Digital Banking Booklet PDF

Handbook
Digital
Banking
Contents
1. Baroda Connect ................................................................................................ 7
1.1 Introduction Of Baroda Connect ............................................................................. 7
1.2 Country Wide Launch ............................................................................................ 7
Baroda Connect – Retail .................................................................................. 7
Baroda Connect – Corporate............................................................................ 7
1.3 Important Benefits To Our Bank And Our Customers: .............................................. 7
1.4 Finacle Menu Options To Be Used By The Branches ................................................. 8
1.5 Major Development In Baroda Connect ................................................................... 8
2. Bharat Bill Payment System (Bbps) ....................................................................13
.....................................................................................................................................13
2.1 A National Importance..........................................................................................13
Current Scope ..................................................................................................13
Charges...........................................................................................................13
2.2 Eligibility (Who Can Use It) ...................................................................................14
2.3 Usp Of Bharat Billpay ...........................................................................................14
2.4 Secured Bill Payment Platform ..............................................................................15
2.5 Usage (How To Use It?) .......................................................................................15
Bhim Aadhar Baroda Pay ..................................................................................19
3.1 Introduction ........................................................................................................19
3.2 Requirements For The Merchant To Start Using Bhim Aadhaar Baroda Pay ...............19
3.3 Steps To Follow Before Going Live .........................................................................19
3.4 Merchant Registration ..........................................................................................19
3.5 Benefits For Merchant And Customer .....................................................................20
3.6 Charges For The Merchants For Using Bhim-Aadhaar-Bob .......................................20
3.7 Incentives Of Using Bhim Aadhaar Pay ..................................................................20
Bhim Baroda Pay (Upi) .....................................................................................24
4.1 Key Features Of Bhim Baroda Pay, Upi Application ..................................................24
4.2 Who Can Use Upi Services? ..................................................................................25
4.3 Services Available: ...............................................................................................25
Financial Services .............................................................................................25
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Non-Financial Services ......................................................................................25
4.4 How To Send Money On Bhim Baroda Pay: ............................................................26
4.5 How To Collect Money On Bhim Baroda Pay: ..........................................................26
4.6 Transaction Limits:...............................................................................................26
Baroda E Gateway ............................................................................................31
5.1 Product Profile .....................................................................................................31
5.2 Security Features .................................................................................................31
5.3 Benefits Of Internet Payment Gateway ..................................................................31
5.4 Target Customers ................................................................................................32
5.5 Opportunities.......................................................................................................32
Baroda M-Connect Plus .....................................................................................36
6.1 Advantages .........................................................................................................36
6.2 Services Available ................................................................................................36
Financial Services .............................................................................................36
Non-Financial Services ......................................................................................37
6.3 Transaction Limits ................................................................................................37
Baroda Gift Card ..............................................................................................42
7.1 An Introduction ...................................................................................................42
7.2 Features Of Gift Card ...........................................................................................42
7.3 Baroda Gift Card – In Brief....................................................................................42
7.4 Prepaid Card Can Be Issued To Anybody With A .....................................................43
7.5 Baroda Gift Card –Important Information ...............................................................43
Travel Easy Card ..............................................................................................47
8.1 An Introduction ...................................................................................................47
8.2 Features..............................................................................................................47
Reloadable Card ...............................................................................................51
9.1 An Introduction Of Reloadable Card.......................................................................51
9.2 Silent Features.....................................................................................................51
Baroda Fastag (Netc- National Electronic Toll Collection) .....................................55
10.1 Introduction Of Fastag .........................................................................................55
10.2 Features Of Fastage .............................................................................................55
Baroda Atm’s / Cash Dispensers ........................................................................57
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11.1 Introduction Of Atm/Cash Dispensers ....................................................................57
11.2 Following Services Are Available Free Of Cost At Our Atms To Our Saving Bank Account
Holders: ..........................................................................................................58
11.3 Neft Funds Transfer Through Atm .........................................................................58
11.4 Card To Card Fund Transfer: ................................................................................59
Our Debit Cards ...............................................................................................63
12.1 Baroda Visa Electron Debit Card ............................................................................63
12.2 Baroda Visa Platinum International Debit Card: ......................................................63
12.3 Baroda Master Card Classic Debit Card: .................................................................64
12.4 Baroda Master Platinum International Debit Card:...................................................64
12.5 Baroda Rupay Classic Debit Card: ..........................................................................64
12.6 Baroda Rupay Platinum International Debit Card ....................................................65
12.7 Key Benefits And Features Of Debit Card: ..............................................................65
12.8 Launch Of Mastercard Platinum Chip Debit Card: ....................................................65
12.9 Launch Of Baroda Flash N Move+ Contactless Debit Card: ......................................66
12.10 Key Features Of The Card Are As Follows ...........................................................66
12.11 Baroda Deposit Card.........................................................................................66
12.12 Baroda Mudra Card ..........................................................................................67
Profile Of Baroda Mudra Card: .....................................................................67
12.13 Usage Of Atms .................................................................................................68
12.14 Card Limits ......................................................................................................68
12.15 Debit Card Hot-Listing/ Blocking ........................................................................69
Bank Of Baroda Credit Cards .............................................................................73
Credit Card Benefits ....................................................................................................73
Our Bank Offers Following Credit Cards: .......................................................................73
13.1 Easy Credit Card (Visa) .........................................................................................73
13.2 Select Credit Card (Visa Platinum) .........................................................................74
13.3 Premier Credit Card (Visa Platinum) .......................................................................75
13.4 Prime Credit Card.................................................................................................75
Baroda Rewardz App ........................................................................................80
14.1 Introduction Of Baroda Rewardz ...........................................................................80
Baroda M Passbook ..........................................................................................83
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15.1 Introduction Of Mpassbook ...................................................................................83
Baroda M Invest App ........................................................................................86
16.1 Introduction Of Baroda M-Invest ...........................................................................86
Baroda Demat Account .....................................................................................89
Buy. Sell. Transfer ......................................................................................................89
17.1 Introduction ........................................................................................................89
Demat With Bank Of Baroda: .......................................................................................89
17.2 To Enroll For Our Demat Services Customer Will Have To Open The Following Accounts
......................................................................................................................89
17.3 Benefits ..............................................................................................................89
17.4 Basic Information .................................................................................................89
17.5 How To Open A Demat Account ............................................................................90
17.6 For Trading In The Equity Market ..........................................................................90
17.7 Services / Utilities ................................................................................................90
Baroda E-Biz ....................................................................................................94
18.1 Introduction Of Baroda E-Biz.................................................................................94
Digital Signage System .....................................................................................98
19.1 Introduction Of Digital Signage Systems ................................................................98
19.2 Scope Of Information Broadcast Contents ..............................................................98
19.3 Benefits Of Dss To Bank .......................................................................................98
Baroda M-Pedia.............................................................................................. 101
E Lobby & Other Products ............................................................................... 103
21.1 E Lobbies .......................................................................................................... 103
21.2 Bna/Cash Recyclers ............................................................................................ 103
Salient Functionalities Available In Cash Recyclers Are As Follows:................... 104
21.3 Self Service Passbook Printer .............................................................................. 104
21.4 Multi Function Kiosk ........................................................................................... 105
Key Features ............................................................................................... 105
Cheque Deposit Facility ................................................................................ 105
Non Cts Centres ....................................................................................... 106
Process Of Cheque Deposit In Mfk ............................................................. 106
Bill Payment Facility Using Our Debit Card And Net Banking ............................ 106
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Process Of Bill Payment Using Mfk ............................................................. 106
Browser Based Internet Banking ................................................................... 107
A-Balance Enquiry ....................................................................................... 107
B-Mini Statement......................................................................................... 107
21.5 Sms Banking/Missed Call Facility ......................................................................... 107
Missed Call Facility For ―Balance Inquiry ......................................................... 110
Contact Centre ............................................................................................... 112
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Chapter 1
1. Baroda Connect
Learning Outcome
 Understanding the basic idea of Baroda Connect.

