What are the key benefits of SBI Credit Cards?

SBI Credit Cards offer a wide range of benefits, including rewards, cashback, lounge access, discounts, and insurance coverage.

How can I apply for an SBI Credit Card?

You can apply for an SBI Credit Card online through the Paisabazaar platform, where you can compare card options and check for pre-approved offers.

What factors should I consider when choosing an SBI Credit Card?

Consider your spending habits, lifestyle, and financial goals to select a card that best suits your needs, such as travel, shopping, or rewards.

How can I manage my SBI Credit Card efficiently?

SBI Card offers a user-friendly mobile app and online banking services to help you manage your card, check statements, make payments, and access additional features.

What precautions should I take to avoid accumulating credit card debt?

Responsible credit card usage includes paying bills on time, managing credit limits wisely, and avoiding unnecessary spending to prevent debt accumulation.

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Trusted by 1L+ Indians

Want to Achieve any of the below Goals upto 80% faster?

Dream Home

Dream Wedding

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Retirement

1st Crore

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Retirement

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Trusted by 3 Crore+ Indians

Want to Achieve any of the below
Goals upto 80% faster?

Dream Home

Dream Wedding

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Retirement

1st Crore

Trusted by 3 Crore+ Indians

Want to Achieve any of the below
Goals upto 80% faster?

Dream Home

Dream Wedding

Dream Car

Retirement

1st Crore

Trusted by 3 Crore+ Indians

Want to Achieve any of the below Goals upto 80% faster?

Dream Home

Dream Wedding

Dream Car

Retirement

1st Crore

Trusted by 3 Crore+ Indians

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Guide to Bank of Baroda Net Banking

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Guide to Bank of Baroda Net Banking

Jul 10, 2024

8 Mins

Bank of Baroda’s net banking feature, known as "Baroda Connect," is available 24/7. It allows customers to access a wealth of information, such as savings or current account balances and fixed deposit (FD) statuses, while also making it easy to manage multiple accounts, liquidate FDs, request cheque books, pay utility bills, and transfer funds.

Baroda Connect is designed to enable customers to perform most banking transactions from the comfort of their own homes or offices at any time. Here’s a comprehensive overview of Bank of Baroda's Net Banking services:

Features of Bank of Baroda Net Banking

Baroda Connect offers a range of features and services aimed at making banking more convenient and efficient for customers. Some of the significant features include:

Account Management

Multiple Accounts Management: Easily manage multiple accounts with a single login.
Account Summaries: Quickly check account summaries without hassle.
Transaction History: Instantly generate the transaction history of your accounts.
Tax Credit Statement (Form 26AS): View and download your tax credit statement.

Requests and Applications

ESBTR Receipt Generation: Request and generate ESBTR receipts online.
Pensioner Life Certificate: Download the pensioner life certificate.
Cheque Book Requests: Order new cheque books or cancel existing ones.
Debit/Credit Card Services: Apply for new debit or credit cards, block lost or stolen cards, and manage card settings.

Payments and Transfers

Utility Bill Payments: Pay electricity, gas, mobile, telephone, broadband, and DTH bills online.
Fund Transfers: Transfer funds to other Bank of Baroda accounts or accounts in other banks via IMPS, NEFT, or RTGS.
Bulk Payments: Facilitate bulk payments and stop payments as needed.

Investment Services

Fixed and Recurring Deposits: Create and manage fixed deposits (FDs) and recurring deposits (RDs) online.
Public Provident Fund (PPF) and Sukanya Samriddhi Accounts (SSA): View, deposit, link, and delink PPF and SSA accounts.
Sovereign Gold Bonds: Purchase Sovereign Gold Bonds.
Mutual Funds and IPOs: Invest in mutual funds and subscribe to Initial Public Offerings (IPOs).

Additional Features

E-Statements: Download e-statements for record-keeping.
Mobile Alerts: Receive free mobile updates on credit and debit transactions.
Online Donations: Make donations to various causes and organizations.
Loan Applications: Submit online applications for loans.
Nominee Management: Update, delete, or add nominees online.
Digital Signature: Corporate users can use digital signature authentication.

