Iam using bank of baroda account for my daily uses its main uses are creating account is easy just 10 min with adhar card and finger prints then your account will we credited and passbook will be given to you so, its very fast working bank that you can open it with zero account ballence But its ifsc code is not vaild at paytm and another apps that it is vaild only at cities not at small towns its is founded in 1918 in india now it is world wide bank providing all facilities of credit cards , debit card, atm card, internet banking mobile banking. So use it but it ranking in world banks is 1159 out of 2000 so it is not so bad . I have not satisfied well .