{"id":10421,"date":"2026-02-11T08:15:17","date_gmt":"2026-02-11T08:15:17","guid":{"rendered":"https:\/\/lemonn.co.in\/blog\/?post_type=banking&p=10421"},"modified":"2026-02-11T08:15:18","modified_gmt":"2026-02-11T08:15:18","slug":"adc-tid-charges-in-bank-of-baroda-meaning-reasons-how-to-avoid-2026","status":"publish","type":"banking","link":"https:\/\/lemonn.co.in\/blog\/banking\/adc-tid-charges-in-bank-of-baroda-meaning-reasons-how-to-avoid-2026\/","title":{"rendered":"ADC TID Charges in Bank of Baroda \u2013 Meaning, Reasons & How to Avoid (2026)"},"content":{"rendered":"\n

If you see \u201cADC TID Charges\u201d<\/strong> in your Bank of Baroda (BoB) statement, it usually refers to service charges applied for transactions done through Alternate Delivery Channels (ADC)<\/strong>.<\/p>\n\n\n\n

These are transactions carried out via ATM, debit card, IMPS, POS, or other non-branch channels<\/strong>, tracked internally using a TID (Transaction\/Terminal ID)<\/strong>.<\/p>\n\n\n\n

Quick Summary<\/h2>\n\n\n\n
    \n
  • ADC Full Form:<\/strong> Alternate Delivery Channel<\/li>\n\n\n\n
  • TID Meaning:<\/strong> Transaction ID \/ Terminal ID reference<\/li>\n\n\n\n
  • Applies to:<\/strong> ATM, IMPS, debit card, POS, etc.<\/li>\n\n\n\n
  • Reason:<\/strong> Exceeding free limits or using chargeable services<\/li>\n\n\n\n
  • GST:<\/strong> Applicable on charges<\/li>\n<\/ul>\n\n\n\n

    What Is ADC in Bank of Baroda?<\/h2>\n\n\n\n

    ADC (Alternate Delivery Channel)<\/strong> refers to banking services used outside the branch, such as:<\/p>\n\n\n\n

      \n
    • ATM withdrawals<\/li>\n\n\n\n
    • Debit card swipes<\/li>\n\n\n\n
    • IMPS transfers<\/li>\n\n\n\n
    • Internet banking transactions<\/li>\n\n\n\n
    • Non-home branch transactions<\/li>\n<\/ul>\n\n\n\n

      When charges are applied for these services, they may appear as:<\/p>\n\n\n\n

        \n
      • ADC CHG<\/strong><\/li>\n\n\n\n
      • TID CHARGES<\/strong><\/li>\n\n\n\n
      • ADC TID CHG<\/strong><\/li>\n<\/ul>\n\n\n\n

        Common Reasons for ADC TID Charges in BoB<\/h2>\n\n\n\n

        ATM Transactions Beyond Free Limit<\/h3>\n\n\n\n
          \n
        • BoB ATM: Free within limit<\/li>\n\n\n\n
        • Other bank ATM: Free up to RBI limit<\/li>\n\n\n\n
        • After free limit: \u20b921 per transaction + GST<\/strong><\/li>\n<\/ul>\n\n\n\n

          IMPS Transaction Charges<\/h3>\n\n\n\n

          IMPS is considered an ADC transaction.<\/p>\n\n\n\n

          IMPS Amount<\/th>Charges (\u20b9)<\/th><\/tr><\/thead>
          Up to \u20b91,000<\/td>\u20b92.50<\/td><\/tr>
          \u20b91,001 \u2013 \u20b925,000<\/td>\u20b95<\/td><\/tr>
          \u20b925,001 \u2013 \u20b91 lakh<\/td>\u20b915<\/td><\/tr>
          \u20b91,00,001 \u2013 \u20b92 lakh<\/td>\u20b925<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

          GST applies extra.<\/p>\n\n\n\n

          Non-Home Branch Cash Transactions<\/h3>\n\n\n\n

          Cash deposits or withdrawals at branches other than your home branch may attract charges beyond free limits.<\/p>\n\n\n\n

          International Debit Card Usage<\/h3>\n\n\n\n
            \n
          • Forex markup charges<\/li>\n\n\n\n
          • International ATM withdrawal charges<\/li>\n<\/ul>\n\n\n\n

            How to Check ADC Charges in Your BoB Account<\/h2>\n\n\n\n

            You can verify details through:<\/p>\n\n\n\n

              \n
            • Bank of Baroda Mobile Banking App<\/li>\n\n\n\n
            • Net Banking \u2192 Account Statement<\/li>\n\n\n\n
            • Branch enquiry<\/li>\n<\/ul>\n\n\n\n

              Look for narration details mentioning ADC \/ TID \/ IMPS CHG<\/strong>.<\/p>\n\n\n\n

              How to Avoid ADC TID Charges<\/h2>\n\n\n\n
                \n
              • Use BoB ATM<\/strong> instead of other bank ATMs<\/li>\n\n\n\n
              • Stay within monthly free ATM limits<\/li>\n\n\n\n
              • Prefer UPI (usually free)<\/strong><\/li>\n\n\n\n
              • Use NEFT online<\/strong> if IMPS charges apply<\/li>\n\n\n\n
              • Avoid unnecessary non-home branch transactions<\/li>\n<\/ul>\n\n\n\n

                Is ADC TID Charge Refundable?<\/h2>\n\n\n\n
                  \n
                • Valid service charges are generally not refundable<\/strong><\/li>\n\n\n\n
                • If charged wrongly, raise a complaint through:\n
                    \n
                  • BoB customer care<\/li>\n\n\n\n
                  • Net banking grievance section<\/li>\n\n\n\n
                  • Branch visit<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n

                    FAQs on ADC TID Charges \u2013 Bank of Baroda<\/h2>\n\n\n
                    \n
                    \n
                    \n

                    Why was ADC TID charged in my account?<\/strong><\/h3>\n
                    \n\n

                    A. Usually due to ATM usage beyond free limits or IMPS transfers.<\/p>\n\n<\/div>\n<\/div>\n

                    \n

                    Is UPI included in ADC charges?<\/strong><\/h3>\n
                    \n\n

                    A. UPI transactions are typically free.<\/p>\n\n<\/div>\n<\/div>\n

                    \n

                    What does TID mean in bank statement?<\/strong><\/h3>\n
                    \n\n

                    A. TID refers to Transaction ID or Terminal ID linked to the service used.<\/p>\n\n<\/div>\n<\/div>\n

                    \n

                    Are ADC charges applicable on every transaction?<\/strong><\/h3>\n
                    \n\n

                    A. No, only when you exceed free limits or use chargeable services.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n

                    Conclusion<\/h2><\/div>\n\n\n\n

                    ADC TID charges in Bank of Baroda<\/strong> 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.<\/p>\n","protected":false},"featured_media":0,"template":"","class_list":["post-10421","banking","type-banking","status-publish","hentry"],"blocksy_meta":[],"_links":{"self":[{"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/banking\/10421","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/banking"}],"about":[{"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/types\/banking"}],"wp:attachment":[{"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/media?parent=10421"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}