Benefits of Bank of Baroda Net Banking

The main benefits of using Bank of Baroda Net Banking include:

Cost and Convenience

Free Services: Most net banking services are provided free of cost.
24/7 Access: Access your bank accounts and perform transactions anytime, anywhere.
Quick Fund Transfers: Transfer funds quickly and securely to other accounts.

Utility and Bill Payments

Bill Payments: Easily pay utility bills, such as electricity, gas, mobile, telephone, and broadband bills.
Credit Card Bills: Pay credit card bills online.
Online Ticket Booking: Book airline and railway tickets online.

Security and Efficiency

Secure Transactions: Advanced security features ensure safe transactions.
Mobile OTP: Avoid delays in OTP delivery with the CA Mobile OTP feature.
Customer Support: A dedicated team of over 5,000 members is available to support users across the country.

Additional Benefits

Tax Payments: Facilitate payment of both direct and indirect taxes.
Educational Payments: Pay tuition fees for more than 125 institutions and schools.
IPO Subscriptions: Easily subscribe to Initial Public Offerings.

How to Register for Baroda Connect

Follow these steps to register for Baroda Connect, the net banking service of Bank of Baroda:

Step-by-Step Registration Process

Step 1: Visit the official website of Bank of Baroda.
Step 2: Click on 'Download Application Form' to get the form for corporate or retail users.
Step 3: Fill in the application form with the required details.
Step 4: Submit the form to the nearest Bank of Baroda branch.
Step 5: Upon verification, you will receive the User ID through your registered email address.
Step 6: Set your password using the "Set Password/Forgot Password" option.
Step 7: Retail customers can also register themselves online using the ‘Online Registration using Debit Card’ option.
Step 8: After successful registration, log in using your User ID and password.

Notes:

Retail Form: For individual account holders.
Corporate Form: For non-individuals such as businesses, HUFs, partnership firms, and sole proprietors.

How to Log in to the Bank of Baroda Net Banking Portal

Here’s how to log in to the BOB Net Banking portal:

Step-by-Step Login Process

Step 1: Visit the official website of Bank of Baroda.
Step 2: Click on 'Baroda Connect (Internet Banking)' found under the 'Digital' section.
Step 3: Select the type of user – 'Retail User' or 'Corporate User'.
Step 4: Enter your User ID and password details.
Step 5: Agree to the terms and conditions, then click 'Login' to access the net banking portal.

How to Reset Password for BOB Internet Banking

If you forget your password, you can reset it by following these steps:

Step-by-Step Password Reset Process

Step 1: Visit the Bank of Baroda Net Banking portal and click on 'Retail User'.
Step 2: Enter your User ID and click 'Enter'.
Step 3: Click on 'Forgot Sign in Password? Click Here' on the login page.
Step 4: Answer the security questions set by you.
Step 5: Click ‘Submit’.
Step 6: Enter your registered mobile number.
Step 7: Enter the OTP received on your registered mobile number.
Step 8: Click ‘Submit’.
Step 9: Reset your password by entering it twice.
Step 10: Click ‘Submit’.

Once the password has been reset, a success message will be displayed, and you can log in using the new password.

How to Check the Balance Using BOB Net Banking

Follow these steps to check your balance using Bank of Baroda Net Banking:

Step-by-Step Balance Check Process

Step 1: Log in to the net banking portal using your User ID and password.
Step 2: Register for the 'View Facility' to view your account balance.
Step 3: To make transactions using the net banking facility, register for the 'Transaction Facility'.

Transaction Limits in BOB Net Banking

Retail User Limits

The transaction limits for retail customers are as follows:

Daily Limits: No limit on government and self-linked account payments; up to 10 transactions for third-party and shopping mall payments, and 15 transactions for RTGS/NEFT.
Per Transaction: No limit on government and self-linked account payments; up to Rs. 7 lakhs for third-party and shopping mall payments, and Rs. 10 lakhs for RTGS/NEFT.
Weekly Limits: Up to Rs. 12,00,000 for third-party payments and Rs. 30,00,000 for RTGS/NEFT.
Monthly Limits: Up to Rs. 30,00,000 for third-party payments and Rs. 50,00,000 for RTGS/NEFT.
Yearly Limits: Up to Rs. 1,50,00,000 for third-party payments and Rs. 4,00,00,000 for RTGS/NEFT.

