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Savings, current & salary accounts

bob Bank Mitra Bachat Khata

A no-minimum-balance -point savings account whose current Features tab also describes an optional overdraft secured by a linked term deposit.

Interest rateSavings-account credit balances earn the existing Bank of Baroda savings-deposit rate; the current percentage is maintained in the bank's live savings-rate schedule. Interest is calculated daily and credited quarterly.Savings-account minimum balance₹0Salary 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 Bank Mitra Bachat Khata

0 of 8 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: The current page has an internal age conflict: its Features table says an individual must have attained 18 years, while Eligibility Criteria says all individuals aged 14 years or above and the Benefits/Overview describe Bank Mitra point opening?

2Do you meet this requirement: The page identifies new-to-bank individuals, singly or jointly, with opening at a Bank Correspondent point through eKYC?

3Does your age meet this requirement: the applicable age rule needs confirmation from Bank of Baroda before applying?

4Do you meet this requirement: Savings balance has no minimum-balance requirement?

5Do you meet this requirement: the term-deposit-backed overdraft is a separate linked facility under the same scheme page?

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

7Document checkDo you have at least one of these required documents: Proof of Aadhaar possession or another officially valid document accepted under RBI KYC rules?

8Document checkDo you have at least one of these required documents: If the OVD does not contain the current address: a recent utility bill (not more than two months old), property/municipal tax receipt, pension/family-pension order with address, or other listed deemed-OVD evidence?

0 of 8 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 29 Sept 2026 · active
bob Bank Mitra Bachat Khata official artwork
Offered byBank of Baroda

Participating Bank of Baroda business-correspondent points 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.

Savings-account minimum balance₹0View source
The current Features tab states no minimum balance and no non-maintenance charge.
Source
bob Bank Mitra Bachat Khata
Page / section
Features
Accessed
13 Aug 2026
Confidence
high
Open official source ↗
Linked fixed-deposit requirement for overdraftMinimum ₹10,000 in ₹1,000 multiples for 12 to 120 monthsView source
This term-deposit-linked feature conflicts with the page's general -point account description.
Source
bob Bank Mitra Bachat Khata
Page / section
Features
Accessed
13 Aug 2026
Confidence
medium
Open official source ↗
Term-deposit-secured overdraft80% of deposit; minimum ₹8,000 and maximum ₹1 lakhView source
Third-party and other-bank deposits are not eligible; processing and documentation charge is nil.
Source
bob Bank Mitra Bachat Khata
Page / section
Features — Overdraft Facility
Accessed
13 Aug 2026
Confidence
medium
Open official source ↗
Bank Mitra Bachat Khata eligibilityThis non-BSBD regular savings account is opened at Bank Correspondent points through eKYC for individuals aged 14 years or above, singly or jointly, and is for new-to-bank customers. No minimum savings balance is required and no maintenance charge applies for balance non-maintenance.View source
The official Overview, Features and Eligibility sections publish opening channel, age, customer and balance rules.
Source
bob Bank Mitra Bachat Khata
Page / section
Overview / Features / Eligibility
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
Bank Mitra Bachat Khata featuresThe account supports mobile and internet banking, multiple withdrawal options and eligible debit cards. A term-deposit-backed overdraft facility accepts deposits from ₹10,000 in ₹1,000 multiples for 12–120 months; savings interest is credited quarterly and dormant status begins after two years without customer-induced transactions.View source
The official Benefits, Features and sections publish digital services, overdraft deposit and dormancy terms.
Source
bob Bank Mitra Bachat Khata
Page / section
Benefits / Features /
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 ↗
Account typeNon-BSBD regular savings account opened through Bank Correspondent points for eligible individuals aged 14 years or above.View source
The official page describes Bank Mitra Bachat Khata as a non- regular savings account for individuals aged 14 or above.
Source
bob Bank Mitra Bachat Khata
Page / section
Eligibility / Features
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
Interest rateSavings-account credit balances earn the existing Bank of Baroda savings-deposit rate; the current percentage is maintained in the bank's live savings-rate schedule. Interest is calculated daily and credited quarterly.View source
The page states that savings-account credit balances receive the existing Savings Deposits rate, directs customers to the latest savings-rate page and says interest is calculated on a daily product basis and credited quarterly.
Source
bob Bank Mitra Bachat Khata
Page / section
— Interest Rate / Interest Calculation and Frequency
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
Non-maintenance chargeNil; the page publishes a zero minimum-balance requirement and nil MAB non-maintenance charges.View source
The product page states No minimum balance and the table lists non-maintenance charges as NIL.
Source
bob Bank Mitra Bachat Khata
Page / section
Features / — Non maintenance charges
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
Cheque book30 cheque leaves are free in a financial year; additional leaves attract the applicable service-charge schedule.View source
The states that 30 cheque leaves are issued free in a financial year and additional leaves are charged under the latest service-charge schedule.
Source
bob Bank Mitra Bachat Khata
Page / section
— Cheque book
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
Transaction limitsCash deposits through a cash-deposit machine are capped at ₹2,00,000 per day with PAN registered and ₹49,999 without PAN; cardless transactions are capped at ₹20,000 per day.View source
The cash-deposit section publishes ₹2 lakh/₹49,999 card-deposit limits and ₹20,000 cardless limit per day.
Source
bob Bank Mitra Bachat Khata
Page / section
— Cash Deposit / Alternate channels
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
Aggregate debit limit₹20,000 per day aggregate debit limit across branch, ATM, UPI, mobile banking, internet banking, IMPS, CBDC and Bank Correspondent point channels.View source
The Financial Inclusion listing for scheme code SB160 gives an aggregate debit limit of ₹20,000 per day across branch, , , mobile banking, internet banking, , and -point channels.
Source
Bank of Baroda Financial Inclusion product limits
Page / section
Scheme code SB160 — Baroda Bank Mitra Bachat Khata
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
Debit cardDebit-card and digital-banking eligibilityView source
The manually reviewed product name/benefits state: “Debit-card and digital-banking eligibility”.
Source
bob Bank Mitra Bachat Khata — official product page
Page / section
Published account type and access benefits
Accessed
13 Aug 2026
Confidence
high
Open official source ↗

