I am sharing my experience regarding bank of Baroda. I got the worst feeling with bank of Baroda as my account was open with the behalf of my college and I used that account till I left my college. When I was in Delhi in 2016, I needed the urgent money anyhow then my friend transferred the 1000 rupees in my account and suddenly I got the message from bank that they deducted the 700 rupees by applying their annoying charges because I used my account after 1 year. Then I contacted their customer service they told me that money were deducted from your account because you did not used your account since 1 year that why we applied some charges like net, ATM charge, account maintenance charges and etc.
One biggest disadvantage is you can find their own ATM easily even in Delhi, Mumbai and multinational cities and that disadvantage makes it worst bank according to me. So guys don’t go for it.