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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 evidencePublished researchReviewed September 9, 2026Active
Balance / relationshipZero 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.
Cost / chargesZero minimum monthly average balance and nil non-maintenance charge under the current bob Champ proposition. Debit-card issuance is free; renewal follows Bank of Baroda's current debit-card service-charge schedule.
Limits / allowancesCurrent bob Champ terms state ₹5,000 overall daily transaction limit and ₹3,000 combined ATM/POS daily limit; ATM withdrawal is capped at ₹3,000 per day.
Ongoing relationship ruleBank of Baroda explicitly offers either a bob Champ RuPay Debit Card or RuPay Classic Debit Card from age 10; this profile maps only the named bob Champ option as an available, not guaranteed, variant.
Research processPublished by littleden.blog

Structured from first-party bank/issuer evidence. This page does not claim personal hands-on product use unless that experience is explicitly stated.

2 first-party sources
Last checkedSeptember 9, 2026

Recorded source review date, not a claim that the product changed that day.

Maintenance stateWithin scheduled review window

Target recheck: January 7, 2027.

Critical decision facts

Start with the ongoing account relationship, then price the access layer.

Balance or salary conditions, charges, allowances and downgrade rules can matter more than a promotional benefit.

01 · Balance / relationshipZero 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.
02 · Cost / chargesZero minimum monthly average balance and nil non-maintenance charge under the current bob Champ proposition. Debit-card issuance is free; renewal follows Bank of Baroda's current debit-card service-charge schedule.
03 · Limits / allowancesCurrent bob Champ terms state ₹5,000 overall daily transaction limit and ₹3,000 combined ATM/POS daily limit; ATM withdrawal is capped at ₹3,000 per day.
04 · Ongoing relationship ruleBank of Baroda explicitly offers either a bob Champ RuPay Debit Card or RuPay Classic Debit Card from age 10; this profile maps only the named bob Champ option as an available, not guaranteed, variant.
Maintained terms

Fees, balances, benefits, limits and eligibility without a single-score shortcut.

These six fields are the cross-product layer. The specialist section above controls whenever a type-specific field is more precise.

Cost / chargesZero minimum monthly average balance and nil non-maintenance charge under the current bob Champ proposition. Debit-card issuance is free; renewal follows Bank of Baroda's current debit-card service-charge schedule.
Balance / relationshipZero 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.
Core benefitsTheme-based bob Champ RuPay Debit Card or RuPay Classic option from age 10, internet/mobile banking above 10, one free DD per month for eligible fee payment, education-oriented transfer treatment and auto/reverse sweep.
Limits / allowancesCurrent bob Champ terms state ₹5,000 overall daily transaction limit and ₹3,000 combined ATM/POS daily limit; ATM withdrawal is capped at ₹3,000 per day.
EligibilityResident minors age 0-18. A minor above 10 may hold the account singly; younger minors can use the account jointly/through a parent or guardian under current Bank of Baroda rules.
Ongoing relationship ruleBank of Baroda explicitly offers either a bob Champ RuPay Debit Card or RuPay Classic Debit Card from age 10; this profile maps only the named bob Champ option as an available, not guaranteed, variant.
Fit & cautions

Who this record appears designed for—and what can break the fit.

Best-fit wording summarizes the published proposition. It is not individualized financial advice or an approval prediction.

Potential fit

Families wanting a zero-minimum-balance public-sector child account with explicit self-operation, digital-access and child-card limits.

Verify before relying
  • The bank lists two possible debit-card variants, so the bob Champ card should not be presented as guaranteed for every eligible child.
  • The ₹1 lakh maximum-balance wording is age-sensitive and should not be flattened into one cap for all 0-18 customers.
  • Zero MAB does not make every service permanently free; debit-card renewal and other charges follow the current service schedule.
Verified product relationships

Links the bank explicitly documents.

This section is narrower than the same-bank map below. Every relationship shown here has its own first-party evidence; products merely sharing a bank are not treated as linked.

Named debit-card option

Bank of Baroda bob Champ RuPay Debit Card

Bank of Baroda explicitly lists the bob Champ RuPay Debit Card as one of the debit-card variants available to eligible bob Champ account holders from age 10.

The account page also lists RuPay Classic as an alternative, so this edge records an available named option rather than guaranteeing this exact card for every account.Verify relationship at bank ↗
Maintained comparisons

Compare this product only where the pair is deliberately maintained.

Both sides keep independent review dates, exact conditions and first-party evidence. No winner score is generated.

First-party source ledger

Complete evidence set for this maintained profile.

Each source remains independent. A product page, tariff, KFS/MITC, rate schedule or programme document is not silently treated as interchangeable evidence.

Current-use rule

When the bank changes a term after the recorded review, the current agreement, tariff, KFS/MITC or effective rate table controls.

Research boundary

This page organizes dated public evidence; it does not guarantee eligibility, availability, approval, service quality or future pricing.