Bank of Baroda provides a net banking facility named "Baroda Connect," available 24/7, which allows customers to access a host of services like checking savings or current account balances, monitoring fixed deposit (FD) statuses, managing multiple accounts, liquidating FDs, requesting cheque books, paying utility bills, and transferring funds.

Baroda Connect is designed to let customers handle most banking tasks from the convenience of their homes or offices anytime. Here's a detailed overview of these net banking services:

Features of Bank of Baroda Net Banking

Baroda Connect offers various features, enhancing banking convenience and efficiency:

Account Management

• Multiple Accounts Management: Manage various accounts with one login.
• Account Summaries: Access account summaries easily.
• Transaction History: Generate transaction histories instantly.
• Tax Credit Statement (Form 26AS): View and download your tax credit statement.

Requests and Applications

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

Payments and Transfers

• Utility Bill Payments: Pay bills for electricity, gas, mobile, etc., online.
• Fund Transfers: Move funds between accounts via IMPS, NEFT, or RTGS.
• Bulk Payments: Handle 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 accounts.
• Sovereign Gold Bonds: Purchase these bonds.
• Mutual Funds and IPOs: Invest in mutual funds/subscribe to IPOs.

Additional Features

• E-Statements: Download for record-keeping.
• Mobile Alerts: Get transaction alerts.
• Online Donations: Make donations easily.
• Loan Applications: Apply online for loans.
• Nominee Management: Manage nominees online.
• Digital Signature: Use it for corporate authentication.

Benefits of Bank of Baroda Net Banking

Cost and Convenience

• Free Services: Most services are free.
• 24/7 Access: Perform transactions any time.
• Quick Fund Transfers: Secure and speedy transfers.

Utility and Bill Payments

• Bill Payments: Easy payment for various utilities.
• Credit Card Bills: Pay online.
• Online Ticket Booking: Book travel tickets online.

Security and Efficiency

• Secure Transactions: Safety with advanced security features.
• Mobile OTP: Fast OTP delivery feature.
• Customer Support: 5,000+ members for support nationwide.

Additional Benefits

• Tax Payments: Pay direct/indirect taxes.
• Educational Payments: Pay tuition fees.
• IPO Subscriptions: Subscribe to IPOs easily.

How to Register for Baroda Connect

Steps to register for Baroda Connect:

• Step 1: Visit the official Bank of Baroda site.
• Step 2: Download the application form for users.
• Step 3: Fill out the form with details.
• Step 4: Submit it to the nearest branch.
• Step 5: Receive User ID via email post verification.
• Step 6: Set password using the set/reset options.
• Step 7: Retail users can register online via Debit Card.
• Step 8: Login using provided credentials post-registration.

Note: Different forms for individual and corporate entities.

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

Login steps for BOB Net Banking:

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

How to Reset Password for BOB Internet Banking

Reset your password by:

• Step 1: Visit the Net Banking portal, select 'Retail User'.
• Step 2: Enter User ID.
• Step 3: Click 'Forgot Sign in Password?'
• Step 4: Answer security questions.
• Step 5: Click ‘Submit’.
• Step 6: Enter registered mobile number.
• Step 7: Enter OTP received.
• Step 8: Submit and reset password.
• Step 9: Choose a new password, confirm.
• Step 10: Final submit.

A success prompt follows, enabling login with the new password.

How to Check the Balance Using BOB Net Banking

Steps to check balance via BOB Net Banking:

• Step 1: Log in with credentials.
• Step 2: Register for the 'View Facility'.
• Step 3: Opt for 'Transaction Facility' if full transaction access is needed.

Transaction Limits in BOB Net Banking

Retail User Limits

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

Corporate User Limits

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

Beneficiary Addition Limits

Retail User Limits

• IMPS: 2 beneficiaries per day.
• TPS: 3 beneficiaries/day within the same bank.
• RTGS/NEFT: 5 beneficiaries/day.
• Total Beneficiaries: 10 people per day.

Corporate User Limits

• IMPS: 3 beneficiaries/day.
• TPS: 4 beneficiaries/day within the same bank.
• RTGS/NEFT: 8 beneficiaries/day.
• Total Beneficiaries: 15 beneficiaries/day.

Charges for Fund Transfer through NEFT/RTGS

NEFT Charges: Free 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 for credit card bill payment:

• Step 1: Login into the portal.
• Step 2: Link your credit card with your account.
• Step 3: Use ATM PIN for linkage.
• Step 4: View transaction history and statements.
• Step 5: Click 'Credit Card Payment Option'.
• Step 6: The payment amount is debited and updated on credit card instantly.

Note: 18% GST applies on banking products/services from July 2017.

Baroda Connect empowers Bank of Baroda customers with seamless, secure banking experiences for managing accounts, payments, and financial product investments, offering comprehensive guidance for optimal usage of these services.