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Savings, current & salary accounts

bob Advantage Saving Account

A standard savings account with branch-category monthly balance requirements, no published non-maintenance charge and daily interest calculation with quarterly credit.

Savings interest rate2.50% p.a. up to ₹50 crore; 2.75% from ₹50 crore to below ₹500 crore; 3.50% from ₹500 crore to below ₹1,000 crore; 4.50% from ₹1,000 crore to below ₹2,000 crore; 4.75% from ₹2,000 crore and above.Minimum monthly average balance with cheque book₹2,000 metro/urban; ₹1,000 semi-urban; ₹500 ruralSalary 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.
Official product page ↗Compare category

Quick eligibility check

bob Advantage Saving 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.

1Are you this type of customer: Resident individuals and eligible non-individuals under RBI guidelines?

Published source: Eligibility

2Are you this type of customer: Resident individuals, including single or joint holders?

3Does your age meet this requirement: the FAQ includes minors above age 10 who can read and write independently, subject to the bank's minor-account rules?

4Do you meet this requirement: Eligible non-individuals under RBI and Bank of Baroda rules include clubs, societies, provident funds and trusts that meet the stated constitution/registration conditions?

5Do you meet this requirement: The page allows singly or jointly operated accounts with the listed survivor mandates and supports RLBO, TAB and V-KYC account-opening modes?

6Document checkDo you have at least one of these required documents: PAN card or Form 60?

Published source: Eligibility

7Document checkDo you have at least one of these required documents: For individuals: one officially valid document such as passport, driving licence, Aadhaar possession proof, voter ID, NREGA job card or NPR letter; a permitted recent utility bill/property-tax receipt/PPO may be used as a deemed address document where the OVD address is outdated?

Published source: Eligibility

8Document checkDo you have at least one of these required documents: For proprietorships, partnerships, trusts and unincorporated associations: registration or partnership/trust deed, PAN/Form 60, authorised signatory/POA evidence, OVDs and photographs as applicable?

Published source: Eligibility

9Document checkDo you have this required document or proof: For online opening: Aadhaar-linked mobile, valid email, internet-enabled camera/microphone device, browser location permission and a well-lit reliable network?

Published source: Eligibility
0 of 9 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 29 Sept 2026 · active
bob Advantage Saving Account official product artwork
Offered byBank of Baroda

Bank of Baroda branches and supported digital account-opening channels 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.