Corporate User Limits

The transaction limits for corporate customers are as follows:

Daily Limits: No limit on government and self-linked account payments; up to 25 transactions for third-party payments and 75 for shopping mall payments.
Per Transaction: No limit on government and self-linked account payments; up to Rs. 10 lakhs for third-party payments, and Rs. 20 lakhs for RTGS/NEFT.
Weekly Limits: Up to Rs. 45,00,000 for third-party payments and Rs. 2,00,00,000 for RTGS/NEFT.
Monthly Limits: Up to Rs. 1,00,00,000 for third-party payments and Rs. 5,00,00,000 for RTGS/NEFT.
Yearly Limits: Up to Rs. 6,00,00,000 for third-party payments and Rs. 30,00,00,000 for RTGS/NEFT.

Beneficiary Addition Limits

Retail User Limits

IMPS: Add up to 2 beneficiaries per day.
TPS (within the same bank): Add up to 3 beneficiaries per day.
RTGS/NEFT: Add up to 5 beneficiaries per day.
Total Beneficiaries: Add up to 10 beneficiaries per day.

Corporate User Limits

IMPS: Add up to 3 beneficiaries per day.
TPS (within the same bank): Add up to 4 beneficiaries per day.
RTGS/NEFT: Add up to 8 beneficiaries per day.
Total Beneficiaries: Add up to 15 beneficiaries per day.

Charges for Fund Transfer through NEFT/RTGS

NEFT Charges

No charges are levied on users for NEFT fund transfers through Baroda Connect.

RTGS Charges

RTGS fund transfer charges are as follows:

Rs. 2 lakh to Rs. 5 lakh:
9:00 a.m. to 12:00 p.m.: Rs. 28 + GST
12:00 p.m. to 3:30 p.m.: Rs. 29 + GST
3:30 p.m. to 5:30 p.m.: Rs. 33 + GST
After 5:30 p.m.: Rs. 33 + GST
Above Rs. 5 lakh:
9:00 a.m. to 12:00 p.m.: Rs. 55 + GST
12:00 p.m. to 3:30 p.m.: Rs. 56 + GST
3:30 p.m. to 5:30 p.m.: Rs. 61 + GST
After 5:30 p.m.: Rs. 61 + GST

How to Pay Credit Card Bills Using BOB Net Banking

Follow these steps to pay your credit card bills using BOB Net Banking:

Step-by-Step Credit Card Bill Payment Process
Step 1: Log in to the net banking portal using your User ID and password.
Step 2: Link your credit card to your savings account.
Step 3: Enter your ATM PIN to link the credit card to your bank account.
Step 4: Access data such as unbilled transactions and credit card statements for the last 6 months.
Step 5: Click on the credit card tab to access details.
Step 6: Click on 'Credit Card Payment Option' to make the payment.
Step 7: When you make a payment towards your credit card, the amount is promptly debited from your savings account and reflected on the credit card balance.

Note: GST of 18% is applicable on all banking products and services from 1 July 2017 onwards.

By leveraging Baroda Connect, Bank of Baroda's comprehensive net banking service, customers can enjoy a seamless and secure banking experience, whether managing accounts, making payments, or investing in various financial products. This guide aims to provide all the necessary information to help you get started with Bank of Baroda Net Banking and make the most of its features and benefits.

Features of Bank of Baroda Net Banking

Baroda Connect offers a range of features and services aimed at making banking more convenient and efficient for customers. Some of the significant features include:

Account Management

Multiple Accounts Management: Easily manage multiple accounts with a single login.
Account Summaries: Quickly check account summaries without hassle.
Transaction History: Instantly generate the transaction history of your accounts.
Tax Credit Statement (Form 26AS): View and download your tax credit statement.

Requests and Applications

ESBTR Receipt Generation: Request and generate ESBTR receipts online.
Pensioner Life Certificate: Download the pensioner life certificate.
Cheque Book Requests: Order new cheque books or cancel existing ones.
Debit/Credit Card Services: Apply for new debit or credit cards, block lost or stolen cards, and manage card settings.

