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Savings, current & salary accounts

bob ADVANTAGE Current Account

A standard location-tiered current account with 50 free cheque leaves, five free monthly cash withdrawals and a first-year-free business debit card.

Interest rateNo interest is payable on the current-account balance. If the account holder dies, savings-bank interest is paid from the date of death until settlement; any sweep deposit earns the applicable term-deposit rate separately.Quarterly average balanceRural ₹2,000; semi-urban ₹5,000; urban/metro ₹10,000Salary requirementNot applicable — the reviewed product is not a salary-account variant and its official eligibility/features do not require salary credit or a minimum salary.
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Quick eligibility check

bob ADVANTAGE Current 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.

1Does your age meet this requirement: Individuals, including minors aged 14 years and above?

2Do you meet this requirement: registered and unregistered trusts?

3Do you meet this requirement: businessmen and professionals?

4Do you meet this requirement: Hindu Undivided Families (HUF)?

5Do you meet this requirement: proprietorship and partnership firms?

6Document checkDo you have at least one of these required documents: PAN or Form 60 is mandatory when opening the account under the applicable Reserve Bank of India rules?

7Document checkDo you have at least one of these required documents: For individuals, one officially valid document such as a recent utility bill (electricity, telephone, postpaid mobile, piped gas or water), property/municipal tax receipt, pension or family-pension payment order showing address, or a qualifying employer accommodation allotment/leave-and-licence document?

8Document checkDo you have this required document or proof: For trusts, HUFs, proprietorships, partnerships, companies, clubs, associations, government bodies, panchayat samities, societies, banks and financial institutions: constitution, authorisation, address, identity and beneficial-owner/KYC records applicable to that entity?

9Document checkDo you have at least one of these required documents: PAN or Form 60 and applicable KYC/entity documents?

0 of 9 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 29 Sept 2026 · active
bob ADVANTAGE Current Account official artwork
Offered byBank of Baroda

Bank of Baroda branches in India

Key facts

What the official sources publish

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

Quarterly average balanceRural ₹2,000; semi-urban ₹5,000; urban/metro ₹10,000View source
The structured fee table controls; the states a conflicting semi-urban threshold and is retained as an unresolved page discrepancy.
Source
bob ADVANTAGE Current Account
Page / section
Fees & Charges
Accessed
13 Aug 2026
Confidence
medium
Open official source ↗
QAB non-maintenance chargeMetro ₹800; urban ₹600; rural/semi-urban ₹400View source
Charges are published by branch location.
Source
bob ADVANTAGE Current Account
Page / section
Fees & Charges
Accessed
13 Aug 2026
Confidence
high
Open official source ↗
Free cheque leavesFirst 50 leaves free; subsequent leaves ₹5 eachView source
The official page specifies the free first cheque book and subsequent per-leaf charge.
Source
bob ADVANTAGE Current Account
Page / section
Features — Cheque Book
Accessed
21 Aug 2026
Confidence
high
Open official source ↗
Debit cardVisa Vyapaar Business Debit Card is issued; the first year is free and charges apply after the first year.View source
Vyapaar Business Debit Card will be issued; it is free for the 1st year and charges are levied thereafter.
Source
bob ADVANTAGE Current Account
Page / section
Fees & charges — Debit Card
Accessed
7 Sept 2026
Confidence
high
Open official source ↗
bob ADVANTAGE current-account QABMinimum quarterly average balance is ₹2,000 in rural branches, ₹5,000 in semi-urban branches and ₹10,000 in urban/metro branches. Non-maintenance charges are ₹400, ₹400 and ₹600/₹800 respectively as published for the locations.View source
The official Fees and charges section publishes location-wise and charges.
Source
bob ADVANTAGE Current Account
Page / section
Fees & charges
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
bob ADVANTAGE current-account servicesThe account offers internet banking, mobile banking for individuals/proprietorships, missed-call and value-added SMS alerts, Baroda Vyapaar card, five free monthly branch cash withdrawals, first 50 cheque leaves free, one Soundbox QR, BCMS/IPG/POS/QR/BHIM and first-year debit-card issuance free subject to eligibility.View source
The official Benefits and Features sections publish balance-linked services and free allowances.
Source
bob ADVANTAGE Current Account
Page / section
Benefits / Features
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
bob ADVANTAGE cash and cheque feesAt base/local branches, cash deposits above ₹50,000 or 10 packets/1,000 notes attract ₹10 per packet (minimum ₹10, maximum ₹10,000 per day/transaction); outstation deposits above ₹25,000 cost ₹2.50 per ₹1,000. First cheque book of 50 leaves is free, later leaves ₹5 each, and closure within one year costs ₹800 plus GST.View source
The official Fees and charges section publishes cash, cheque and closure pricing.
Source
bob ADVANTAGE Current Account
Page / section
Fees and charges
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
Salary requirementNot applicable — the reviewed product is not a salary-account variant and its official eligibility/features do not require salary credit or a minimum salary.View source
The reviewed account catalogue and linked product pages classify these variants as current, savings, inclusion, pensioner or locker products and do not state a salary-credit requirement.
Source
Bank of Baroda account catalogue — non-salary variants
Page / section
Account categories and linked product eligibility
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
Interest rateNo interest is payable on the current-account balance. If the account holder dies, savings-bank interest is paid from the date of death until settlement; any sweep deposit earns the applicable term-deposit rate separately.View source
The checked current-account pages publish no interest on the current-account balance, with a deceased-account settlement exception; their sweep sections separately refer to term-deposit interest.
Source
Bank of Baroda current-account — interest payment
Page / section
Most Important Terms and Conditions — Interest Payment
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
Cheque bookThe first cheque book of 50 leaves is free; subsequent leaves cost ₹5 each.View source
The page states that the first cheque book of 50 leaves is free and subsequent cheque leaves cost ₹5 each.
Source
bob ADVANTAGE Current Account
Page / section
Fees & charges — Cheque Book
Accessed
7 Sept 2026
Confidence
high
Open official source ↗
ATM / cash transaction limitsCash deposits at BOB cash machines are allowed up to ₹2,00,000 per day with PAN registered or ₹49,999 without PAN; cardless account-number transactions are allowed up to ₹20,000 per day. The page also gives five free branch cash withdrawals per month, excluding ATM withdrawals.View source
The page publishes the cash-machine deposit/cardless limits and five free monthly branch cash withdrawals, while excluding withdrawals from that branch count.
Source
bob ADVANTAGE Current Account
Page / section
Fees & charges — Cash handling; Withdrawal(s)
Accessed
7 Sept 2026
Confidence
high
Open official source ↗
Non-maintenance chargeFor a missed quarterly average balance, the charge is ₹800 in Metro branches, ₹600 in Urban branches and ₹400 in Rural/Semi-Urban branches, excluding GST.View source
The fee table lists Metro ₹800, Urban ₹600 and Rural/Semi Urban ₹400 for non-maintenance of .
Source
bob ADVANTAGE Current Account
Page / section
Fees & charges — Charges for NonMaintenance of
Accessed
7 Sept 2026
Confidence
high
Open official source ↗
Account typeCurrent accountView source
The manually reviewed product name/benefits state: “Current account”.
Source
bob ADVANTAGE Current Account — official product page
Page / section
Published account type and access benefits
Accessed
13 Aug 2026
Confidence
high
Open official source ↗

