Bank of Baroda Dormant Account Reactivation 2026 — Complete Guide

Bank of Baroda (which merged with Vijaya Bank and Dena Bank in 2019) marks accounts dormant after 24 consecutive months without a customer-initiated debit. Here's how to reactivate your BOB dormant account — including legacy Vijaya Bank and Dena Bank accounts.

BOB Dormant Account — Restrictions

Method 1: BOB World Mobile App

1. Open BOB World app → Login
2. "Services" → "Account Maintenance" → "Activate Dormant Account" (if available)
3. Complete Aadhaar OTP KYC
4. Submit request
5. Processing: 24–72 hours

Method 2: BOB Net Banking

1. Login at baroda connect
2. "Services" → "Dormant Account Activation"
3. Update KYC documents online
4. Submit
5. Processing: 2–5 working days

Method 3: BOB Branch (Standard)

1. Visit any Bank of Baroda branch
2. Carry: Aadhaar (original + copy) + PAN (original + copy) + account passbook
3. Request: "Dormant Account Activation Form"
4. Fill form → Deposit ₹100 at counter
5. Same-day processing

BOB Customer Care: 1800-5700 (toll-free)

Legacy Vijaya Bank / Dena Bank Dormant Accounts

• BOB merged with Vijaya Bank and Dena Bank in April 2019
• Old passbook from Vijaya/Dena is valid for branch identification
• Same reactivation process applies
• Get new BOB account number confirmed (if account was migrated)

Frequently Asked Questions

Bank of Baroda dormant account for 6 years — still reactivable? Yes — up to 10 years. Visit BOB branch with Aadhaar + PAN. Balance is still at BOB. After 10 years: DEAF transfer applies but funds are claimable.

My BOB dormant account has salary pending for 2 years — can I access it? Yes — all credited salary is still in your account (dormant accounts receive credits). Reactivate via branch to withdraw accumulated salary.

Can BOB World app reactivate dormant accounts for all customers? BOB World dormant reactivation is available for select accounts with up-to-date KYC. Branch visit is the guaranteed method for all cases.

BOB charged ₹700/year maintenance on dormant account — can I dispute? Charges are valid per BOB's schedule of charges. For waiver: Raise request at branch or BOB customer care 1800-5700. Waivers are given on a case-by-case basis.

DEAF transfer — when does BOB transfer dormant account funds? After 10 years of inactivity, BOB transfers balance to RBI DEAF Fund. Claim process: BOB branch → DEAF Claim Form → Takes 5–7 working days for recovery.