Minimum monthly average balance with cheque book₹2,000 metro/urban; ₹1,000 semi-urban; ₹500 ruralView source
The threshold depends on the branch category.
Source
bob Advantage Saving Account
Page / section
Features — Minimum Monthly Average Balance
Accessed
13 Aug 2026
Confidence
high
Open official source ↗
MAB non-maintenance charge₹0View source
The feature table publishes the charge as nil and links to the latest service-charge schedule for more detail.
Source
bob Advantage Saving Account
Page / section
Features — Non maintenance charges
Accessed
13 Aug 2026
Confidence
high
Open official source ↗
Maximum balance for minors aged 10–14₹1 lakhView source
No general ceiling is published; this exception applies to minors aged between 10 and 14.
Source
bob Advantage Saving Account
Page / section
Features — Maximum Amount
Accessed
13 Aug 2026
Confidence
high
Open official source ↗
Interest calculation and creditCalculated daily and credited quarterlyView source
The current interest rate is maintained on the separate deposit-interest page.
Source
bob Advantage Saving Account
Page / section
Features — Interest Calculation and Payment
Accessed
13 Aug 2026
Confidence
high
Open official source ↗
Auto-sweep facilityNot availableView source
The feature table explicitly marks auto sweep unavailable.
Source
bob Advantage Saving Account
Page / section
Features — Auto sweep facility
Accessed
13 Aug 2026
Confidence
high
Open official source ↗
Flexi fixed-deposit default tenure180 daysEffective 25 Mar 2026View source
The rendered official schedule lists this account's default period.
Source
Schemes for Website
Page / section
Page 1 - scheme sweep table
Accessed
21 Aug 2026
Confidence
high
Open official source ↗
Flexi fixed-deposit sweep-out threshold₹3,000Effective 25 Mar 2026View source
The rendered official schedule lists the balance above which funds sweep out.
Source
Schemes for Website
Page / section
Page 1 - scheme sweep table
Accessed
21 Aug 2026
Confidence
high
Open official source ↗
Flexi fixed-deposit sweep-out multiple₹1,000Effective 25 Mar 2026View source
The rendered official schedule lists the sweep-out multiple.
Source
Schemes for Website
Page / section
Page 1 - scheme sweep table
Accessed
21 Aug 2026
Confidence
high
Open official source ↗
Flexi fixed-deposit sweep-in multiple₹1,000Effective 25 Mar 2026View source
The rendered official schedule lists the sweep-in multiple.
Source
Schemes for Website
Page / section
Page 1 - scheme sweep table
Accessed
21 Aug 2026
Confidence
high
Open official source ↗
EligibilityResident individuals and eligible non-individuals under RBI guidelinesView source
The official feature table lists all resident individuals and eligible non-individuals as eligible.
Source
bob Advantage Saving Account
Page / section
Features — Eligibility
Accessed
21 Aug 2026
Confidence
high
Open official source ↗
Account opening modesRLBO, TAB and VKYCView source
The feature table names the available account-opening modes.
Source
bob Advantage Saving Account
Page / section
Features — Account Opening modes
Accessed
21 Aug 2026
Confidence
high
Open official source ↗
Cash deposit limit at cash machines₹2 lakh/day with PAN-linked debit card; ₹49,999/day without registered PANView source
The distinguishes the daily cash-deposit limits by registration.
Source
bob Advantage Saving Account
Page / section
— Cash Deposit
Accessed
21 Aug 2026
Confidence
high
Open official source ↗
Savings interest rate2.50% p.a. up to ₹50 crore; 2.75% from ₹50 crore to below ₹500 crore; 3.50% from ₹500 crore to below ₹1,000 crore; 4.50% from ₹1,000 crore to below ₹2,000 crore; 4.75% from ₹2,000 crore and above.Effective 22 Aug 2025View source
The bank publishes the same -deposit slab table for savings balances, with rates from 2.50% to 4.75% p.a.
Source
Savings Bank Deposits
Page / section
Slab-wise revised rate of interest on deposits
Accessed
21 Aug 2026
Confidence
high
Open official source ↗
Minimum-balance shortfall chargeNo charge for non-maintenance of minimum balance under savings-bank schemes; premium savings schemes are excluded from this waiver.Effective 1 Jul 2025View source
The service-charge page states zero charges on non-maintenance of minimum balance for all savings-bank schemes, excluding premium savings accounts.
Source
Service Charges
Page / section
Savings-bank minimum-balance charges
Accessed
21 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 ↗
Cheque book30 free cheque leaves per financial year; additional leaves are charged under the applicable Bank of Baroda service-charge schedule.View source
The product feature table states that 30 cheque leaves are free per financial year; charges for additional leaves follow the applicable service-charge schedule.
Source
bob Advantage Savings Account — live official product page
Page / section
Features — cheque book
Accessed
6 Sept 2026
Confidence
high
Open official source ↗
FFD scheme parametersScheme SB114 (bob ADVANTAGE SB_PEN): default FFD 180 days; sweep out when balance is above ₹3,000; sweep-out multiple ₹1,000; sweep-in multiple ₹1,000.Effective 25 Mar 2026View source
row SB114 lists 180 days, ₹3,000 threshold, ₹1,000 sweep-out and ₹1,000 sweep-in multiples.
Source
Schemes for Website — official Bank of Baroda
Page / section
Page 1, row 1
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
ATM limitsFor the debit card eligible under bob Advantage Savings, the BOB ATM service page states a maximum withdrawal of ₹15,000 per transaction and five free transactions per month. The daily withdrawal amount remains dependent on the selected debit-card variant.View source
publishes ₹15,000 maximum per transaction at its , five free transactions per month and says the daily limit depends on the debit-card type.
Source
Bank of Baroda
Page / section
— maximum withdrawal per transaction; free transactions
Accessed
7 Sept 2026
Confidence
high
Open official source ↗
Account typeSavings accountView source
The manually reviewed product name/benefits state: “Savings account”.
Source
bob Advantage Saving Account — official product page
Page / section
Published account type and access benefits
Accessed
21 Aug 2026
Confidence
high
Open official source ↗
Debit cardDebit-card eligibilityView source
The manually reviewed product name/benefits state: “Debit-card eligibility”.
Source
bob Advantage Saving Account — official product page
Page / section
Published account type and access benefits
Accessed
21 Aug 2026
Confidence
high
Open official source ↗

