Bank of Baroda Savings Account Opening Online

By Adnan Ali

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Updated on: Mar 25th, 2024

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22 min read

With personalised services and various benefits, a Bank of Baroda provides various types of savings accounts.  Go through this guide to learn about How to Open a BOB savings account online and Offline. Different types of BOB savings accounts, their charges, limits, and other essential details are also given.

Bank of Baroda Savings Account Online

Follow the steps mentioned below if you are looking for how to open a Bank of Baroda savings account online:

  1. Download the Bank of Baroda app on your mobile phone.
  2. You will find three horizontal lines in the top left corner, click it and select ‘Accounts’.
  3. Select the ‘Open a Savings Account Digitally’ option.
  4. If you agree with their terms and conditions, click on the ‘Yes’ option. 
  5. Provide your contact details including product type and bank sub-product. 
  6. Press the 'Generate OTP' button to receive the code.
  7. Provide your PAN card and Aadhaar card numbers. After completion, the bank officials will verify your provided details and contact you for further verification.
  8. Complete your video KYC for verification.

Upon completion of your video KYC verification, you can start using your new BOB savings account.

Bank of Baroda Savings Account Offline

To perform the Bank of Baroda savings account opening process offline, follow these steps:

  1. Go to the nearest Bank of Baroda branch.
  2. Ask the bank officials for the Bank of Baroda account opening form and fill out the details.
  3. Choose the type of savings account you prefer to open.
  4. Provide the required details following the 'Know Your Customer' (KYC) format, such as address proof, identity proof, and passport-size photographs.
  5. Attach the necessary documents with the application form and a cash deposit slip or demand draft.

After the bank officials verify your details, your savings account will be opened.

Eligibility Criteria for Opening Baroda Bank Savings Account

To open a Bank of Baroda savings account you need to meet the following eligibility criteria:

  • You must be an Indian citizen and should be at least 18 years or above. 
  • Minors can also open their BOB savings accounts with the help of their parents.
  • You must also have a valid identity and address proof to open the savings account. 

Documents Required for Baroda Bank Savings Account

The following is the list of documents required for the Bank of Baroda savings account opening:

  1. Address Proof
  • Aadhaar card
  • Passport
  • Salary slip
  • Utility Bills
  • Bank statement
  • Ration card
  • Income tax assessment order
  • Registered sale deed or lease agreement
  • Pension payment orders
  1. Identity Proof
  • Government/Defence ID Card
  • Aadhaar card
  • PAN card
  • NREGA job card
  • Photo ID cards issued by Post Offices
  • Voter ID card
  • Employee ID
  • Driving licence
  • Photo identity cards issued to students and approved by the All India Council for Technical Education (AICTE) or by the University Grants Commission (UGC)
  1. Two passport-size photographs

Bank of Baroda Bank Saving Account Types

Here is a list of different types of Bank of Baroda savings accounts that you can avail:

  1. Baroda Family Savings Accounts
  2. Baroda Senior Citizen Privilege Savings Account
  3. BOB BRO Savings Account
  4. Baroda Professional Savings Bank Account
  5. BOB LITE Savings Account
  6. Baroda Mahila Shakti Savings Account
  7. Baroda Pensioners Savings Bank Account
  8. Baroda Platinum Savings Bank Account
  9. Baroda Jeevan Suraksha Saving Account
  10. Baroda Champ Account
  11. Baroda SB Self-Help Group Account

Bank of Baroda Savings Account Minimum Balance

Different types of Bank of Baroda savings accounts require you to maintain different minimum balances. The following table mentions the minimum balance of different types of savings accounts:

Savings Account TypeAmount (in Rs.)
Baroda Family Savings AccountsRs. 50,000 to  Rs. 5,00,000
Baroda Senior Citizen Privilege Savings Account

Rural - Rs. 500

Semi-Urban - Rs. 1,000

Urban or Metro - Rs. 2,000

BOB BRO Savings AccountRs. 0
Baroda Professional Savings Bank AccountRs. 25,000
BOB LITE Savings AccountRs. 0
Baroda Mahila Shakti Savings Account

Rural - Rs. 1,000

Semi-Urban - Rs. 2,000

Urban or Metro - Rs. 3,000

Baroda Pensioners Savings Bank AccountRs. 0
Baroda Platinum Savings Bank AccountRs. 1,00,000
Baroda Jeevan Suraksha Saving AccountRs. 1,000
Baroda Champ AccountRs. 0
Baroda SB Self-Help Group AccountRs. 1,000

Bank of Baroda Saving Account Charges

Here is a list of BOB savings account charges that you need to incur to maintain a savings account in the Bank of Baroda:

Types of Charges Charges
Transaction charges

Urban or Metro - Rs. 15 per debit (exceeding 50 debit entries) 