Payments and Transfers

Utility Bill Payments: Pay electricity, gas, mobile, telephone, broadband, and DTH bills online.
Fund Transfers: Transfer funds to other Bank of Baroda accounts or accounts in other banks via IMPS, NEFT, or RTGS.
Bulk Payments: Facilitate bulk payments and stop payments as needed.

Investment Services

Fixed and Recurring Deposits: Create and manage fixed deposits (FDs) and recurring deposits (RDs) online.
Public Provident Fund (PPF) and Sukanya Samriddhi Accounts (SSA): View, deposit, link, and delink PPF and SSA accounts.
Sovereign Gold Bonds: Purchase Sovereign Gold Bonds.
Mutual Funds and IPOs: Invest in mutual funds and subscribe to Initial Public Offerings (IPOs).

Additional Features

E-Statements: Download e-statements for record-keeping.
Mobile Alerts: Receive free mobile updates on credit and debit transactions.
Online Donations: Make donations to various causes and organizations.
Loan Applications: Submit online applications for loans.
Nominee Management: Update, delete, or add nominees online.
Digital Signature: Corporate users can use digital signature authentication.

Benefits of Bank of Baroda Net Banking

The main benefits of using Bank of Baroda Net Banking include:

Cost and Convenience

Free Services: Most net banking services are provided free of cost.
24/7 Access: Access your bank accounts and perform transactions anytime, anywhere.
Quick Fund Transfers: Transfer funds quickly and securely to other accounts.

Utility and Bill Payments

Bill Payments: Easily pay utility bills, such as electricity, gas, mobile, telephone, and broadband bills.
Credit Card Bills: Pay credit card bills online.
Online Ticket Booking: Book airline and railway tickets online.

Security and Efficiency

Secure Transactions: Advanced security features ensure safe transactions.
Mobile OTP: Avoid delays in OTP delivery with the CA Mobile OTP feature.
Customer Support: A dedicated team of over 5,000 members is available to support users across the country.

Additional Benefits

Tax Payments: Facilitate payment of both direct and indirect taxes.
Educational Payments: Pay tuition fees for more than 125 institutions and schools.
IPO Subscriptions: Easily subscribe to Initial Public Offerings.

How to Register for Baroda Connect

Follow these steps to register for Baroda Connect, the net banking service of Bank of Baroda:

Step-by-Step Registration Process

Step 1: Visit the official website of Bank of Baroda.
Step 2: Click on 'Download Application Form' to get the form for corporate or retail users.
Step 3: Fill in the application form with the required details.
Step 4: Submit the form to the nearest Bank of Baroda branch.
Step 5: Upon verification, you will receive the User ID through your registered email address.
Step 6: Set your password using the "Set Password/Forgot Password" option.
Step 7: Retail customers can also register themselves online using the ‘Online Registration using Debit Card’ option.
Step 8: After successful registration, log in using your User ID and password.

Notes:

Retail Form: For individual account holders.
Corporate Form: For non-individuals such as businesses, HUFs, partnership firms, and sole proprietors.

How to Log in to the Bank of Baroda Net Banking Portal

Here’s how to log in to the BOB Net Banking portal:

Step-by-Step Login Process

Step 1: Visit the official website of Bank of Baroda.
Step 2: Click on 'Baroda Connect (Internet Banking)' found under the 'Digital' section.
Step 3: Select the type of user – 'Retail User' or 'Corporate User'.
Step 4: Enter your User ID and password details.
Step 5: Agree to the terms and conditions, then click 'Login' to access the net banking portal.

How to Reset Password for BOB Internet Banking

If you forget your password, you can reset it by following these steps:

Step-by-Step Password Reset Process

Step 1: Visit the Bank of Baroda Net Banking portal and click on 'Retail User'.
Step 2: Enter your User ID and click 'Enter'.
Step 3: Click on 'Forgot Sign in Password? Click Here' on the login page.
Step 4: Answer the security questions set by you.
Step 5: Click ‘Submit’.
Step 6: Enter your registered mobile number.
Step 7: Enter the OTP received on your registered mobile number.
Step 8: Click ‘Submit’.
Step 9: Reset your password by entering it twice.
Step 10: Click ‘Submit’.

Once the password has been reset, a success message will be displayed, and you can log in using the new password.