Benefits and features

  • Daily interest calculation with quarterly credit
  • Internet and mobile banking access
  • Debit-card eligibility
  • No published non-maintenance charge

Eligibility

  • Resident individuals, including single or joint holders; the includes minors above age 10 who can read and write independently, subject to the bank's minor-account rules.
  • Eligible non-individuals under and Bank of Baroda rules include clubs, societies, provident funds and trusts that meet the stated constitution/registration conditions.
  • The page allows singly or jointly operated accounts with the listed survivor mandates and supports RLBO, TAB and V- account-opening modes.
  • Online opening is limited to resident Indian individuals aged 18 or above who do not already hold a Bank of Baroda account and can provide , Aadhaar-linked mobile, email and device permissions.

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

Documents the bank lists

  • card or Form 60.
  • For individuals: one officially valid document such as passport, driving licence, Aadhaar possession proof, voter , NREGA job card or letter; a permitted recent utility bill/property-tax receipt/PPO may be used as a deemed address document where the OVD address is outdated.
  • For proprietorships, partnerships, trusts and unincorporated associations: registration or partnership/trust deed, /Form 60, authorised signatory/ evidence, OVDs and photographs as applicable.
  • For online opening: Aadhaar-linked mobile, valid email, internet-enabled camera/microphone device, browser location permission and a well-lit reliable network.

Related official documents

Bank of Baroda account pages and account service-charge scheduleofficial-product-pages-and-schedule · current · accessed 29 Aug 2026
↗
bob Advantage Savings Account — live official product pageofficial-product-page · current · accessed 6 Sept 2026
↗
bob Advantage Saving Account — current Bank of Baroda official pageofficial-product-page · current · accessed 29 Sept 2026
↗
Savings Bank Deposits — current Bank of Baroda rate scheduleofficial-rate-page · current · accessed 29 Sept 2026
↗
Service Charges — current Bank of Baroda savings minimum-balance and cheque rowsofficial-service-charge-page · current · accessed 29 Sept 2026
↗
Bank of Baroda ATMs — debit-card withdrawal and free-transaction rulesofficial-service-page · current · accessed 7 Sept 2026
↗
FFD Schemes for Website — official Bank of Baroda PDFofficial-document · current · accessed 29 Aug 2026
↗
Bank of Baroda non-salary current, savings and scheme accountsofficial-product-pages · current · accessed 29 Aug 2026
↗

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₹2,500two thousand five hundred rupees
Balance including interest₹1,02,500one lakh two thousand five 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.

SB114 · Scheme namebob ADVANTAGE SB_PEN

This value is copied from Bank of Baroda scheme parameters — complete table. Check the table notes before relying on it.

