Need to transfer money from your Bank of Baroda account? NEFT (National Electronic Funds Transfer) is one of the most trusted ways to send money between bank accounts in India.
In this guide, you’ll find the latest Bank of Baroda NEFT charges, transaction limits, timings, and how to make NEFT transfers for free.
What Is NEFT?
NEFT is a secure, RBI-backed money transfer system that lets you send funds to any Indian bank account, even if the recipient is with a different bank.
Ideal for personal or business payments
Available 24×7 (online)
No minimum transfer amount
Bank of Baroda NEFT Charges (2025)
NEFT charges at Bank of Baroda depend on the mode of transaction:
Charges at the Branch (Offline NEFT):
| Amount (₹) | Charges (Excl. GST) |
|---|---|
| Up to ₹10,000 | ₹2.25 |
| ₹10,001 – ₹1,00,000 | ₹4.75 |
| ₹1,00,001 – ₹2,00,000 | ₹14.75 |
| Above ₹2,00,000 | ₹24.75 |
GST of 18% is added to the above charges.
NEFT Charges Online (via Internet/Mobile Banking)
Free of charge — no fees for NEFT transfers made through:
- Baroda Connect (Internet Banking)
- bob World App (Mobile Banking)
You can save money by using online banking instead of visiting a branch.
NEFT Timings
| Mode | Timings |
|---|---|
| Online | 24×7, 365 days |
| Branch | During working hours (usually 10 AM to 4 PM) |
NEFT transfers are processed in half-hourly batches, so your funds may take 15–60 minutes to reflect.
NEFT Transaction Limits at BOB
| Platform | Minimum | Maximum |
|---|---|---|
| Branch | ₹1 | No fixed limit (based on customer profile) |
| Internet Banking | ₹1 | ₹10 lakhs/day (can be increased on request) |
| Mobile Banking | ₹1 | ₹5 lakhs/day (default) |
Limits can be increased by submitting a request to the bank.
FAQs
Q1: Is NEFT free at Bank of Baroda?
A. Yes, if done via bob World or Baroda Connect. Charges apply only for branch-based NEFT.
Q2: Can I do NEFT on Sunday or a public holiday?
A. Yes. NEFT works 24×7, even on weekends and holidays, when done online.
Q3: What if the transaction fails?
A. The amount is usually refunded within 1–2 working days. You can also raise a complaint via customer care or your home branch.
Q4: How can I get proof of NEFT transfer?
A. You can download a receipt from your transaction history in the app or net banking portal.
Key Takeaways
- Branch NEFT charges start from ₹2.25 + GST
- Online NEFT is free via bob World and internet banking
- Transfers are secure, reliable, and fast
- NEFT works 24×7 online and during banking hours at branches