Benefits and features

  • No minimum balance
  • Debit-card and digital-banking eligibility
  • Optional deposit-secured overdraft under the live Features terms

Eligibility

  • The current page has an internal age conflict: its Features table says an individual must have attained 18 years, while Eligibility Criteria says all individuals aged 14 years or above and the Benefits/Overview describe Bank Mitra point opening.
  • The page identifies new-to-bank individuals, singly or jointly, with opening at a Bank Correspondent point through eKYC; the applicable age rule needs confirmation from Bank of Baroda before applying.
  • Savings balance has no minimum-balance requirement; the term-deposit-backed overdraft is a separate linked facility under the same scheme page.

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

Documents the bank lists

  • or Form 60.
  • Proof of Aadhaar possession or another officially valid document accepted under rules.
  • If the OVD does not contain the current address: a recent utility bill (not more than two months old), property/municipal tax receipt, pension/family-pension order with address, or other listed deemed-OVD evidence.

Related official documents

Bank of Baroda account pages and account service-charge scheduleofficial-product-pages-and-schedule · current · accessed 29 Aug 2026
↗
bob Bank Mitra Bachat Khata — official product pageofficial-product-page · current · accessed 29 Aug 2026
↗
Financial Inclusion — current scheme-code SB160 limitsofficial-service-page · current · accessed 29 Sept 2026
↗
Bank of Baroda Financial Inclusion product limitsofficial-product-page · current · accessed 29 Aug 2026
↗
bob Bank Mitra Bachat Khata — current official product pageofficial-product-page · current · accessed 29 Sept 2026
↗
Savings Bank Deposits — current rate schedule linked by Bank Mitraofficial-rate-page · current · accessed 29 Sept 2026
↗
Bank of Baroda non-salary current, savings and scheme accountsofficial-product-pages · current · accessed 29 Aug 2026
↗
Bank of Baroda Savings Bank Deposit Interest Ratesofficial-rate-table · 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₹2,700two 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.

Opening channel · Published detailAvailable at Bank Correspondent point through eKYC

This value is copied from bob Bank Mitra Bachat Khata — published limits and facilities. Check the table notes before relying on it.

Source: bob Bank Mitra Bachat Khata · Benefits, Features and Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 8 rows · 2 columnsbob Bank Mitra Bachat Khata — published limits and facilitiesRelevant rows transcribed from the official product page and linked savings-rate schedule.View tableHide table

Scroll sideways to view every column

bob Bank Mitra Bachat Khata — published limits and facilities
ParameterPublished detail
Opening channelAvailable at Bank Correspondent point through eKYC
Minimum balance / ₹0; non-maintenance charge NIL
Savings interestExisting savings-deposit rate; calculated daily and credited quarterly
Cheque book30 free leaves per financial year; additional leaves charged as per service schedule
Cash deposit with Up to ₹2,00,000 per day at cash-deposit machine
Cash deposit without Up to ₹49,999 per day at cash-deposit machine
Cardless transactionUp to ₹20,000 per day
Deposit-secured overdraft80% of fixed deposit; minimum ₹8,000 and maximum ₹1,00,000; processing/documentation charge NIL
  • The live savings-rate page lists slab rates effective 22 August 2025; the Bank Mitra page directs customers there for the latest applicable rate.
  • Cash-deposit machine and cardless limits are separate published limits. The aggregate debit limit is published in the bank's separate Financial Inclusion listing.
bob Bank Mitra Bachat Khata · Benefits, Features and · accessed 29 Aug 2026Open official source ↗
Table 2 · 1 row · 2 columnsbob Bank Mitra Bachat Khata — aggregate debit limitThe separate Bank of Baroda Financial Inclusion listing for scheme code SB160.View tableHide table