Source: Schemes for Website — official Bank of Baroda · Pages 1–2, complete table Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 33 rows · 6 columnsBank of Baroda FFD scheme parameters — complete PDF tableEvery row and column from the two-page official FFD Schemes PDF, including savings, current, NRE salary and named premium schemes.View tableHide table

Scroll sideways to view every column

Bank of Baroda FFD scheme parameters — complete PDF table
Scheme codeScheme nameDefault periodSweep out when balance aboveSweep out in multiplesSweep in multiple
SB114bob ADVANTAGE SB_PEN180 days₹3,000₹1,000₹1,000
SB117bob SUPER SAVINGS181 days₹50,000₹10,000₹1,000
SB129bob GOVT BODIES SAVINGS ACCOUNT180 days₹5,00,000₹50,000₹50,000
SB134bob JEEVAN SURAKSHA 180 days₹5,000₹5,000₹1,000
SB156bob CHAMP ACCOUNT180 days₹5,000₹5,000₹5,000
SB171bob Platinum Savings Account181 days₹2,00,000₹10,000₹1,000
SB174bob SALARY CLASSIC181 days₹1,00,000₹10,000₹1,000
SB175bob SALARY SUPER181 days₹1,00,000₹10,000₹1,000
SB176bob SALARY PREMIUM181 days₹2,00,000₹10,000₹1,000
SB177bob SALARY PRIVILEGE181 days₹2,00,000₹10,000₹1,000
SB179bob EXPAT ACCOUNT181 days₹1,00,000₹10,000₹1,000
SB180bob SENIOR CITIZEN PRIVILEGE ACCOUNT181 days₹50,000₹10,000₹1,000
SB181bob WOMENS ADVANTAGE ACCOUNT181 days₹50,000₹10,000₹1,000
SB182bob GOVERNMENT EMPLOYEES SALARY ACCOUNT181 days₹2,00,000₹10,000₹1,000
SB197bob Account181 days₹25,000₹5,000₹5,000
CA107bob PREMIUM PRIVELEGE 30 days₹5,00,000₹25,000₹1,000
CA108bob PREMIUM CURRENT AC30 days₹5,00,000₹25,000₹1,000
CA132bob GOVT BODIES CURRENT ACCOUNT180 days₹5,00,000₹50,000₹50,000
CA141bob Women Power Current A/c15 days₹2,00,000₹50,000₹50,000
CA142bob Smart Current A/c15 days₹2,00,000₹50,000₹50,000
CA143bob Gold Current Account15 days₹10,00,000₹1,00,000₹1,00,000
CA144bob Platinum Current Account15 days₹20,00,000₹1,00,000₹1,00,000
CA145bob Rhodium Current Account15 days₹50,00,000₹1,00,000₹1,00,000
CA146bob Diamond Current Account15 days₹1,00,00,000₹1,00,000₹1,00,000
SB208bob Salary Account12 months₹50,000₹10,000₹1,000
SB209bob Powerpack Account12 months₹3,00,000₹10,000₹1,000
SB116bob Masterstroke Account181 days₹20,00,000₹25,000₹25,000
SB216bob Masterstroke Account ()12 months₹20,00,000₹25,000₹25,000
SB316bob Masterstroke Account ()181 days₹20,00,000₹25,000₹25,000
SB105bob SAPPHIRE WOMEN ACCOUNT181 days₹2,00,000₹25,000₹10,000
SB140bob Masterstroke Lite Account181 days₹10,00,000₹25,000₹10,000
SB240bob Masterstroke Lite Account12 months₹10,00,001₹25,000₹10,000
SB340bob Masterstroke Lite Account181 days₹10,00,002₹25,000₹10,000
  • Rows for schemes without a matching canonical product are preserved in the complete source table but are not assigned to another product by inference. The source was created 25 March 2026.
  • The Flexi Fixed Deposit page says scheme parameters are predefined by account scheme and links this .
Schemes for Website — official Bank of Baroda · Pages 1–2, complete table · effective 25 Mar 2026 · accessed 29 Aug 2026Open official source ↗
Table 2 · 16 rows · 2 columnsbob Advantage Saving Account — current published termsDecision-useful transcription of the product page, current savings-rate schedule, applicable service-charge rows and shared FFD/ATM terms.View tableHide table