Benefits and features

  • 50 free cheque leaves
  • Five free cash withdrawals per month
  • One soundbox under published conditions
  • First-year-free Visa Vyapaar debit card

Eligibility

  • Individuals, including minors aged 14 years and above; registered and unregistered trusts; businessmen and professionals; Hindu Undivided Families (); proprietorship and partnership firms; private and public limited companies; clubs and associations; government departments; panchayat samities; charitable and public trusts; registered and unregistered societies; banks and financial institutions.
  • The account-opening checklist asks for or Form 60 and applicable /entity documents; online opening is subject to the page’s resident-Indian, age and device conditions.

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

Documents the bank lists

  • or Form 60 is mandatory when opening the account under the applicable Reserve Bank of India rules.
  • For individuals, one officially valid document such as a recent utility bill (electricity, telephone, postpaid mobile, piped gas or water), property/municipal tax receipt, pension or family-pension payment order showing address, or a qualifying employer accommodation allotment/leave-and-licence document.
  • For trusts, , proprietorships, partnerships, companies, clubs, associations, government bodies, panchayat samities, societies, banks and financial institutions: constitution, authorisation, address, identity and beneficial-owner/ records applicable to that entity.

Related official documents

bob ADVANTAGE Current Account — current product pageofficial-product-page · current · accessed 7 Sept 2026
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bob ADVANTAGE Current Account — current Bank of Baroda official product pageofficial-product-page · current · accessed 29 Sept 2026
↗
Bank of Baroda current-account MITC — interest paymentofficial-product-pages · current · accessed 29 Aug 2026
↗
Bank of Baroda current-account MITC — interest paymentofficial-product-pages · current · accessed 29 Aug 2026
↗
Bank of Baroda non-salary current, savings and scheme accountsofficial-product-pages · current · accessed 29 Aug 2026
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Plan before applying

Try the numbers

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Account interest estimate

See roughly how much interest a steady account balance could earn over the period you choose.

Interest you may earn₹2,700two thousand seven hundred rupees
Balance including interest₹1,02,700one lakh two thousand seven hundred rupees

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

Use the published table

Find the exact published value

Choose a table, then pick its row and column. This shows the exact entry published by the bank or insurer without making you scan every cell.

ADVANTAGE / / OTHER BANKS · Current-account balanceNo interest payable

This value is copied from Current-account interest payment. Check the table notes before relying on it.

