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Savings, current & salary accounts

bob Saving Account

A zero-balance student savings account for resident students aged 16–25, with a lifetime-free RuPay Platinum debit card, unlimited free cheque books and an optional sweep facility.

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 quarterly average 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.
Official product page ↗Compare category

Quick eligibility check

bob 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 aged 16 to 25?

2Are you this type of customer: The first applicant must be the resident student?

3Do you meet this requirement: joint operation with a parent or legal guardian is allowed?

4Do you meet this requirement: The account may be opened singly or jointly, subject to the bank’s KYC rules?

5Do you meet this requirement: Existing bob Champ SB156 accounts may convert to SB197 after meeting eligibility?

6Document checkDo you have at least one of these required documents: PAN card or Form 60 (mandatory under the bank’s stated RBI-guideline process)?

7Document checkDo you have at least one of these required documents: One officially valid document: passport; photo driving licence; proof of possession of Aadhaar; voter identity card; NREGA job card signed by a state-government officer; or National Population Register letter containing name and address?

8Document checkDo you have this required document or proof: For digital/online opening where offered: Aadhaar-linked operational mobile number, valid email ID, internet-enabled camera/webcam and microphone, and browser location permission?

9Document checkDo you have at least one of these required documents: The bank may request additional KYC or guardian documents under its extant account-opening guidelines?

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

All Bank of Baroda branches and supported digital onboarding 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.

Student age range16–25 yearsView source
The first applicant must be a resident student within the published age range.
Source
bob Saving Account
Page / section
Features — Eligibility Criteria
Accessed
13 Aug 2026
Confidence
high
Open official source ↗
Minimum quarterly average balance₹0View source
The page also publishes zero non-maintenance charge.
Source
bob Saving Account
Page / section
Features — Minimum Quarterly Average Balance
Accessed
13 Aug 2026
Confidence
high
Open official source ↗
RuPay Platinum debit-card fee₹0 issuance and renewalView source
The linked RuPay Platinum debit card is described as lifetime free.
Source
bob Saving Account
Page / section
Features — Debit Card Issuance / Renewal Charges
Accessed
13 Aug 2026
Confidence
high
Open official source ↗
Published education-loan benefitCollateral-free education loan up to ₹40 lakh for premier institutes, with 100% processing-fee discount subject to conditionsView source
The benefit is restricted to premier institutes and remains subject to loan approval and recovery of applicable out-of-pocket property expenses.
Source
bob Saving Account
Page / section
Features — Education Loans
Accessed
13 Aug 2026
Confidence
high
Open official source ↗
Optional sweep parameters₹25,000 threshold; 181-day deposit; ₹5,000 sweep-out and sweep-in multiplesView source
Sweep is available on written request; premature-penalty and additional-rate rules follow the bank's current guidelines.
Source
bob Saving Account
Page / section
Features — Sweep Parameters
Accessed
13 Aug 2026
Confidence
high
Open official source ↗
Free DD / banker's cheque / pay order1 per yearView source
The account also publishes unlimited free cheque books and transfer services.
Source
bob Saving Account
Page / section
Features — / / PO
Accessed
13 Aug 2026
Confidence
high
Open official source ↗
Flexi fixed-deposit default tenure181 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₹25,000Effective 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₹5,000Effective 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₹5,000Effective 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 ↗
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 ↗
ATM / cash transaction limitsThe product page publishes cash-machine deposits up to ₹2,00,000 per day with PAN registered or ₹49,999 without PAN; cardless account-number transactions up to ₹20,000 per day; non-base cash withdrawal up to ₹50,000 per day per transaction for the account holder, or ₹25,000 per day for a savings account without a cheque book. The RuPay Platinum card's daily ATM amount is not separately stated.View source
The page publishes the cash-machine deposit/cardless limits and the ₹50,000/₹25,000 branch withdrawal limits, but does not state a daily -withdrawal amount for the card variant.
Source
bob Saving Account
Page / section
Features — At Cash machines; Cash Withdrawal
Accessed
7 Sept 2026
Confidence
high
Open official source ↗
FFD scheme parametersScheme SB197 (bob BRO SB Account): default FFD 181 days; sweep out above ₹25,000; sweep-out and sweep-in multiples ₹5,000.Effective 25 Mar 2026View source
row SB197 lists 181 days, ₹25,000 threshold and ₹5,000 for both sweep multiples.
Source
Schemes for Website — official Bank of Baroda
Page / section
Page 1, row 15
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
Account typeSavings accountView source
The manually reviewed product name/benefits state: “Savings account”.
Source
bob Saving Account — official product page
Page / section
Published account type and access benefits
Accessed
21 Aug 2026
Confidence
high
Open official source ↗
Debit cardLifetime-free RuPay Platinum debit cardView source
The manually reviewed product name/benefits state: “Lifetime-free RuPay Platinum debit card”.
Source
bob Saving Account — official product page
Page / section
Published account type and access benefits
Accessed
21 Aug 2026
Confidence
high
Open official source ↗
Cheque bookUnlimited published cheque books and electronic transfersView source
The manually reviewed product name/benefits state: “Unlimited published cheque books and electronic transfers”.
Source
bob 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

  • Zero minimum quarterly average balance
  • Lifetime-free RuPay Platinum debit card (issuance and renewal)
  • Unlimited free cheque books for customers aged 18 and above
  • Unlimited free , , and through the published channels
  • One free , banker’s cheque or pay order each year
  • Free /email alerts
  • Up to 100% concession in Demat , subject to terms
  • Collateral-free education loan up to ₹40 lakh for premier institutes, with 100% processing-fee discount subject to published conditions

Eligibility

  • All resident students aged 16–25 may apply.
  • The first applicant must be the resident student; joint operation with a parent or legal guardian is allowed.
  • The account may be opened singly or jointly, subject to the bank’s rules.
  • Existing bob Champ 156 accounts may convert to SB197 after meeting eligibility; other savings schemes cannot convert into SB197.
  • A credit card facility is subject to Financial Solutions Ltd underwriting.