Rural or Semi-Urban - Rs. 12 per debit (exceeding 50 debit entries)

Stop payment instructions charges

Urban or Metro - Rs. 100 per instrument

Rural or Semi-Urban - Rs. 75 per instrument

Passbook issuance charges

Urban or Metro - Rs. 200 per occasion

Rural or Semi-Urban - Rs. 175 per occasion

Cheque book issuance charges

Urban or Metro - Rs. 4 per cheque leaf

Rural or Semi-Urban - Rs. 2.50 per cheque leaf

Loss of complete blank cheque charges

Urban or Metro - Rs. 500

Rural or Semi-Urban - Rs. 400 

Addition or deletion of names in joint accounts

Urban or Metro - Rs. 200 per occasion

Rural or Semi-Urban - Rs. 175 per occasion

Account opening charges with restrictive operations Rs. 100
SMS alerts and charges Rs. 20 paise per SMS + GST up to Rs. 15 + GST per month
Inoperative account chargesNIL
Issuing interest certificate chargesNIL

Bank of Baroda Bank Saving Account Limit

Here is a table that mentions the transaction limits of different types of Bank of Baroda Bank savings accounts:

Bank of Baroda Bank Savings AccountTransaction Limit
Baroda Family Savings AccountsRs. 50,000 per day
Baroda Senior Citizen Privilege Savings AccountUnlimited transactions
BOB BRO Savings AccountRs. 50,000 per day
Baroda Professional Savings Bank AccountRs. 5,00,000 per day
BOB LITE Savings AccountRs. 50,000 per day
Baroda Mahila Shakti Savings AccountRs. 50,000 per day
Baroda Pensioners Savings Bank AccountUnlimited transactions
Baroda Platinum Savings Bank AccountRs. 20,000 per day
Baroda Jeevan Suraksha Saving AccountRs. 50,000 per day
Baroda Champ AccountRs. 50,000 per day
Baroda SB Self-Help Group AccountNIL

Bank of Baroda Bank Saving Account Customer Care Number

If you face any issues or have queries regarding the Bank of Baroda savings account, you can contact them through the following customer care numbers:

  • Domestic: 1800 5700 
  • Customers Calling From Abroad: +91 79-66296009

Related Articles:
1. ICICI Bank Savings Account Opening Online & Offline
2. How to Open SBI Saving Account Online & Offline?
3. How to Open HDFC Bank Savings Account Online & Offline?
4. Kotak Mahindra Bank Savings Account Opening Online & Offline
5. Union Bank Savings Account Opening Online & Offline
6. Bank of Maharashtra Savings Account Opening Online
Related Savings Interest Articles:
1. Axis Bank Savings Account Interest Rate
2. Punjab National Bank (PNB) Savings Account
3. Bank of Baroda (BOB) Savings Account
4. ICICI Bank Savings Account Interest Rate
5. Union Bank Savings Account Interest Rate
6. HDFC Bank Savings Account Interest Rate
7. Canara Bank Savings Account Interest Rate
8.SBI Savings Account Interest Rate

Frequently Asked Questions

What is the minimum balance in the Bank of Baroda savings account?

Different types of Bank of Baroda savings accounts have different minimum balances. This minimum balance ranges from Rs. 0 to Rs. 5,00,000.

Is it possible to open a zero balance account with the Bank of Baroda?

Yes, the Bank of Baroda allows you to open a zero-balance account. You are not required to maintain any minimum balance to maintain this account. 

What documents are required to open a savings account in the Bank of Baroda?

You need to provide identity proof and address proof documents like an Aadhaar card, PAN card, etc. to open a savings account in the Bank of Baroda. 

Who is eligible for a zero balance account in BOB?

Any Indian resident around 18 years of age is eligible to open a zero balance savings account in BOB.

What are the different types of savings accounts available in BOB?

The BOB provides different types of savings accounts that are tailored to the needs of different types of customers from minor to senior citizens.

Is BoB a government bank?

The BOB provides different types of savings accounts that are tailored to the needs of different types of customers from minor to senior citizens.

Is BoB a government bank?

Yes, the Bank of Baroda is one of the government banks that provides various banking and financial services to customers.

About the Author

I am a curious person, and Finance is at the top of my list of interests. With more than 5 years of experience in fintech, I am an expert in lending, investment and personal finance. I believe the Devil lies in details, so I dig a lot before writing anything and armed my writing pieces with figures and facts. Read more

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Quick Summary

Bank of Baroda offers different types of savings accounts with personalized services. To open an account, follow steps online or offline with required documents. Eligibility criteria include being an Indian citizen with valid identity and address proof. Various account types have different minimum balance requirements and charges. Transaction limits also vary based on account type. Customer care numbers are available for queries.

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