Scroll sideways to view every column

bob Advantage Saving Account — current published terms
TopicPublished detail
Account typeSavings account for resident individuals and eligible non-individuals.
Minimum quarterly average balanceWith cheque book: ₹2,000 in Metro/Urban branches, ₹1,000 in Semi-Urban branches and ₹500 in Rural branches.
Maximum balanceNo general ceiling. A minor aged 10–14 may hold at most ₹1,00,000.
Non-maintenance chargeNil for savings-bank schemes under the current notice effective 1 July 2025; Premium Savings Accounts are excluded. and other applicable service charges may still apply.
Savings interestEffective 22 August 2025: 2.50% p.a. up to below ₹50 crore; 2.75% from ₹50 crore to below ₹500 crore; 3.50% from ₹500 crore to below ₹1,000 crore; 4.50% from ₹1,000 crore to below ₹2,000 crore; 4.75% from ₹2,000 crore and above.
Interest calculation and creditDaily product/daily closing balance basis; credited quarterly within 15 days after each May–July, August–October, November–January and February–April quarter, with value date on the first day of the credit month. Interest is rounded to the nearest rupee.
Cheque book30 free cheque leaves per financial year. Additional leaves follow the current service schedule: ₹4 per leaf for Savings Metro/Urban and ₹2.50 per leaf for Rural/Semi-Urban, senior citizens and pensioners, exclusive of .
Debit card and digital accessDebit-card eligibility is published; mobile banking, internet banking and WhatsApp banking are available subject to their separate terms and charges.
/cash-machine limits service page: ₹15,000 maximum withdrawal per transaction and five free transactions per month; daily limit depends on the selected debit-card variant. Cash-machine deposit with card: up to ₹2,00,000/day with and ₹49,999/day without registered ; cardless account-number deposit up to ₹20,000/day.
Auto-sweep / The product feature table says auto-sweep is unavailable, but the shared schedule lists SB114 (bob ADVANTAGE SB_PEN): default 180 days, sweep-out above ₹3,000, sweep-out multiple ₹1,000 and sweep-in multiple ₹1,000. The schedule is retained as a scheme parameter, not represented as a contradictory product-level auto-sweep feature.
Operations and withdrawalsSavings-oriented transactions only; commercial transactions are not allowed. Non-base branch cheque withdrawal is ₹50,000 per day/transaction; withdrawal slip without cheque book is ₹25,000 per day/transaction with passbook. Base-branch self-withdrawal is free; transfer/clearing rules follow the .
ClosureNo charge if closed within 14 days of the first customer-induced credit; ₹200 plus service tax if closed after 14 days but within one year; no charge on death of the account holder.
EligibilityResident individuals, including eligible minors and joint holders, plus eligible non-individuals such as clubs, societies, provident funds and trusts under /Bank rules.
Documents/Form 60; accepted OVD/address evidence; entity constitution, registration, deed, authority/ and photographs where applicable. Online opening additionally needs Aadhaar-linked mobile, email, camera/microphone, location permission and a reliable network.
Deposit insuranceDeposits with accrued interest across Bank of Baroda branches are insured by up to ₹5,00,000, subject to the applicable rules.
Personalized or not separately publishedNo Advantage-specific salary requirement, separate , product-level fee schedule beyond the linked savings schedule, or separate debit-card daily limit is published on the reviewed source set. These fields remain blank with terminal dispositions rather than generic text.
  • The product page labels the account's auto-sweep facility unavailable; the shared SB114 row is preserved separately because it identifies the scheme parameters linked to the account code.
  • The savings-rate page is effective 22 August 2025; customers should confirm the live rate before opening or funding the account.
  • Existing official product artwork and optimized WebP were reused; no duplicate image was downloaded.
bob Advantage Saving Account — current official page and linked schedules · Features; Documents Required; ; ; current savings rate and service-charge schedules; shared and pages · effective 22 Aug 2025 · accessed 29 Sept 2026Open official source ↗

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