societies/Metropolitan Development Authority/State/District Level Housing Co-operative Societies |
| Baroda SB Self Help Group | Self-help groups including women SHGs subject to submission of resolution and a list of the SHG |
| Baroda Mahila Shakti Saving Account | Resident Indian women of 18 years and above |
| Baroda Pensioners Savings Bank Account | Individuals who have retired on superannuation/retired due to VRS from any Central Government Department/State Government Department/Local Bodies/PSU
Retired defence services personnel are eligible irrespective of their age |
| Baroda Platinum Savings Bank Account | 18-70 years of age |
| Baroda Professional Saving Bank Account | Professionals holding government-approved degree or above, and qualified as:
Doctor in any field of medicine |
| Baroda Senior Citizen Privilege Scheme | Resident Indian of 60 years and above Pensioners can open an account to avail pension facility |
| Online Savings Account using Video KYC (V-KYC) | Tax-paying Indian residents aged 18 years and above Available only to New to Bank customers Politically exposed customers are not eligible Can be opened in single name and operated by self only The customer should not be a lunatic and blind |
Documents Required for Bank of Baroda Savings Account
| Official Valid Documents (OVDs) for Accounts of Individuals | PAN Card Passport Driving license with photo Proof of possession of Aadhaar Number Voter’s Identity Card issued by Election Commission of India Job card issued by NREGA duly signed by an officer of the State Government Letter issued by the National Population Register containing details of Name and Address |
Additional Documents for Bank of Baroda Savings Account
| NRIs | Address proof mentioning the current overseas address |
| Foreign Students | Copy of Passport and Visa Identity card issued by College/Institution Letter of admission for the course mentioning duration of the course Letterhead of the institution/college for allotment of hostel accommodation duly signed by the authorized signatory |
| Foreign Nationals | Valid Indian Visa Address proof mentioning the current overseas address |
Bank of Baroda Savings Account Fees and Charges
| Particulars | Charges |
| Modification or change in nomination | Rs. 100 |
| Standing instructions | Rs. 50 + remittance fees |
| Issuance of additional cheque book | Rs. 4 per cheque leaf |
| Charges for inoperative accounts | NIL |
| Cash deposit | Rs. 50 (Beyond 5 transactions in a month) |
| Cash withdrawal | Rs. 125 (Beyond 5 transactions per month excluding ATM withdrawals) |
How to Open Bank of Baroda Savings Account Online
Applicants interested in opening a BOB savings account can do so in just a few simple steps:
Step 1: Open bankofbaroda.in in your phone
Step 2: On the top left corner, click on the hamburger icon that you see on your screen
Step 3: Click on “Accounts” and select “Open a Savings Account Digitally”
Step 4: Proceed further by clicking on “Yes” if you agree to all the terms and conditions
Step 5: In the next step, enter your email id, mobile number, OTP that you must have received and select all the options
Step 6: Now, enter your PAN and Aadhaar Number
Step 7: Select the nearest branch and mention your personal and nominee’s details
Step 8: Add the additional services that you wish to take and click on next
Step 9: The account opening application is completed by now and you need to click on the complete video KYC for verification
Step 10: Once the video KYC is complete, you can start transacting using the new BOB savings account.
Please note that at the time of doing video KYC, the customer is required to share his/her PAN card, Aadhaar card and signature on paper. The camera of the phone should be active.
How to Open Bank of Baroda Savings Account Offline
To open a savings account in Bank of Baroda, the customer can visit the nearest branch of the bank. Below-mentioned steps explain how to open Bank of Baroda savings account offline.
Step 1: Visit Bank of Baroda’s nearest branch and fill out savings account form
Step 2: The bank official will ask you to share the basic details to open the account
Step 3: Choose the type of account you wish to open
Step 4: Provide the banking official with self-attested copies of Aadhaar card and PAN card
Step 5: Submit the form along with the cash deposit slip or demand draft and other proof of your identity, income, and residence
Step 6: Upon successful verification by bank officials, your account will be opened
Bank of Baroda will provide you with a welcome kit containing Baroda debit card, chequebook, and other documents for your future reference.
FAQs
Q. What is the key benefit of mobile banking (bob World)?
Ans. Bob World app allows you to avail more than 220 banking services around the clock conveniently from your mobile phone.
Q. Can an NRI be a nominee?
Ans. Yes, an NRI can be a nominee subject to change control regulations in force from time to time.
Q. Can an NRI customer access mobile banking?
Ans. Yes, NRI customers can access mobile banking facility and do transactions subject to RBI guidelines.
Q. Can I open zero balance account in BOB?
Ans. Yes, you can open a zero balance account in BOB. Names of some zero balance savings accounts are – Baroda Super Salary Account, Baroda Salary Privilege, Baroda Champ Account, and Baroda Salary Premium Account.
Q. How many savings accounts can I open in BOB?
Ans. You can have multiple savings accounts in Bank of Baroda. This is provided to enable customers to avail multiple facilities with the same bank as not all facilities are available with all bank accounts.
Q. Can I open Bank of Baroda savings account in a different city?
Ans. If you wish to open a Bank of Baroda’s savings account in a different city then you will need to submit proof of your address in that city validated by your Aadhaar card, passport, driving license or voter id card.
Q. Is it mandatory to provide mobile number at the time of opening Bank of Baroda savings account?
Ans. It is not mandatory for you to register your mobile number at the time of opening Bank of Baroda savings accounts. But it is recommended provide your mobile number at the time of opening BOB savings account to avail banking services and updates via your registered mobile number. Also, if you do not provide your mobile number, you will not be able to avail mobile banking, net banking or SMS banking.
Q. Do I need to link my bank account with Aadhaar card?
Ans. You will have to link your savings account with your Aadhar card if you intend to avail government subsidies in this bank account. To know how to link your bank account with Aadhaar, click here.
Note: The information on this page may not be updated. Kindly refer to the bank website to check the latest information.