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Public sector banking groupFresh

Bank of Baroda

Research Bank of Baroda across published cards, accounts, deposits, digital payments, everyday-banking controls and business-banking services, with dated first-party evidence and product-level review dates.

Explore banking researchOfficial site ↗
23Banking profiles
4Credit cards
2Verified relationships
0Reviews due
Research systems

Start with the banking system, then open the exact product.

Each system keeps its own evidence, review date and decision fields. Shared-bank context never substitutes for exact product terms.

01Credit cardsFees, rewards, lounge, forex and approval route4profiles02Debit cardsAccount linkage, charges, ATM/POS limits and access3profiles03Savings accountsBalance rule, charges, access and debit-card relationship3profiles04Fixed depositsDated rates, tenure, customer category and liquidity1profile05Government savingsGovernment rate mechanism, eligibility, maturity, liquidity and tax treatment5profiles06Business bankingRoles, bulk payments, collections, merchant tools, cash management and integrations1profile07Merchant paymentsQR, POS, Soundbox, gateway acceptance, settlement, pricing and reconciliation1profile08International debit cardsInternational activation, overseas ATM/POS/e-commerce, forex/DCC, limits and support1profile
What this dossier does

Organizes published evidence, freshness, explicit product relationships and maintained comparisons for one institution.

What it does not do

It does not rank bank quality, predict approval, infer product bundling or claim complete coverage of the institution's live catalogue.

Exact banking research

23 published profiles with product-level evidence.

Search locally by product, fee, rate, balance, eligibility or benefit. Filtering never creates additional public URLs.

23 profilesPublished research only
Product system

Debit card

3 profiles
Bank of BarodaDebit card

Bank of Baroda bob Bhoomi RuPay Select Debit Card

Bank of Baroda's premium RuPay Select debit card with ₹1.5 lakh daily ATM and ₹5 lakh daily POS/e-commerce limits plus current spend-conditioned domestic and separately capped international airport-lounge access.

First-party checked3 bank sourcesReviewed September 11, 2026
Cost / fee₹500 + applicable taxes issuance fee; first-year annual fee waived and ₹500 + taxes from the second year; ₹200 + taxes re-issuance fee on the reviewed product page.
Best fitEligible Bank of Baroda savings/current-account customers who want a high-limit RuPay Select debit card and can naturally meet the current domestic-lounge spend condition.
View research
Bank of BarodaDebit card

Bank of Baroda bob Champ RuPay Debit Card

The scheme-specific RuPay debit-card option Bank of Baroda names for eligible bob Champ child-account holders from age 10, with deliberately low youth transaction limits.

First-party checked2 bank sourcesReviewed September 9, 2026
Cost / feeIssuance is free under the current bob Champ account terms; renewal charges follow Bank of Baroda's latest debit-card service-charge schedule.
Best fitEligible bob Champ customers age 10+ who receive the scheme-specific card and need tightly bounded ATM/POS access.
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Bank of BarodaDebit card

Bank of Baroda RuPay Platinum Debit Card

Bank of Baroda's RuPay Platinum debit card with current ₹50,000 daily ATM and up to ₹1 lakh daily POS/e-commerce limits and domestic/international functionality subject to channel activation.

First-party checked3 bank sourcesReviewed September 10, 2026
Cost / feeCard issuance/annual fees depend on the linked account and current tariff. bob LITE specifically waives the card's annual fee when its separate QAB condition is satisfied.
Best fitEligible Bank of Baroda account holders who want a higher-limit RuPay card and can use the card's current network/insurance benefits.
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Product system

Savings account

3 profiles
Bank of BarodaSavings account

Bank of Baroda bob Advantage Savings Account

Bank of Baroda's mainstream savings account with ₹2,000/₹1,000/₹500 location-based balance targets and an explicitly supported full Video-KYC opening mode.