Scroll sideways to view every column

bob Bank Mitra Bachat Khata — aggregate debit limit
ParameterPublished detail
Aggregate debit limit₹20,000 per day across branch, , , mobile banking, internet banking, , and -point channels
  • This aggregate limit is distinct from the cash-deposit-machine and cardless transaction limits on the product page.
Bank of Baroda Financial Inclusion product limits · Scheme code SB160 — Baroda Bank Mitra Bachat Khata · accessed 29 Aug 2026Open official source ↗
Table 3 · 23 rows · 2 columnsbob Bank Mitra Bachat Khata — complete current termsStructured transcription of the current Features, Eligibility, Documents and MITC rows.View tableHide table

Scroll sideways to view every column

bob Bank Mitra Bachat Khata — complete current terms
TopicPublished detail
Opening channelAvailable at Bank Correspondent points through eKYC; debit transactions are unfrozen after branch verification of the system-generated account-opening form and .
Account natureRegular non- savings account, inter-linked with a term-deposit-backed overdraft facility.
Eligibility conflictFeatures row: individual eligible to open singly/jointly and having attained age 18. Eligibility section: all individuals, age 14 years or above, new-to-bank customers. Clarification required.
Savings minimum balanceNo minimum savings balance; non-maintenance charge NIL.
Fixed deposit for overdraftMinimum ₹10,000, then multiples of ₹1,000; tenure 12–120 months.
Overdraft limit80% of the fixed deposit; minimum ₹8,000 and maximum ₹1,00,000. Third-party and other-bank are not eligible.
Overdraft pricingSavings credit earns the existing savings rate; an overdraft debit balance is charged 1.00% over the fixed-deposit rate with a minimum monthly charge of ₹25 when the overdraft is used.
Overdraft security and chargesPledge of a duly discharged and letter of pledge LDOC-16A; processing and documentation charge NIL; other service charges follow the latest schedule.
Savings interestExisting savings-deposit rate; daily product basis and quarterly credit. The current linked schedule (effective 22 August 2025) is 2.50% below ₹50 crore, 2.75% ₹50–500 crore, 3.50% ₹500–1,000 crore, 4.50% ₹1,000–2,000 crore and 4.75% at ₹2,000 crore and above.
Cheque book30 free cheque leaves per financial year; further leaves follow the current service schedule.
Debit cardAny debit-card variant may be issued on customer request, subject to the card department's terms; issuance and renewal charges follow the current schedule.
Digital channelsInternet banking, mobile banking and WhatsApp banking allowed subject to each channel's terms.
/channel limitsCash-machine deposit up to ₹2,00,000/day with and ₹49,999/day without ; cardless account-number transactions up to ₹20,000/day. Scheme-code SB160 Financial Inclusion listing gives an aggregate debit limit of ₹20,000/day across branch, , , mobile, internet, , and -point channels.
Auto-sweepNot allowed.
Cash withdrawalNon-base branch cash withdrawal ₹50,000 per day/transaction; withdrawal slip without cheque book ₹25,000 per day/transaction with passbook. Base-branch self-withdrawal is free; -point uses applicable limits and requires Aadhaar seeding.
Outstation chequeImmediate credit for qualifying outstation cheques up to ₹20,000, subject to six-month satisfactory conduct and applicable collection charges; outstanding under this facility cannot exceed ₹20,000 at any time.
DormancySavings account becomes dormant/inoperative after more than two years without customer-induced transactions; interest continues to apply.
Nomination and conversionNomination is allowed; transfer/conversion to another branch or scheme is permitted under the stated process.
ClosureNo charge within 14 days of first customer-induced credit; ₹200 plus service tax after 14 days but within one year; no charge on death.
documents/Form 60; Aadhaar possession or other OVD; permitted recent utility/property-tax/PPO/employer accommodation document where OVD address is outdated.
Credit cardSubject to Financial Solutions Ltd credit underwriting policies.
Deposits and interest are insured up to ₹5,00,000 under applicable rules.
Service-charge references, , cash handling, debit-card, locker, transfer, preclosure and other charges point to the latest Bank of Baroda service-charge schedule.
  • The two age statements are both transcribed from the current page and intentionally remain unresolved.
  • Existing official artwork and optimized WebP were reused without a duplicate download.
bob Bank Mitra Bachat Khata — current official page · Features; Eligibility; Documents Required; ; linked Financial Inclusion SB160 and savings-rate schedules · effective 22 Aug 2025 · accessed 29 Sept 2026Open official source ↗

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