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Baroda 3-in-1 Account

Baroda 3-in-1 links a Bank of Baroda savings account with BOBCAPS demat and trading accounts. The Bank page provides online opening, a form and callback routes; BOBCAPS publishes a six-step digital onboarding flow, while brokerage and depository charges must be checked in the current BOBCAPS schedule before opening.

Service typeIntegrated savings, demat and trading account arrangement: the savings account is maintained with Bank of Baroda, while demat and trading accounts are opened and maintained by wholly owned subsidiary BOBCAPS Ltd.Fees and brokerageThe Bank of Baroda page does not publish a numeric fee or brokerage schedule for the 3-in-1 account; it directs customers to BOBCAPS for brokerage plans and other offers.Account-opening eligibilityFor the digital-opening prompt, the published condition is resident Indian individual, age 18 or above, with PAN, Aadhaar, Aadhaar-linked mobile, valid email, camera/microphone and location-enabled device; existing Bank of Baroda savings customers may initiate demat and trading opening directly.
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Quick eligibility check

Baroda 3-in-1 Account

0 of 9 answered

Answer what you know. This guide compares your answers with the criteria published for this product; it is not an approval decision. Your answers stay on this device.

1Do you meet this requirement: a bank-account number is required for the Demat account and dividend/interest credits?

Published source: Account-opening documents

2Do you meet this requirement: Existing Bank of Baroda savings-account holders can start the demat and trading account journey?

Published source: Customer type

3Does your age meet this requirement: the page also provides digital opening for resident Indian individuals aged 18 or above who do not already have a Bank account?

Published source: Customer type

4Do you meet this requirement: existing Bank of Baroda savings customers may initiate demat and trading opening directly?

Published source: Account-opening eligibility

5Do you meet this requirement: Existing Bank of Baroda savings customers have a direct linked-account route?

6Document checkDo you have this required document or proof: PAN and identity/address proof?

Published source: Account-opening documents

7Document checkDo you have this required document or proof: Recent photograph and original documents for DP verification?

Published source: Account-opening documents

8Document checkDo you have this required document or proof: Bank-account number for dividend/interest credits and account linkage?

Published source: Account-opening documents

9Document checkDo you have this required document or proof: Aadhaar and Aadhaar-linked mobile for the Bank's digital-opening prompt?

Published source: Account-opening documents
0 of 9 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 28 Sept 2026 · active
Offered byBank of Baroda

India; eligibility, branch and channel availability follow the official product terms