Source: Bank of Baroda current-account — interest payment · Most Important Terms and Conditions — Interest Payment Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 4 rows · 3 columnsCurrent-account interest paymentInterest treatment repeated in the checked Bank of Baroda current-account MITCs.View tableHide table

Scroll sideways to view every column

Current-account interest payment
VariantCurrent-account balanceException / separate sweep treatment
ADVANTAGE / / OTHER BANKSNo interest payableSavings-bank interest only from death until settlement; sweep deposits use term-deposit rate
DIAMOND / PREMIUM / STARTUP / SCALE-UPNo interest payableSame current-account rule
GOLD / LITE / PLATINUM / RHODIUMNo interest payableSame current-account rule
SMART / SUPREME / WOMEN POWERNo interest payableSame current-account rule
  • The zero applies to the current-account balance, not to a separate sweep/term deposit.
Bank of Baroda current-account — interest payment · Most Important Terms and Conditions — Interest Payment · accessed 29 Aug 2026Open official source ↗
Table 2 · 18 rows · 2 columnsbob ADVANTAGE Current Account — current published termsDecision-useful transcription of the current official page, including the full eligibility list and fee/limit details.View tableHide table

Scroll sideways to view every column

bob ADVANTAGE Current Account — current published terms
AreaPublished detail
Account typeCurrent account for frequent transactions by individuals, firms, companies and institutions.
BenefitsInternet banking; mobile banking for individual/proprietorship accounts; missed-call and value-added alerts; Baroda Vyapaar card; free monthly statement; nomination; balance certificate; complementary credit card only for the first account holder and subject to separate BOBFSL underwriting.
Free allowancesFive free cash-withdrawal transactions per month at base, local non-base and outstation branches, excluding ; first 50 cheque leaves free; one Soundbox .
Digital and payment facilitiesBCMS, IPG, , , Soundbox and facilities are available under their respective guidelines; the page also lists free online //-related facilities where applicable.
Soundbox waiver100% monthly-rental waiver for additional Soundbox devices, subject to minimum transactions of ₹1,00,000 per machine per month over complementary Soundboxes.
Debit card Vyapaar DI Business Debit Card; first-year issuance free, with charges after the first year.
requirementRural ₹2,000; Semi-Urban ₹5,000; Urban/Metro ₹10,000. means quarterly average balance.
shortfall chargeExcluding : Metro ₹800; Urban ₹600; Rural/Semi-Urban ₹400.
Cash deposits at base/local branchesBeyond ₹50,000 or beyond 10 packets/1,000 notes (whichever is higher), ₹10 per packet or part thereof; minimum ₹10 and maximum ₹10,000 per day/transaction.
Cash deposits at outstation branchesAbove ₹25,000 per day per account: ₹2.50 per ₹1,000 or part thereof.
Cash machinesDebit-card cash deposit up to ₹2,00,000 per day with registered, ₹49,999 without ; cardless account-number transaction up to ₹20,000 per day; maximum 1,000 notes; suspicious/fake notes are impounded and torn/mutilated/taped notes are not accepted.
Cheque bookFirst cheque book of 50 leaves free; subsequent leaves ₹5 each.
Account closureClosure within one year: ₹800 plus ; transfer is free on written request.
InterestNo interest on the current-account balance, except savings-bank interest from the date of death until settlement for a deceased account; sweep deposits use the applicable term-deposit rate.
TransactionsGenuine purpose-oriented transactions are allowed without a numerical count restriction, subject to ledger-folio charges; transfer transactions require one debit or credit entry at the transferring branch.
EligibilityIndividuals (including minors aged 14+), trusts, businessmen/professionals, , proprietorship/partnership firms, private/public limited companies, clubs/associations, government departments, panchayat samities, charitable/public trusts, societies, banks and financial institutions.
Documents/Form 60 is mandatory; individuals need an applicable OVD such as recent utility bill, property/municipal tax receipt, pension payment order with address or qualifying employer accommodation document. Entity-specific constitution, authorisation, address and /beneficial-owner records apply by constitution.
Account-opening checklistThe online-opening prompt asks for , Aadhaar, registered mobile, email, internet/camera/microphone and browser location; it states resident Indian individuals aged 18+ without a Bank account can use that facility.
  • The Fees & Charges table is the controlling source for (Rural ₹2,000; Semi-Urban ₹5,000; Urban/Metro ₹10,000). The presents a conflicting relabelling of semi-urban and urban values; that discrepancy is preserved in the audit rather than silently merged.
  • The account page says complementary credit-card issuance is separately underwritten by BOBFSL and is not a guaranteed card benefit.
  • The current official artwork was already verified on 2026-08-13 and the optimized WebP is reused; no duplicate image download was performed.
bob ADVANTAGE Current Account — current Bank of Baroda official page · Benefits; Features; Eligibility; Documents Required; Fees & Charges; ; · accessed 29 Sept 2026Open official source ↗

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