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

Documents the bank lists

  • card or Form 60 (mandatory under the bank’s stated -guideline process).
  • One officially valid document: passport; photo driving licence; proof of possession of Aadhaar; voter identity card; NREGA job card signed by a state-government officer; or National Population Register letter containing name and address.
  • For digital/online opening where offered: Aadhaar-linked operational mobile number, valid email , internet-enabled camera/webcam and microphone, and browser location permission.
  • The bank may request additional or guardian documents under its extant account-opening guidelines.

Related official documents

Bank of Baroda account pages and account service-charge scheduleofficial-product-pages-and-schedule · current · accessed 29 Aug 2026
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bob BRO Saving Account — current product pageofficial-product-page · current · accessed 7 Sept 2026
↗
bob BRO 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 schedule linked by bob BROofficial-service-charge-page · current · accessed 29 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 · 23 rows · 2 columnsbob BRO Saving Account — complete current termsDecision-useful transcription of every current feature, KYC, fee, MITC and linked-rate detail that affects comparison or account use.View tableHide table

Scroll sideways to view every column

bob BRO Saving Account — complete current terms
TopicPublished detail
Eligible clientsAll resident students.
Eligibility and operationResident students aged 16–25; singly or jointly with parents/legal guardian, with the first applicant the resident student.
Minimum quarterly average balanceZero; no minimum-balance requirement.
Maximum balanceNo general ceiling. A minor aged 10–14 has a ₹1,00,000 maximum balance under the page’s minor-account rule.
Non-maintenance chargeZero.
Savings interestThe current linked schedule (effective 22 August 2025) publishes 2.50% p.a. 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; and 4.75% at ₹2,000 crore and above.
Interest calculationDaily product basis; credited quarterly within 15 days after May–July, August–October, November–January and February–April, with value date on the first day of the credit month.
Cheque bookUnlimited free cheque leaves for customers aged 18 and above. The page does not state the same free-leaf entitlement for younger minors.
/ banker’s cheque / pay orderOne free issuance per year.
Debit cardRuPay Platinum; issuance and renewal lifetime free.
/free transactionsThe product page delegates ONUS, , locker, cash-handling and branch-withdrawal charges to the latest service-charge schedule; no separate card daily amount is printed.
Cash-machine depositsWith debit card: up to ₹2,00,000 per day where is registered and ₹49,999 where is not registered; cardless account-number transaction up to ₹20,000 per day.
Non-base cash withdrawalUp to ₹50,000 per day/per transaction by cheque for the account holder; ₹25,000 by withdrawal slip for a savings account without cheque-book facility, with passbook.
Transfers, , and are unlimited free through the published branch and online channels.
Education loan benefitCollateral-free education loan up to ₹40 lakh for premier institutes; 100% processing-fee discount, subject to recovery of minimum property legal/valuation out-of-pocket charges.
Sweep facilityAvailable on written request. Scheme code TD1B9; threshold ₹25,000; period 181 days; sweep-out and sweep-in multiples ₹5,000; premature penalty and additional follow current bank guidelines.
Other account termsSavings-oriented transactions only; commercial transactions are not allowed. Inter-SOL cash payments to third parties are not permitted. Base-branch self-withdrawal is free.
Passbook and statementsFirst passbook free; duplicate passbook or latest-balance statement ₹100; older-entry statements follow the applicable schedule.
DormancyNo customer-induced transaction for over two years makes the account inoperative/dormant; no inoperative charge is levied. Accounts dormant for 10 years or more are transferred to as unclaimed deposits, subject to claim rules.
ClosureMetro/Urban: no charge within 14 days of first customer-induced credit or on death; ₹300 after 14 days and within one year. Rural/Semi-urban, senior-citizen and pensioner cases: ₹275 in the corresponding one-year window.
Deposits plus accrued interest across the bank are insured up to ₹5,00,000, subject to rules.
/Form 60 plus an accepted OVD; the page lists passport, photo driving licence, Aadhaar possession proof, voter , NREGA job card and letter.
Not separately publishedNo -specific salary requirement or separate card daily limit is published; those fields remain absent rather than filled with generic text.
  • The official page contains 34 numbered feature rows plus clauses; the rows above retain each decision-useful condition and limit.
  • All charges are exclusive of taxes and may change; confirm the live service-charge schedule before applying.
  • The shared row is preserved separately for the linked sweep parameters and is not used to infer terms for another account.
bob Saving Account — current official page and linked schedules · Full current page: Benefits; Features rows 1–34; Eligibility; Documents; Fees; ; current service-charge and savings-rate links · effective 22 Aug 2025 · accessed 29 Sept 2026Open official source ↗

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