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

Account-opening documentsThe page’s account-opening guidance lists identity/address proof, PAN, photograph and original-document verification through the DP; a bank-account number is required for the Demat account and dividend/interest credits.View source
The official lists the proof requirements and bank-account linkage.
Source
Baroda 3-in-1 Account
Page / section
— Account opening / Documents
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
Service typeIntegrated savings, demat and trading account arrangement: the savings account is maintained with Bank of Baroda, while demat and trading accounts are opened and maintained by wholly owned subsidiary BOBCAPS Ltd.View source
The official page describes the three linked account components and their providers.
Source
Baroda 3-in-1 Account
Page / section
Introduction
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Customer typeExisting Bank of Baroda savings-account holders can start the demat and trading account journey; the page also provides digital opening for resident Indian individuals aged 18 or above who do not already have a Bank account.View source
The page states existing savings customers can initiate the journey and publishes the resident-individual age condition for digital opening.
Source
Baroda 3-in-1 Account
Page / section
Introduction and account-opening prompt
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Fees and brokerageThe Bank of Baroda page does not publish a numeric fee or brokerage schedule for the 3-in-1 account; it directs customers to BOBCAPS for brokerage plans and other offers.View source
The complete page says to visit BOBCAPS for brokerage plans and offers but gives no numeric schedule.
Source
Baroda 3-in-1 Account
Page / section
Introduction — Brokerage Plans
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Account-opening eligibilityFor the digital-opening prompt, the published condition is resident Indian individual, age 18 or above, with PAN, Aadhaar, Aadhaar-linked mobile, valid email, camera/microphone and location-enabled device; existing Bank of Baroda savings customers may initiate demat and trading opening directly.View source
The official opening prompt publishes identity, age, contact and device requirements.
Source
Baroda 3-in-1 Account
Page / section
Account-opening prompt and Introduction
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
AvailabilityAvailable in India through Bank of Baroda and its wholly owned BOBCAPS subsidiary, subject to account-opening and depository-participant requirements.View source
The page identifies the Bank of Baroda account and BOBCAPS subsidiary arrangement for Indian customers.
Source
Baroda 3-in-1 Account
Page / section
Introduction and account-opening prompt
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Account structureThe savings-bank account is opened and maintained with Bank of Baroda. The demat and trading accounts are opened and maintained by BOBCAPS Ltd., a wholly owned Bank subsidiary. Existing Bank savings-account holders can initiate both linked accounts in one journey.View source
The current page explicitly separates the Bank savings account from the BOBCAPS demat/trading accounts and describes the existing-customer journey.
Source
Baroda 3-in-1 Account — current Bank of Baroda product page
Page / section
Introduction, lines 164–172
Accessed
28 Sept 2026
Confidence
high
Open official source ↗
Digital opening and service accessThe Bank highlights a fully digitised online demat and trading account, a seamless platform, 100% paperless opening and an experienced relationship manager. BOBCAPS describes its retail-broking account opening as 100% digital and lists six online steps.View source
The current Bank page highlights paperless digital opening; BOBCAPS gives the six-step online route.
Source
Capital Markets — Retail Broking
Page / section
Retail Broking, lines 21–71
Accessed
28 Sept 2026
Confidence
high
Open official source ↗
Opening and service channelsThe current Bank page provides Open Now, Download Form and Request Callback routes, and directs brokerage plans and offers to BOBCAPS. BOBCAPS provides online account opening, online trading login, a retail-broking platform and call-and-trade support.View source
The Bank publishes three opening routes and links BOBCAPS for brokerage plans and offers; BOBCAPS publishes its platform and support channels separately.
Source
Baroda 3-in-1 Account — current Bank of Baroda product page
Page / section
Introduction and opening links, lines 168–175
Accessed
28 Sept 2026
Confidence
high
Open official source ↗
Brokerage and depository chargesThe Bank's current product page does not publish a numeric brokerage or depository-charge schedule; it directs customers to the official BOBCAPS site for brokerage plans and other offers. The reviewed BOBCAPS retail-broking page also does not show numeric charges, so the amount remains unlisted rather than inferred.View source
The official Bank page says to visit BOBCAPS for brokerage plans and offers but provides no amount; the current BOBCAPS retail page likewise provides no numeric schedule.
Source
Baroda 3-in-1 Account — current Bank of Baroda product page
Page / section
Brokerage Plans, line 172; corroborated by BOBCAPS Retail Broking page
Accessed
28 Sept 2026
Confidence
high
Open official source ↗
Depository-account rulesThe current FAQ says an investor may have accounts with more than one Depository Participant and more than one account with the same DP. Securities held in different ownership patterns require separate demat accounts, joint demat accounts cannot operate on an either-or-survivor basis, and closure/transfer is requested through the DP's prescribed form.View source
The set publishes the -choice, ownership-pattern, joint-operation and closure/transfer rules.
Source
Baroda 3-in-1 Account — current Bank of Baroda product page
Page / section
Displayed on , ownership pattern, joint operation and account closure, lines 203–254
Accessed
28 Sept 2026
Confidence
high
Open official source ↗
Bank-account linkage and standing instructionA bank-account number is required when opening the demat account so dividend or interest credits can be paid and the DP can open the account. The FAQ also explains that a standing instruction lets the investor receive securities without submitting a receipt-in slip for every purchase; later bank-account changes must be reported to the DP.View source
The current explains the bank-account number, change-notification and standing-instruction requirements.
Source
Baroda 3-in-1 Account — current Bank of Baroda product page
Page / section
on bank details and standing instruction, lines 207–208 and 242–246
Accessed
28 Sept 2026
Confidence
high
Open official source ↗
BOBCAPS retail-broking featuresBOBCAPS lists demat and trading, research reports, research calls, an online trading login and call-and-trade/customer support. Its six digital-opening steps are PAN/mobile/email, address, bank-account verification, profile and exchange selection, live-image IPV and electronic signing/submission.View source
The current BOBCAPS page publishes the six-step flow and the listed retail-broking services.
Source
Capital Markets — Retail Broking
Page / section
Six Easy Steps and One Platform for All Your Investing Needs, lines 34–86
Accessed
28 Sept 2026
Confidence
high
Open official source ↗
BOBCAPS provider registrationsBOBCAPS publishes SEBI registrations as a stock broker (INZ000159332), Category I merchant banker (INM000009926), research analyst (INH000000040, valid to 1 February 2030) and depository participant (IN-DP-728-2022), plus AMFI registration ARN-19908 valid to 26 December 2026.View source
The current BOBCAPS page publishes its provider registrations and validity dates.
Source
Capital Markets — Retail Broking
Page / section
Footer registrations, lines 166–173
Accessed
28 Sept 2026
Confidence
high
Open official source ↗