How to Check the Balance Using BOB Net Banking

Follow these steps to check your balance using Bank of Baroda Net Banking:

Step-by-Step Balance Check Process

Step 1: Log in to the net banking portal using your User ID and password.
Step 2: Register for the 'View Facility' to view your account balance.
Step 3: To make transactions using the net banking facility, register for the 'Transaction Facility'.

Transaction Limits in BOB Net Banking

Retail User Limits

The transaction limits for retail customers are as follows:

Daily Limits: No limit on government and self-linked account payments; up to 10 transactions for third-party and shopping mall payments, and 15 transactions for RTGS/NEFT.
Per Transaction: No limit on government and self-linked account payments; up to Rs. 7 lakhs for third-party and shopping mall payments, and Rs. 10 lakhs for RTGS/NEFT.
Weekly Limits: Up to Rs. 12,00,000 for third-party payments and Rs. 30,00,000 for RTGS/NEFT.
Monthly Limits: Up to Rs. 30,00,000 for third-party payments and Rs. 50,00,000 for RTGS/NEFT.
Yearly Limits: Up to Rs. 1,50,00,000 for third-party payments and Rs. 4,00,00,000 for RTGS/NEFT.

Corporate User Limits

The transaction limits for corporate customers are as follows:

Daily Limits: No limit on government and self-linked account payments; up to 25 transactions for third-party payments and 75 for shopping mall payments.
Per Transaction: No limit on government and self-linked account payments; up to Rs. 10 lakhs for third-party payments, and Rs. 20 lakhs for RTGS/NEFT.
Weekly Limits: Up to Rs. 45,00,000 for third-party payments and Rs. 2,00,00,000 for RTGS/NEFT.
Monthly Limits: Up to Rs. 1,00,00,000 for third-party payments and Rs. 5,00,00,000 for RTGS/NEFT.
Yearly Limits: Up to Rs. 6,00,00,000 for third-party payments and Rs. 30,00,00,000 for RTGS/NEFT.

Beneficiary Addition Limits

Retail User Limits

IMPS: Add up to 2 beneficiaries per day.
TPS (within the same bank): Add up to 3 beneficiaries per day.
RTGS/NEFT: Add up to 5 beneficiaries per day.
Total Beneficiaries: Add up to 10 beneficiaries per day.

Corporate User Limits

IMPS: Add up to 3 beneficiaries per day.
TPS (within the same bank): Add up to 4 beneficiaries per day.
RTGS/NEFT: Add up to 8 beneficiaries per day.
Total Beneficiaries: Add up to 15 beneficiaries per day.

Charges for Fund Transfer through NEFT/RTGS

NEFT Charges

No charges are levied on users for NEFT fund transfers through Baroda Connect.

RTGS Charges

RTGS fund transfer charges are as follows:

Rs. 2 lakh to Rs. 5 lakh:
9:00 a.m. to 12:00 p.m.: Rs. 28 + GST
12:00 p.m. to 3:30 p.m.: Rs. 29 + GST
3:30 p.m. to 5:30 p.m.: Rs. 33 + GST
After 5:30 p.m.: Rs. 33 + GST
Above Rs. 5 lakh:
9:00 a.m. to 12:00 p.m.: Rs. 55 + GST
12:00 p.m. to 3:30 p.m.: Rs. 56 + GST
3:30 p.m. to 5:30 p.m.: Rs. 61 + GST
After 5:30 p.m.: Rs. 61 + GST

How to Pay Credit Card Bills Using BOB Net Banking

Follow these steps to pay your credit card bills using BOB Net Banking:

Step-by-Step Credit Card Bill Payment Process
Step 1: Log in to the net banking portal using your User ID and password.
Step 2: Link your credit card to your savings account.
Step 3: Enter your ATM PIN to link the credit card to your bank account.
Step 4: Access data such as unbilled transactions and credit card statements for the last 6 months.
Step 5: Click on the credit card tab to access details.
Step 6: Click on 'Credit Card Payment Option' to make the payment.
Step 7: When you make a payment towards your credit card, the amount is promptly debited from your savings account and reflected on the credit card balance.

Note: GST of 18% is applicable on all banking products and services from 1 July 2017 onwards.