First-party checked2 bank sourcesReviewed September 10, 2026
Balance rule₹2,000 metro/urban, ₹1,000 semi-urban and ₹500 rural under the current product page.
Best fitNew-to-Bank-of-Baroda resident adults who want the bank's conventional savings account and can maintain the applicable location-based balance while using the branchless full-KYC route.
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Bank of BarodaSavings account

Bank of Baroda bob Champ Account

Bank of Baroda's zero-MAB child savings account for ages 0-18, with self-operation above 10, age-specific balance rules and a named bob Champ RuPay debit-card option from age 10.

First-party checked2 bank sourcesReviewed September 9, 2026
Balance ruleZero MAB. Bank of Baroda states a ₹1 lakh maximum balance for self-operated minors aged 10-14; the current page says the ceiling does not apply in the same way above age 14, subject to extant bank guidelines.
Best fitFamilies wanting a zero-minimum-balance public-sector child account with explicit self-operation, digital-access and child-card limits.
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Bank of BarodaSavings account

Bank of Baroda bob LITE Savings Account

Bank of Baroda's commercial lifetime zero-balance savings account, eligible for the bank's full Video-KYC opening route, with a RuPay Platinum debit-card benefit that has its own QAB condition.

First-party checked3 bank sourcesReviewed September 10, 2026
Balance ruleLifetime zero-balance account with no minimum-balance charge. The separate debit-card fee-waiver QAB is not an account minimum-balance requirement.
Best fitNew-to-Bank-of-Baroda resident adults using V-KYC who want no account minimum-balance charge but can separately evaluate whether maintaining QAB is worthwhile for the debit-card fee waiver.
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Product system

Fixed deposit

1 profile
Bank of BarodaFixed deposit

Bank of Baroda bob Tax Saving Fixed Deposit

Bank of Baroda’s tax-saving term deposit with RIRD, monthly-income and quarterly-income variants, ₹100 minimum, ₹1.5 lakh annual qualifying cap and a five-to-ten-year product range.

First-party checked2 bank sourcesReviewed September 10, 2026
Current rate evidenceBank of Baroda states that the product uses the prevailing fixed-deposit rate and gives eligible resident senior citizens an additional rate under current guidelines. The exact current five-year numeric row remains refresh-gated in this review.
Best fitEligible Bank of Baroda customers who want a public-sector tax saver with multiple payout variants and can verify the live prevailing five-year rate before booking.
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Product system

ATM & cash service

1 profile
Bank of BarodaATM & cash service

Bank of Baroda ATM & Cash Recycler Services

Bank of Baroda's ATM and Cash Recycler service profile with explicit on-us/off-us charges, branch cash-withdrawal rules and PAN/cardless recycler deposit limits.

First-party checked4 bank sourcesReviewed September 10, 2026
Balance ruleRequires the applicable Bank of Baroda account/debit card for card-based access. ATM/CR use does not change underlying Savings, Current, BSBD/FI or card-variant rules.
Best fitBank of Baroda customers who want unusually explicit ATM pricing and cash-recycler limits, while keeping current-account and branch third-party restrictions separate from savings treatment.
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Product system

Bank fee profile

1 profile
Bank of BarodaBank fee profile

Bank of Baroda Banking Fees & Charges

A Bank of Baroda retail-fee profile connecting Savings/basic-account exceptions, ATM pricing, cash/cheque services and rail-specific transfer charges while keeping bob LITE card waivers separate from account balance rules.

First-party checked5 bank sourcesReviewed September 10, 2026
Balance ruleThe fee profile separates account balance requirements from charges. A minimum balance or QAB can control a waiver even where the account's non-maintenance charge itself is nil.
Best fitBank of Baroda customers comparing ordinary Savings, bob LITE/basic accounts and digital transfers without assuming every 'nil charge' applies to every product or channel.
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Product system

Bill payment service

1 profile
Bank of BarodaBill payment service

Bank of Baroda bob World & Bharat Connect Bill Payments

Bank of Baroda's Bharat Connect/BBPS and bob World customer bill-payment profile, separating Quick Bill Pay from registered billers and preserving explicit mobile amount/count limits plus T+5 failed-payment refund guidance.