Benefits and features

  • Integrated savings, demat and trading arrangement
  • 100% paperless digital opening highlighted by the Bank and BOBCAPS
  • BOBCAPS platform for demat/trading, research reports and research calls
  • Existing Bank savings customers can initiate the linked demat/trading journey in one go
  • Call-and-trade and customer-support route published by BOBCAPS

Eligibility

  • The digital-opening prompt is for resident Indian individuals aged 18 or above with , Aadhaar, Aadhaar-linked mobile, valid email, camera/microphone and device location
  • Existing Bank of Baroda savings customers have a direct linked-account route
  • Demat accounts follow depository-participant requirements, including matching ownership pattern for securities

Passing a listed condition does not mean the bank will approve an application.

Documents the bank lists

  • and identity/address proof
  • Recent photograph and original documents for verification
  • Bank-account number for dividend/interest credits and account linkage
  • Aadhaar and Aadhaar-linked mobile for the Bank's digital-opening prompt
  • Valid email, operational mobile, camera/microphone and location-enabled device for online opening

Related official documents

Baroda 3-in-1 official spotlight artwork routeofficial-product-image · inaccessible-cache-miss · accessed 28 Sept 2026
↗
Baroda 3-in-1 Account — current Bank of Baroda product pageofficial-product-page · current · accessed 28 Sept 2026
↗
BOB Capital Markets — Retail Brokingofficial-subsidiary-product-page · current · accessed 28 Sept 2026
↗

Plan before applying

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Savings account · Published detailOpened and maintained with Bank of Baroda

This value is copied from Baroda 3-in-1 components and opening routes. Check the table notes before relying on it.

Source: Baroda 3-in-1 Account — current Bank of Baroda product page · Introduction and opening links, lines 164–175; BOBCAPS Retail Broking corroboration Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 7 rows · 2 columnsBaroda 3-in-1 components and opening routesCurrent Bank-of-Baroda account ownership, opening and provider details.View tableHide table

Scroll sideways to view every column

Baroda 3-in-1 components and opening routes
Component / routePublished detail
Savings accountOpened and maintained with Bank of Baroda
Demat accountOpened and maintained by wholly owned subsidiary BOBCAPS Ltd.
Trading accountOpened and maintained by wholly owned subsidiary BOBCAPS Ltd.
Existing-customer routeExisting Bank savings-account holders can initiate demat and trading opening in one journey
Bank opening routesOpen Now; Download Form; Request Callback
Brokerage plansVisit the official BOBCAPS site; no numeric schedule is displayed on the reviewed Bank page
BOBCAPS retail servicesDemat; trading; research reports; research calls; online trading; call and trade
Baroda 3-in-1 Account — current Bank of Baroda product page · Introduction and opening links, lines 164–175; BOBCAPS Retail Broking corroboration · accessed 28 Sept 2026Open official source ↗
Table 2 · 7 rows · 2 columnsPublished demat and DP rulesDecision-useful rules from the current Bank of Baroda FAQ set.View tableHide table

Scroll sideways to view every column

Published demat and DP rules
TopicPublished rule
More than one Permitted; there is no restriction on the number of or accounts with
Ownership patternSecurities held in different ownership patterns require separate demat accounts
Bank-account detailsRequired for dividend/interest credits; later changes must be reported to the
account openingSubmit prescribed form, identity/address proof, photograph and original documents for verification
Standing instructionMay be selected so a receipt-in slip is not required for each purchase
Joint operationDemat account cannot be operated on an either-or-survivor basis
Account closure/transferSubmit the prescribed closure request; the transfers securities and closes the account
Baroda 3-in-1 Account — current Bank of Baroda product page · Displayed , lines 203–254 · accessed 28 Sept 2026Open official source ↗
Table 3 · 6 rows · 2 columnsBOBCAPS digital account-opening stepsThe current BOBCAPS Retail Broking page's six-step online onboarding flow.View tableHide table

Scroll sideways to view every column

BOBCAPS digital account-opening steps
StepRequirement
1Submit , mobile and email
2Submit address
3Add and verify bank account
4Provide profile details and select exchanges
5Complete IPV via live image
6E-sign the application and submit
Capital Markets — Retail Broking · Get Started Today — 6 Easy Steps to Open Online Account, lines 34–71 · accessed 28 Sept 2026Open official source ↗

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