Explore Key Features of Baroda Connect Internet Banking

Baroda Connect, the Bank of Baroda's internet banking service, provides customers seamless 24/7 access to manage their savings and current accounts. Users can check fixed deposit statuses, handle multiple accounts, liquidate FDs, request cheque books, pay utility bills, and transfer funds effortlessly.

With a focus on convenience, Baroda Connect offers a wide array of online banking services accessible anytime, anywhere. Here's an overview of its main features:

Features of Bank of Baroda Net Banking

Enhance banking efficiency and convenience with Baroda Connect:

Account Management

• Multiple Accounts Management: Effortlessly manage multiple accounts with a single login.
• Account Summaries: Obtain detailed account summaries at your fingertips.
• Transaction History: Instantly generate transaction histories.
• Tax Credit Statement (Form 26AS): View and download tax credit statements.

Requests and Applications

• ESBTR Receipt Generation: Request ESBTR receipts online.
• Pensioner Life Certificate: Download the certificate conveniently online.
• Cheque Book Requests: Request or cancel cheque books.
• Debit/Credit Card Services: Apply for, block, or manage cards online.

Payments and Transfers

• Utility Bill Payments: Pay various bills such as electricity and gas online.
• Fund Transfers: Use IMPS, NEFT, or RTGS for fund transfers.
• Bulk Payments: Manage bulk and stop payments efficiently.

Investment Services

• Fixed and Recurring Deposits: Manage FDs and RDs online.
• Public Provident Fund (PPF) and Sukanya Samriddhi Accounts (SSA): Access and manage these savings accounts.
• Sovereign Gold Bonds: Purchase government gold bonds with ease.
• Mutual Funds and IPOs: Invest in mutual funds and subscribe to IPOs.

Additional Features

• E-Statements: Download e-statements for easy record-keeping.
• Mobile Alerts: Receive transaction alerts directly on mobile.
• Online Donations: Make charitable donations effortlessly.
• Loan Applications: Submit loan applications online.
• Nominee Management: Manage nominees in your accounts digitally.
• Digital Signature: Use digital signatures for corporate authentication.

Benefits of Bank of Baroda Net Banking

Cost and Convenience

• Free Services: Most banking services come at no extra cost.
• 24/7 Access: Perform transactions anytime.
• Quick Fund Transfers: Enjoy secure and speedy money transfers.

Utility and Bill Payments

• Bill Payments: Simplify bill payments for utilities.
• Credit Card Bills: Make online credit card payments.
• Online Ticket Booking: Book travel tickets directly through the portal.

Security and Efficiency

• Secure Transactions: Advanced security features ensure safe transactions.
• Mobile OTP: Quick delivery of OTPs via mobile.
• Customer Support: Access comprehensive support from over 5,000 representatives nationwide.

Additional Benefits

• Tax Payments: Pay direct and indirect taxes online.
• Educational Payments: Easily pay tuition fees.
• IPO Subscriptions: Seamlessly subscribe to IPOs.

How to Register for Baroda Connect

Follow these steps to register for Baroda Connect:

1. Visit the official Bank of Baroda website.
2. Download the user application form.
3. Fill out the necessary details on the form.
4. Submit the completed form at the nearest branch.
5. Receive your User ID via email post verification.
6. Set your password using the set/reset options.
7. Retail users can register online using their Debit Card.
8. Log in with provided credentials after registration.

Note: Different forms are available for individual and corporate entities.

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

Steps to log in to BOB Net Banking:

1. Visit the Bank of Baroda's website.
2. Select 'Baroda Connect (Internet Banking)'.
3. Choose 'Retail' or 'Corporate' user type.
4. Enter your User ID and password.
5. Accept terms and click 'Login'.

How to Reset Password for BOB Internet Banking

To reset your password, follow these steps:

1. Visit the Net Banking portal and select 'Retail User'.
2. Enter your User ID.
3. Click on 'Forgot Sign in Password?'
4. Answer the security questions.
5. Click ‘Submit’.
6. Enter your registered mobile number.
7. Input the OTP received.
8. Submit and reset your password.
9. Choose a new password and confirm it.
10. Finalize submission.

A success prompt will indicate that you can log in with the new password.

How to Check the Balance Using BOB Net Banking

Steps to check your balance using BOB Net Banking:

1. Log in with your credentials.
2. Register for the 'View Facility'.
3. Select 'Transaction Facility' for full transaction access.

Transaction Limits in BOB Net Banking

Retail User Limits

• Daily Limits: Unlimited for government/self-linked payments; limited to 10 transactions for third-party/shopping mall and 15 transactions for RTGS/NEFT.
• Per Transaction: Unlimited for government/self-linked; up to Rs. 7 lakhs for third-party, and Rs. 10 lakhs for RTGS/NEFT.
• Weekly Limits: Rs. 12,00,000 for third-party; Rs. 30,00,000 for RTGS/NEFT.
• Monthly Limits: Rs. 30,00,000 for third-party; Rs. 50,00,000 for RTGS/NEFT.
• Yearly Limits: Rs. 1,50,00,000 for third-party; Rs. 4,00,00,000 for RTGS/NEFT.

Corporate User Limits

• Daily Limits: Unlimited for government/self-linked; up to 25 third-party transactions, and 75 shopping mall transactions.
• Per Transaction: Unlimited for government/self-linked; up to Rs. 10 lakhs for third-party, and Rs. 20 lakhs for RTGS/NEFT.
• Weekly Limits: Rs. 45,00,000 for third-party; Rs. 2,00,00,000 for RTGS/NEFT.
• Monthly Limits: Rs. 1,00,00,000 for third-party; Rs. 5,00,00,000 for RTGS/NEFT.
• Yearly Limits: Rs. 6,00,00,000 for third-party; Rs. 30,00,00,000 for RTGS/NEFT.

Beneficiary Addition Limits

Retail User Limits

• IMPS: Add up to 2 beneficiaries per day.
• TPS: Register up to 3 beneficiaries per day within the same bank.
• RTGS/NEFT: Add up to 5 beneficiaries per day.
• Total Beneficiaries: Limit of 10 beneficiaries per day.

Corporate User Limits

• IMPS: Add up to 3 beneficiaries per day.
• TPS: Register up to 4 beneficiaries per day within the same bank.
• RTGS/NEFT: Add up to 8 beneficiaries per day.
• Total Beneficiaries: Limit of 15 beneficiaries per day.

Charges for Fund Transfer through NEFT/RTGS

NEFT Charges: Benefit from free NEFT transaction options for Baroda Connect users.

RTGS Charges:

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

Steps to pay credit card bills:

1. Log into the portal.
2. Link your credit card with your account.
3. Use your ATM PIN for transaction linkage.
4. Access transaction history and statements.
5. Select the 'Credit Card Payment Option'.
6. Debit the payment amount, which reflects instantly on your credit card.

Note: An 18% GST applies to banking products and services from July 2017.

Baroda Connect empowers Bank of Baroda customers with a streamlined and secure banking experience, enabling efficient account management, payments, and investments in financial products with comprehensive guidance for service use optimization.