Aaj ke digital India ke zamane mein, har kisi ko ek secure aur reliable bank account chahiye hota hai. Lekin agar aap ek student, housewife ya low-income earner ho, to minimum balance maintain karna ek tension ban jaata hai. Isi problem ka solution hai – Bank of Baroda Zero Balance Account 2025.
Is blog mein hum poori detail ke saath samjhayenge:
- Kaise aap online zero balance account khol sakte ho?
- Kya-kya features aur benefits milte hain?
- Kya documents lagenge?
- Kaun eligible hai?
- Aur 2025 mein naye updates kya aaye hain?
Chaliye bina time waste kiye shuru karte hain.
Bank of Baroda Zero Balance Account 2025 – Kya Hai?
Bank of Baroda ka Zero Balance Account ek Basic Savings Bank Deposit Account (BSBDA) hai jisme:
- Aapko koi minimum balance maintain nahi karna padta
- Free debit card, net banking, mobile banking ka access milta hai
- Account opening online ya branch dono se possible hai
Yeh account un logon ke liye best hai jo banking services lena chahte hain bina kisi maintenance charge ke.
Bank of Baroda Zero Balance Account 2025 – Eligibility Criteria
Agar aap soch rahe hain ki kya aap is account ke liye eligible ho, to yeh basic criteria dekhiye:
| Criteria | Requirement |
|---|---|
| Age | Minimum 18 years (minor account bhi available hai) |
| Nationality | Indian Citizen |
| Aadhaar + PAN | Mandatory for Online Apply |
| Mobile Number | Aadhaar se linked hona chahiye |
| Address Proof | Valid hona chahiye |
Bank of Baroda Zero Balance Account – Online Apply Ka Step-by-Step Guide
Step 1: Visit BOB Website
👉 Official website: https://www.bankofbaroda.in
Step 2: Select “Open Digital Savings Account”
👀 Choose ‘BOB World Digital Savings Account’ option
Step 3: Enter Basic Details
- Full Name
- Mobile Number (OTP verify hoga)
- Email ID (optional)
- Aadhaar & PAN
Step 4: Video KYC
👤 Aapko apna face aur ID dikha ke video KYC complete karna hota hai.
Step 5: Account Number Generate
🎉 Bas! Account open ho gaya. Aapko instant account number, IFSC code mil jayega.
Bank of Baroda Zero Balance Account Features & Benefits
| Feature | Details |
|---|---|
| 🔹 Minimum Balance | Zero |
| 🔹 Annual Charges | No maintenance charge |
| 🔹 Free ATM Card | Rupay Debit Card provided |
| 🔹 UPI, NEFT, IMPS | Active & free |
| 🔹 Online Apply | Video KYC se home se |
| 🔹 Interest Rate | 2.75% p.a. (subject to change) |
Note: ATM withdrawal limit ₹25,000/day hai.
Required Documents
Zero Balance Account ke liye aapko yeh documents chahiye honge:
- Aadhaar Card (Mobile-linked)
- PAN Card
- Recent Photo
- Signature (scanned)
- Optional – Address Proof (if Aadhaar address not updated)
Charges & Fees (2025 Update)
| Service | Charges |
|---|---|
| Account Opening | Free |
| Maintenance | ₹0 |
| Debit Card | Free (1st Year), ₹125/year from 2nd |
| SMS Alert | ₹15/quarter |
| Cheque Book | Optional, ₹3 per leaf |
Difference Between Regular & Zero Balance Account
| Feature | Regular Account | Zero Balance Account |
|---|---|---|
| Minimum Balance | ₹2,000 – ₹5,000 | ₹0 |
| Penalty | Yes | No |
| Debit Card Charges | Annual | Mostly Free |
| Target Users | Salaried, Business | Students, Homemakers, BPL Families |
2025 में Bank of Baroda Zero Balance Account के Latest Changes
✔️ Instant Account via Mobile App
✔️ Aadhaar-based e-KYC with Face Match
✔️ Debit Card Delivery at Home
✔️ New BOB World Lite App Support
✔️ Faster Video KYC with AI Verification
Kaun Logon Ko BOB Zero Balance Account Lena Chahiye?
- Students
- Senior Citizens
- Homemakers
- Freelancers
- Low-income earners
- Migrant workers
- New to Banking users
BOB World App – Account Manage Karne Ka Smart Way
- Download from Play Store / App Store
- Login using Mobile OTP
- Check balance, UPI, transfer, statements – sab kuch free!
Security Features
- OTP-based Login
- Face KYC Verification
- Transaction SMS Alert
- Netbanking ke liye 2FA enabled
Compare with Other Banks – 2025
| Bank | Zero Balance Available | Free Debit Card | Online Apply |
|---|---|---|---|
| BOB | ✅ | ✅ | ✅ |
| SBI | ✅ | ✅ | ✅ |
| HDFC | ❌ | ❌ | ✅ (charges apply) |
| Axis | ✅ | ❌ | ✅ |
FAQs :
Q1: Kya BOB Zero Balance Account mein cheque book milega?
Ans: Haan, optional hai. Aap apply kar sakte ho ₹3 per leaf charge par.
Q2: Kya student ke liye bhi yeh account best hai?
Ans: Bilkul. Student ke liye perfect hai kyunki koi minimum balance nahi chahiye.
Q3: Kya account open hone ke baad turant use kar sakte hain?
Ans: Haan, instant account number milta hai, use UPI, debit card use kar sakte ho.
Q4: Aadhaar me address outdated hai to apply kar sakte hain?
Ans: Aapko valid address proof extra dena hoga ya Aadhaar update karwana hoga.
Conclusion
Agar aap ek hassle-free, no maintenance charge wala bank account dhoondh rahe ho to Bank of Baroda Zero Balance Account 2025 aapke liye perfect solution hai. Online apply karna simple hai, aur aap ghar baithe account open kar sakte ho – bina kisi tension ke.
Electric Scooter 2025 Under ₹1 Lakh ki tarah hi, Bank of Baroda Zero Balance Account 2025 bhi ek smart and budget-friendly option hai har Indian ke liye!
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