1. What is Baroda Connect?
Baroda Connect is BOB’s digital banking portal available anytime, allowing customers to view account details, transfer funds, pay bills, download statements, and more securely
2. Key Features
- 24×7 access to accounts and transaction history
- Fund transfers: IMPS, NEFT, RTGS, intra-bank payments
- Bill payments & utilities: mobile, DTH, electricity, taxes, insurance payments
- Deposit and cheque management: open/close FD/RD, cheque book requests, stop payments
- Insurance, investments, Form 26AS access, PPF/Sovereign Gold Bond subscriptions, donation services
- Card services: block cards, PIN reset
3. How to Register
a) Online via Debit Card
- Visit the official BOB website → “Internet Banking” → “Retail User” → “Online Registration Using Debit Card”
- Enter verification code → debit card details + ATM PIN
- Provide personal info, select facilities → Accept terms
- Create User ID & login password → registration complete
b) Offline via Branch
- Fill & submit the net-banking form to receive User ID by mail/email. Then set your password online.
4. Login & Password Reset
Login
- Visit Internet Banking → choose Retail User → enter your User ID & password → complete OTP authentication. Start transacting
Forgot Password
- Click “Forgot Password” → provide details → verify OTP → set new password
5. Fund Transfers & Limits
- Fund Transfer: Choose IMPS/NEFT/RTGS → add beneficiary → approve via OTP
- Retail daily limits:
- 3rd-party payments: ₹7 lakh/txn, ₹10 lakh/day
- NEFT/RTGS: ₹10 lakh/txn, ₹15 lakh/day
6. Charges
- NEFT: Free via net banking
- RTGS (net banking): Free; branch charges apply (₹24–49 + GST)
- IMPS: Nominal charges per transaction slab
7. Mobile App Integration
- M-Connect Plus app provides banking on-the-go: view balance, transfer funds, pay, download statements, block cards—all synced with internet banking.
8. Security Measures
- Bank uses 128-bit SSL, virtual keypad login, OTP, and secure logout
- OTP via SMS only, email OTP discontinued
- Positive Pay (from May 2025): cheque >₹4 lakh require confirmation
Quick Summary Table
| Step | Action |
|---|---|
| Register | Online with debit card / branch form |
| Login | User ID + password + OTP |
| Reset Password | OTP-based reset via portal |
| Fund Transfers | NEFT/RTGS/IMPS with beneficiary setup |
| Statements & Bill Pay | Download statements / pay bills / invest |
| Mobile Banking | Use M-Connect Plus app for all services |
| Security | SSL, virtual keypad, OTP, Positive Pay |
