
The Bank of Baroda CA is a popular certification for chartered accountants in India. It's a highly respected credential that can open doors to exciting career opportunities.
To be eligible for the Bank of Baroda CA certification, you'll need to pass the Institute of Chartered Accountants of India (ICAI) exams and have at least 3 years of articleship experience. The certification is offered by the Bank of Baroda in association with the ICAI.
The Bank of Baroda CA certification is a great way to boost your career prospects, with many job opportunities available in the banking and finance sectors.
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Bank of Baroda CA Features
You can open a current account with Bank of Baroda with a minimum QAB balance of NIL.
The bank offers free cheque book, ledger folio, SMS and email alerts, sweep facility, NEFT, RTGS, and IMPS transactions through branch or internet banking.
If you need to collect outstation cheques, there are no collection charges, only postage payable.

Here are some features of Bank of Baroda's CA accounts:
You can also enjoy free internet payment gateway, POS, and QR code facilities with Bank of Baroda's CA accounts.
The bank offers discounts on demat services, including a 25% waiver of annual custody charges to partners, directors, proprietors, and authorized managing members.
Additionally, you can get a 100% discount on issuance of demand draft/bankers cheque with the SUPREME Current Account.
Government Bodies Account
For government bodies, Bank of Baroda offers a range of features and free services with their Current Account.
You can enjoy free cheque books, ledger folios, SMS and email alerts, and even sweep facility upon request.
The bank also provides free NEFT, RTGS, and IMPS transactions through their branch or internet banking. Cash deposits are also free at the base branch.
Here are some of the free services offered by Bank of Baroda for government bodies:
- NEFT/RTGS/IMPS through Branch / Internet Banking: Free
- Cash Deposit: Free at Base Branch
- Standing Instruction within branch: Free
- Internet Banking: Free
- SMS Alerts: Free
- E statement: Free
- Auto Payroll: Free
- Ledger Folio: Free
- Balance Certificate: Free once in a month
- Signature Verification: Free once in a month
Govt Bodies Account Features
Having a Government Bodies Account with Bob can be a convenient and cost-effective option. There is no minimum balance required to maintain in your QAB account.

You'll also appreciate the free services that come with the account. Cheque books, ledger folios, SMS, and email alerts are all provided at no extra cost.
If you need to make transactions, you're in luck - NEFT, RTGS, and IMPS services are free through the bank's branch or internet banking.
Cash deposits are also free at the base branch, making it easy to manage your finances.
Here are some key features of the Government Bodies Account with Bob:
- Minimum QAB balance: NIL
- Cheque book / Ledger Folio/ SMS & Email Alerts: Free
- NEFT / RTGS / IMPS through Branch/Internet Banking: Free
- Cash deposit: Free in Base Branch.
- Internet Payment Gateway (IPG) / Baroda Cash Management Services (BCMS) / Public Financial Management System (PFMS): As per Bank’s extant guidelines.
- Cash deposit: Free in Base Branch.
Additionally, there are no collection charges for outstation cheques - only postage payable.
Govt Bodies Account: Fees
Opening a Govt Bodies account with Bob seems to be a straightforward process. You can open an account without any initial deposit requirement.
The fees associated with a Govt Bodies account are quite reasonable. Here are some of the free services you can expect:
- NEFT/RTGS/IMPS transactions through Branch or Internet Banking are free.
- Standing Instruction within the branch is also free.
- Internet Banking, SMS Alerts, E-statement, Auto Payroll, and Ledger Folio are all free services.
If you need to deposit cash, it's free at the base branch, but charges apply for non-base branch or intersol transactions. Collection of outstation cheques doesn't incur any charges, but you'll need to pay postage.
You can request a Balance Certificate and Signature Verification once a month, both of which are free services.
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Government Bodies Account: MITC