First-party checked4 bank sourcesReviewed September 10, 2026
Balance ruleRequires an eligible funding account/payment method with enough available funds; the mobile Bill Pay limits are service controls rather than account balance requirements.
Best fitBank of Baroda customers who want explicit bill-pay limits, registered-biller bill fetching and a published failed-payment refund timeline.
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Product system

Business banking service

1 profile
Bank of BarodaBusiness banking service

Bank of Baroda Business Banking — bob World Business

Bank of Baroda's bob World Business app and web portal for retail merchants, traders, MSMEs and mid-sized corporates, with maker-checker approvals, bulk payments and explicit business transfer limits.

First-party checked1 bank sourceReviewed September 10, 2026
Balance ruleRequires an eligible Current Account, Overdraft or Cash Credit relationship with the required corporate/customer setup; Savings, loan and term-deposit accounts are not supported as primary registration accounts.
Best fitBank of Baroda Current/OD/CC customers that need mobile/web business banking with maker-checker controls and documented bulk-transfer ceilings.
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Product system

Digital banking service

1 profile
Bank of BarodaDigital banking service

Bank of Baroda Digital Banking — bob World & Internet Banking

Bank of Baroda's combined retail digital-banking profile covering bob World mobile banking and bob World Internet Banking, with multi-channel registration, explicit beneficiary cooling and separate channel-specific transfer limits.

First-party checked3 bank sourcesReviewed September 10, 2026
Balance ruleRequires an eligible Bank of Baroda account/relationship. Mobile banking eligibility depends on account mode and registration route; digital access does not waive underlying balance requirements.
Best fitBank of Baroda customers who want a broad app and browser channel and value clearly published per-rail transfer limits and beneficiary waiting periods.
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Product system

International banking service

1 profile
Bank of BarodaInternational banking service

Bank of Baroda International Debit Card & Overseas ATM Banking

Bank of Baroda international debit-card profile covering default domestic-only channel state, bob World/Internet/ATM/IVR international activation, card-variant limits and currently published overseas ATM charges without inventing a bankwide forex/DCC percentage.

First-party checked5 bank sourcesReviewed September 10, 2026
Balance ruleRequires an eligible Bank of Baroda account and a debit-card variant with international functionality. A domestic-only or non-international card cannot gain international acceptance merely by changing a channel switch.
Best fitBank of Baroda customers with an international-capable debit card who need to enable overseas use and want the bank's published ATM charges and card-variant limits separated from unverified forex/DCC assumptions.
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Product system

Merchant payment service

1 profile
Bank of BarodaMerchant payment service

Bank of Baroda Merchant Payments — bob World Merchant

Bank of Baroda's merchant-payment stack spanning UPI QR Sound Box, POS, bob World Merchant Gateway, BHIM Aadhaar Baroda Pay and digital POS/QR onboarding, with explicit current Soundbox rental pricing kept separate from POS/gateway economics.

First-party checked4 bank sourcesReviewed September 10, 2026
Balance ruleMerchant products require the applicable Bank of Baroda merchant/settlement relationship and onboarding. Soundbox eligibility is tied to using or opting for Bank of Baroda UPI QR.
Best fitBank of Baroda merchants that want a bank-led mix of UPI QR/Soundbox, card-plus-UPI POS and online gateway acceptance with published device pricing for the QR Soundbox variants.
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Product system

Bank transaction-limit profile

1 profile
Bank of BarodaBank transaction-limit profile

Bank of Baroda Transaction Limits

A normalized Bank of Baroda profile separating bob World mobile, bob World Internet Banking, bob e-Pay UPI, RuPay Platinum Debit and Cash Recycler ceilings.

