Bank of Baroda Savings Account Video KYC

1. Ensures a secure and reliable customer onboarding experience 

1. Enables instant account opening through a completely paperless and contactless process 

1. Offers access to debit card, internet banking, and mobile banking facilities
   

Eligibility for Bank of Baroda Savings Account Video KYC 

The eligibility criteria to open savings account via video KYC in Bank of Baroda are mentioned below: 

1. Only Indian individuals who are tax residents. 

1. Must be 18 years or above. 

1. This facility is available exclusively for New to Bank (NTB) customers; existing customers are restricted due to system-based deduplication checks. 

1. Must not be a politically exposed person. 

1. The account can only be opened in a single name and must be self-operated. 

1. Only individuals of sound mind, capable of reading, speaking, and writing (excluding intoxicated persons), are eligible to open an account through this mode. 

Documents Required for Bank of Baroda Savings Account Video KYC 

The documents required to open Bank of Baroda savings account via video KYC: 

1. Aadhaar number 

1. PAN number 

1. Valid mobile number linked to Aadhaar 

1. Active and valid email ID 

Note: Apart from the documents applicants also need to have: 

1. Internet-enabled devices such as a mobile phone, tablet, or laptop (mobile preferred). 

1. Desktop or laptop with webcam and microphone support. 

1. A white sheet of paper and a blue ballpoint pen. 

How to Open Bank of Baroda Savings Account via Video KYC? 

To open Bank of Baroda savings account via video KYC, follow the below-mentioned steps: 

Step 1: Basic Details 

1. Enter and verify Email ID via verification link. 

1. Enter Aadhaar-linked mobile number. 

1. Authenticate using 6-digit OTP. 

1. Accept FATCA (Foreign Account Tax Compliance Act), T&Cs (Terms and Conditions), CKYC (Central Know Your Customer) declarations by clicking provided links. 

1. AML check will be done in the background, and restricted customers will be asked to visit a branch. 

Step 2: Aadhaar and PAN 

1. Enter the PAN number, as real-time validation with NSDL (National Securities Depository Limited) is mandatory. 

1. Enter Aadhaar and give consent for OTP-based authentication via UIDAI (Unique Identification Authority of India). 

1. Enter OTP received on Aadhaar-linked mobile number. 

Note: Account process will not proceed if: 

1. Aadhaar is not linked with mobile 

1. Name mismatch between PAN and Aadhaar 

Step 3: Verification and Branch Selection 

1. Customer photo and details (Name, Gender, DOB, Address) will be auto filled from Aadhaar. 

1. Aadhaar address used for both permanent and communication address. 

1. Nearest branch will be auto suggested based on Aadhaar PIN code. 

1. As per selection on Bank’s website, the scheme info displayed. 

Step 4: Personal Details 

1. Enter details, such as father’s, mother’s, maiden name, religion, education, etc. 

1. Additional info required are employment status, income, marital status (spouse info if married). 

1. Enter the organization name and designation if employed. 

1. For salary accounts, upload either an employment letter, ID card or Salary slip. 

1. For pensioners (SB 114), upload PPO document. 

Step 5: Nominee Details 

1. Default nominee option set to Yes. 

1. Enter nominee details, such as name, DOB (date of birth), relationship and address. 

1. If the nominee is minor, then enter guardian details. 

1. Select “Same as applicant” for nominee/guardian address. 

1. Select “No Nominee” if you have no one to add as nominee. 

Step 6: Additional Services 

Select your preferred services, such as:  

1. Mobile Banking 

1. Internet Banking 

1. Debit Card 

1. UPI 

1. SMS Alerts 

1. Cheque Book 

Note: 

1. Mobile Banking MPIN and Internet Banking ID will be sent to the registered mobile number or email address. 

1. Debit Card will be delivered within seven working days, and UPI ID will be activated in one working day. 

Step 7: Application Preview and Submission 

1. Before final submission, view and verify all entered details. 

1. Personal, Nominee, and Additional Services can be edited. 

1. On submission application will be saved; URN and Video KYC link sent via SMS and email. 

1. Proceed to complete Video KYC for account activation. 

Important Terms and Conditions 

Important terms and conditions related to the Bank of Baroda savings account video KYC are listed below: 

1. Name in the account and on Aadhaar and PAN must match. 

1. Full KYC is not available if the address fetched from UIDAI is deemed incomplete by the Bank. 

1. Permanent and communication addresses will be as per Aadhaar records. 

1. Account eligibility and key features for different customer segments are available on the Bank’s website. 

1. An account will be opened only after the successful V-KYC and Bank’s internal authorization. 

1. Bank reserves the right to reject any account opening request. 

1. Within two working days of application submission account will be activated and ready for use. 

1. Account details and M-PIN for Mobile Banking will be sent to the registered mobile number and email ID. 

1. To start transactions, customers can download the bob World app from Play Store/App Store. 

1. Requests for Mobile Banking, Internet Banking, Debit Card, UPI, and Cheque Book can be made during the account opening process. 

1. The location and IP address of the device used for account opening will be accessed by the bank. 

1. Customers can choose a branch only within the city mentioned on their Aadhaar. 

1. Customers can call the toll-free number (1800-258-1111) for assistance. 

1. Only savings-oriented transactions are allowed. 

1. Commercial transactions are not permitted. 

1. The Bank may close the account with prior intimation if any non-permissible transactions are identified. 

Things to Remember to Open Bank of Baroda Savings Account via Video KYC 

Significant details to remember to open Bank of Baroda savings account via video KYC are listed below: 

Video KYC (V-KYC) Slot Booking Process 

1. A link to book V-KYC slot is sent via SMS, after application submission. 

1. The customer must enter an OTP received on their registered mobile number. 

1. A 15-minute time slot for V-KYC (between 9 a.m. to 8 p.m. on working days) will be displayed for selection. 

1. An acknowledgment message confirms the scheduled video call after slot selection. 

Initiating the V-KYC Call 

1. An SMS is sent 2 minutes before the scheduled time with a link to start the video call. 

1. Before starting the process, the customer must provide access to their location, camera, and microphone. 

1. The call connects with a Bank Agent, who verifies identity by asking basic questions (e.g., City of residence, Father’s name). 

1. Preferably use a mobile device for better camera quality and ensure strong internet connectivity to avoid disruptions. 

Documents and Identity Verification 

During the call: 

1. A selfie is captured. 

1. Customer shows original PAN card – validated via NSDL server. 

1. Customer shows original Aadhaar card – validated via OTP from UIDAI. 

1. Customer signs on a blank white piece of paper, which is verified by the Bank Agent. 

Post V-KYC Completion 

After successful verification: 

1. A URN (Unique Reference Number) is sent via SMS or email. 

1. The account is created immediately, after reviewing the details. 

1. A welcome letter (password-protected with PAN) is sent via email, containing details, such as account number, customer ID, address, branch details, and UPI ID. 

1. M-PIN is sent to the registered mobile number. 

1. Internet Banking ID and UPI ID are shared within T+2 days via email or SMS. 

1. Customer's signature is uploaded to CBS. 

1. Welcome Kit (Debit Card & Cheque Book) is delivered to the registered address within seven working days.