For Government Bodies Account: MITC, you'll enjoy a range of benefits, including free cheque book and ledger folio services.
You won't need to maintain a minimum QAB balance, which is a relief for many account holders.
The account offers sweep facility, available on request, and NEFT/RTGS/IMPS transactions are free through branch or internet banking.
Cash deposit is free at the base branch, making it convenient for daily transactions.
Here are some key features of the account:
- Free cheque book and ledger folio services
- No minimum QAB balance required
- Sweep facility available on request
- Free NEFT/RTGS/IMPS transactions through branch or internet banking
- Cash deposit free at base branch
Supreme Account
The Supreme Account offered by Bank of Baroda is a versatile option for individuals and businesses. It can be opened as a single or joint account, and the minimum quarterly average balance (QAB) is Rs. 2,50,000 at all locations.
You can earn higher interest on your deposit with the auto and reverse sweep facility. This means you can earn interest on your deposits while still having access to your funds as needed.
The Supreme Account comes with a range of convenient features, including free monthly statements, balance certificates, folio charges, signature verification, and cheque book. You'll also get free Baroda Connect (Internet Banking) and mobile banking for individual and proprietorship accounts.
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If you're a business owner, you'll appreciate the Baroda Vypaar business debit card, which is available for individual and proprietorship accounts only. This card offers a range of benefits and can be used for various business purposes.
Here are some of the key benefits of the Supreme Account:
- Auto and reverse sweep facility enabling current account holders to earn interest
- Monthly statements: free
- Balance certificate: free
- Folio charges: free
- Signature verification: free
- Cheque book: free
- Auto payroll: free
- Free Baroda Connect (Internet Banking): free
- Free mobile banking for individual/ proprietorship accounts only
- Immediate credit of outstation cheques: Maximum outstanding not to exceed Rs. 1,50,000 at any time
- Missed call facility: free
- SMS alert facility: free
- POS/ QR code facility available
- Internet Payment Gateway (IPG) facility available
You'll also enjoy discounts on various services, including 100% discount on issuance of demand draft/Bankers cheque, 20% Rebate/ discount on locker rent, and 25% waiver of annual custody charges on demat services. Additionally, you'll get a 25% discount on Auto Loan Processing Charges and 10% discount on Retail Loan (Home, Education, Mortgage Loans) Processing Charges.
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Savings and Fixed Deposits
Bank of Baroda offers a range of savings accounts that cater to different needs and preferences. The bank's savings accounts come with features such as online banking, mobile banking, and debit cards.
One of the benefits of Bank of Baroda's savings accounts is that they offer high interest rates, making it an attractive option for those looking to grow their savings.
The bank's fixed deposit scheme allows customers to earn higher interest rates by locking in their funds for a fixed period. The interest rates for fixed deposits vary depending on the tenure and amount deposited.
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Premium NRE Savings Account

The Premium NRE Savings Account is a great option for high value NRI customers, available in all Indian branches.
This account offers value added propositions and privileges, making it a desirable choice for those who want to save and earn interest on their money.
It's a saving bank product, designed to help customers save and grow their wealth over time.
The account is specifically tailored for Non-Resident Indians (NRIs), offering them a convenient and secure way to manage their finances in India.
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Fixed Deposits NRO
Fixed Deposits NRO can be a great option for non-resident Indians looking to save money.
The Baroda Advantage Fixed Deposits NRO-Non Callable offers a differential rate of interest over the Normal Fixed Deposit rate.
This means that you can earn a higher interest rate on your fixed deposit, which can add up over time.
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Home Loans
For NRIs, Bank of Baroda offers a Baroda Home Loan with an APR as low as possible, with terms and conditions applying to the loan.
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The bank also offers a Baroda Home Loan Max Savings scheme specifically for NRI/PIOs, where they can deposit all their savings into a linked savings bank account to maximize interest benefits in their Home Loan account.
By linking their savings account, NRIs can take full advantage of the interest benefits on their Home Loan, making homeownership more affordable and convenient.
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Home Loan for NRIs
For NRIs, Baroda Bank offers a range of home loan options that can help them achieve their dream of owning a home in India.
Baroda Home Loan for NRI offers an APR as low as possible, but the terms and conditions apply.
If you're a non-resident Indian, you can also consider the Baroda CRE Home Loan for NRI/PIOs, which offers max savings on your home loan.
This scheme considers the exposure for the third house onwards or purchase of plot, making it a great option for individuals with multiple properties.
To avail the maximum benefit of interest in the Home Loan account, you need to deposit all your savings to the linked SB account with Baroda Home Loan Max Savings for NRI/PIOs.
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Top Up Loan

A Top Up Loan is an additional loan facility extended to home loan borrowers for any purpose except speculative/illegal purposes.
You can use a Top Up Loan to fund home improvements such as repairs or renovation.
A Top Up Loan can also be used to purchase essential home gadgets like fans, geysers, air conditioners, water filters, air purifiers, heaters, and desert coolers.
These types of purchases can make a big difference in the comfort and livability of your home, and a Top Up Loan can help you afford them.
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Frequently Asked Questions
Which Bank merged with Bank of Baroda?
Dena Bank and Vijaya Bank were merged with Bank of Baroda in 2018. The amalgamation took effect after the government of India's proposal on September 17, 2018.
How can I check my BOB account online?
To check your BOB account online, log in to the BOB online banking portal and select the 'View Account Details' option. From there, click on 'Check Account Balance' to view your current account balance.
Sources
- https://www.bankofbaroda.in/personal-banking/accounts/saving-accounts/bob-professional-saving-bank-account
- https://www.bankofbaroda.in/personal-banking/accounts/current-accounts/bob-govt-bodies-current-account
- https://www.bankofbaroda.in/personal-banking/accounts/current-accounts/bob-platinum-current-account
- https://www.bankofbaroda.in/personal-banking/accounts/current-accounts/bob-supreme-current-account
- https://www.bankofbaroda.in/nri-banking
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