First-party checked5 bank sourcesReviewed September 10, 2026
Balance ruleLimits apply only to the exact eligible account, card, customer segment and digital channel named by the source; a bank relationship does not make every listed ceiling available.
Best fitBank of Baroda customers comparing mobile versus web transfer limits and the separate UPI/card/cash-recycler controls.
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Product system

Bank transfer service

1 profile
Bank of BarodaBank transfer service

Bank of Baroda Transfers — NEFT, RTGS & IMPS

Bank of Baroda's bank-transfer profile explicitly separating bob World mobile limits from bob World Internet Banking limits, with rail-specific beneficiary cooling and current IMPS service charges.

First-party checked6 bank sourcesReviewed September 10, 2026
Balance ruleRequires an eligible Bank of Baroda account and channel registration. Underlying account scheme and mode of operation can alter eligibility and charges.
Best fitBank of Baroda customers who need a precise mobile-versus-web view because the same NEFT/RTGS/IMPS rail has materially different transfer ceilings depending on channel.
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Product system

Forex & prepaid travel card

1 profile
Bank of BarodaForex & prepaid travel card

Bank of Baroda TravelEasy Multi-Currency Forex Card

Bank of Baroda's Visa Platinum EMV/NFC TravelEasy prepaid forex card with three currency wallets, account-holder and non-account-holder access, immediate activation, mobile/self-service controls and explicit percentage-based ATM/cross-currency pricing.

First-party checked3 bank sourcesReviewed September 10, 2026
Balance ruleThree prepaid currency wallets—USD, GBP and EUR—loaded under the customer's travel/FEMA limit. Bank of Baroda states both account holders and non-account holders can purchase.
Best fitTravellers who primarily need USD, GBP and EUR and want a simple Bank of Baroda prepaid travel card with mobile wallet visibility, cross-wallet conversion and transparent published issuance/reload/ATM charges.
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Product system

UPI payment service

1 profile
Bank of BarodaUPI payment service

Bank of Baroda UPI — bob e-Pay

Bank of Baroda's bob e-Pay UPI profile with explicit per-category transaction limits, ₹5,000 fresh-registration/PIN-reset control, current UPI Circle full/partial delegation terms, AutoPay and RuPay-credit-card merchant payments.

First-party checked4 bank sourcesReviewed September 10, 2026
Balance rulebob e-Pay can link eligible Savings, Current and OD accounts from banks live on UPI where account mode/mobile requirements are met. UPI Lite, UPI Circle and RuPay-credit-card UPI are separate funding/authority states.
Best fitBank of Baroda and other supported-bank customers using bob e-Pay who want a detailed UPI limit table, delegated-payment controls and recovery paths rather than generic UPI guidance.
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Product system

Government savings scheme

5 profiles
Bank of BarodaGovernment savings scheme

e-Kisan Vikas Patra (e-KVP) — Bank of Baroda

A Government of India small-savings certificate sold through Bank of Baroda, currently at a contractual 7.50% rate for new purchases with a 115-month maturity and no maximum investment ceiling.

First-party checked3 bank sourcesReviewed September 10, 2026
Balance ruleMinimum ₹1,000 and then ₹100 multiples; no maximum investment limit under the reviewed scheme page.
Best fitResident investors wanting a government-backed fixed-at-purchase return with no statutory maximum investment and who can accept the 2-year-6-month normal lock before premature closure.
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Bank of BarodaGovernment savings scheme

Floating Rate Savings Bonds 2020 (Taxable) — Bank of Baroda service route

A seven-year Government of India taxable floating-rate bond serviced through authorized receiving offices, with a semiannual coupon reset at the prevailing NSC rate plus 35 basis points.

First-party checked4 bank sourcesReviewed September 10, 2026
Balance ruleMinimum ₹1,000 in ₹1,000 multiples; no maximum subscription limit. Each investment has a seven-year maturity from its subscription date.
Best fitResident investors seeking government-credit exposure and semiannual income who can accept taxable interest, a floating coupon and very limited early redemption.
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Bank of BarodaGovernment savings scheme

Public Provident Fund (PPF) — Bank of Baroda service route

A Government of India long-term provident-fund account serviced by Bank of Baroda, with a current 7.10% annual rate, ₹500 minimum yearly contribution, ₹1.5 lakh annual contribution ceiling and a 15-year base term.

