ADC TID Charges in Bank of Baroda – Meaning, Reasons & How to Avoid (2026)
If you see “ADC TID Charges” in your Bank of Baroda (BoB) statement, it usually refers to service charges applied for transactions done through Alternate Delivery Channels (ADC).
These are transactions carried out via ATM, debit card, IMPS, POS, or other non-branch channels, tracked internally using a TID (Transaction/Terminal ID).
Quick Summary
- ADC Full Form: Alternate Delivery Channel
- TID Meaning: Transaction ID / Terminal ID reference
- Applies to: ATM, IMPS, debit card, POS, etc.
- Reason: Exceeding free limits or using chargeable services
- GST: Applicable on charges
What Is ADC in Bank of Baroda?
ADC (Alternate Delivery Channel) refers to banking services used outside the branch, such as:
- ATM withdrawals
- Debit card swipes
- IMPS transfers
- Internet banking transactions
- Non-home branch transactions
When charges are applied for these services, they may appear as:
- ADC CHG
- TID CHARGES
- ADC TID CHG
Common Reasons for ADC TID Charges in BoB
ATM Transactions Beyond Free Limit
- BoB ATM: Free within limit
- Other bank ATM: Free up to RBI limit
- After free limit: ₹21 per transaction + GST
IMPS Transaction Charges
IMPS is considered an ADC transaction.
| IMPS Amount | Charges (₹) |
|---|---|
| Up to ₹1,000 | ₹2.50 |
| ₹1,001 – ₹25,000 | ₹5 |
| ₹25,001 – ₹1 lakh | ₹15 |
| ₹1,00,001 – ₹2 lakh | ₹25 |
GST applies extra.
Non-Home Branch Cash Transactions
Cash deposits or withdrawals at branches other than your home branch may attract charges beyond free limits.
International Debit Card Usage
- Forex markup charges
- International ATM withdrawal charges
How to Check ADC Charges in Your BoB Account
You can verify details through:
- Bank of Baroda Mobile Banking App
- Net Banking → Account Statement
- Branch enquiry
Look for narration details mentioning ADC / TID / IMPS CHG.
How to Avoid ADC TID Charges
- Use BoB ATM instead of other bank ATMs
- Stay within monthly free ATM limits
- Prefer UPI (usually free)
- Use NEFT online if IMPS charges apply
- Avoid unnecessary non-home branch transactions
Is ADC TID Charge Refundable?
- Valid service charges are generally not refundable
- If charged wrongly, raise a complaint through:
- BoB customer care
- Net banking grievance section
- Branch visit
FAQs on ADC TID Charges – Bank of Baroda
Why was ADC TID charged in my account?
A. Usually due to ATM usage beyond free limits or IMPS transfers.
Is UPI included in ADC charges?
A. UPI transactions are typically free.
What does TID mean in bank statement?
A. TID refers to Transaction ID or Terminal ID linked to the service used.
Are ADC charges applicable on every transaction?
A. No, only when you exceed free limits or use chargeable services.
Conclusion
ADC TID charges in Bank of Baroda are service fees for using digital or ATM-based banking channels beyond allowed free limits. To avoid extra deductions, use cost-effective options like UPI and monitor your monthly ATM usage.