First-party checked3 bank sourcesReviewed September 10, 2026
Balance ruleMinimum ₹500 in a financial year and maximum ₹1.5 lakh in a financial year, in permitted multiples. Initial tenure is 15 years with extension available in five-year blocks under current rules.
Best fitResident individuals seeking long-horizon government-backed compounding and tax-exempt PPF interest/maturity value who can accept contribution caps and rule-based access rather than FD-style redemption.
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Bank of BarodaGovernment savings scheme

Senior Citizens' Savings Scheme (SCSS) — Bank of Baroda service route

A Government of India five-year senior-savings scheme serviced by Bank of Baroda, with the current 8.20% opening-quarter rate, quarterly income, a ₹30 lakh aggregate ceiling and age-specific premature-closure rules.

First-party checked4 bank sourcesReviewed September 10, 2026
Balance ruleMinimum ₹1,000 in ₹1,000 multiples; aggregate deposits across SCSS accounts are capped at ₹30 lakh. Normal maturity is five years, with extension available under current scheme rules.
Best fitEligible senior citizens and qualifying retirees who want government-set quarterly income and can accept SCSS eligibility and liquidity restrictions instead of ordinary bank-FD flexibility.
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Bank of BarodaGovernment savings scheme

Sukanya Samriddhi Account — Bank of Baroda service route

A Government of India girl-child savings account serviced by Bank of Baroda, currently earning 8.20%, with ₹250 minimum annual contribution, ₹1.5 lakh annual ceiling, 15-year contribution window and 21-year maturity.

First-party checked3 bank sourcesReviewed September 10, 2026
Balance ruleOpen with at least ₹250; at least ₹250 must be contributed in a financial year to keep the account regular, with a ₹1.5 lakh annual maximum. Deposits are made for 15 years and the account matures 21 years from opening under current rules.
Best fitParents or eligible guardians saving specifically for a resident girl child’s long-term education/marriage goals where the beneficiary rules and long horizon fit the family’s needs.
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Credit-card system

4 published card profiles linked to this institution.

Card research remains issuer-specific. This institution page provides direct entry points without flattening fees, rewards, lounge access or forex treatment.

0No-standard-fee
1Premium
2Travel / airline
1Low-forex tagged
Credit-card research

BOBCARD ETERNA Credit Card

₹2,499 from the second year under the current BOBCARD product page.

Reviewed September 12, 2026
Credit-card research

BOBCARD PREMIER Credit Card

₹1,000 from the second year under the current BOBCARD product page.

Reviewed September 12, 2026
Credit-card research

BOBCARD SELECT Credit Card

₹750 from the second year under the current BOBCARD product page.

Reviewed September 12, 2026
Credit-card research

BOBCARD EASY Credit Card

₹500 from the second year under the current BOBCARD product page.

Reviewed September 12, 2026
Rewards Credit Cards4Travel Credit Cards2Airport Lounge Credit Cards2Dining Credit Cards2Premium Credit Cards1Low Forex Markup Credit Cards1
Open the full Bank of Baroda issuer dossier →
Verified relationship graph

Only institution-documented product relationships appear here.

Same-bank placement never creates an inferred relationship. Every edge keeps its own wording, review date and first-party evidence.

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Maintained product comparisons

Side-by-side research only where a substantive pair is maintained.

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Research activity

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Recent activity describes maintenance work. It is not a product-quality signal.

Institution-level research

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Official evidence & accountability

Research here. Transact from the institution's current live terms.

Each published product keeps its own review date and first-party sources. Institution-level evidence never replaces product-level terms.

Official institution

Bank of Baroda

bankofbaroda.bank.in

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Institution source reviewed

September 10, 2026

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