 To know the important features of Baroda Connect
 Information about different features and benefits of Baroda Connect
 Baroda Connect digital platform for whom
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1. Baroda Connect
1.1 Introduction of Baroda Connect

Baroda Connect" is an internet banking facility introduced as an alternative delivery channel for
rendering effective customer service on 24 X 7 basis. It offers unique customized services to both
Retail & Corporate customers.
1.2 Country wide launch

Ba oda Co e t is a t a sa tio ased i te et a ki g p odu t ei g offe ed to ou usto e s
w.e.f. 14th September, 2006.
Ba oda Co e t usto e s a e lassified i t o atego ies i Retail ii Co po ate
Baroda Connect – Retail

All INDIVIDUALS (including joint accounts) are considered as Retail customer for the purpose of
Ba oda Co e t .
Baroda Connect – Corporate

All NON-INDIVIDUALS are considered as corporate customer for the purpose of “Baroda Connect”.
1.3 Important benefits to our bank and our customers:

Advantages to the Bank Advantages to the Customers
 Cost effective.  Round the Clock anywhere online banking.
 To meet market  Safe & Secure with 128 bit SSL encryption.
competition.  Almost all services are available free of cost.
 To eet usto e s Instant / Scheduled online fund transfer within BOB & to
requirement other Bank (NEFT/RTGS).
 Divert customer to  FREE Direct / Indirect / State tax payment and instant TAX
alternate delivery receipt.
channel and utilize FREE online subscription of IPO/FPO/Right issue through
manpower for other ASBA.
activities.  For issue of Cheque book and Stop Payment of cheque.
 FREE Bill presentment | Bill Payment | Online Shopping |
Receive and view bills online |Alert on pending bills.
 FREE Mobile Alerts of Debit and Credit transactions.
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1.4 Finacle Menu Options to be used by the Branches
 HDCR - For new registration of Baroda Connect.
 HREGPW – Submitting Request for regeneration of Passwords.
 ACUID- Create new Baroda Connect User id for corporate customers.
a. Delete existing Baroda Connect user id for corporate customers.
b. Change customer rights (from transaction to view and vice versa).
 MOBUPLD- Mobile number updation of Corporate user.
 CUSTMOB- Mobile number updation of Retail user.
 BCPD- Branches can track the passwords by entering customer ID of the customer.
 Consignment number would be available to the branch which would facilitate follow
up with the postal department at local level/tracking the same through website of India
Post.
1.5 Major Development in Baroda Connect
 Reduction in cooling period for registration of Beneficiary from 24 hours to 4 hours.
 Blocking of Debit card.
 Online Linking and credit to Sukanya Samriddhi Savings account.
 Online net banking Registration Using Debit Card for Retail User.
 Online Regeneration of Transaction Password for retail users Using Debit Card.
 Online Retrieval of User Id for Retail Users.
 Finacle Menu option (ACUID) for Addition/Deletion of User and change of menu profile
(View to Transaction rights and vice versa) in Baroda Connect.
 Dispatching Baroda Connect Passwords in Active Status for Immediate Use by the
customers.
 Password delivery status can be tracked through BCPD menu in finacle.
 Online request for ARCOT/ Mobile OTP for self-generation of OTP.
 Online Tax Saving FDR (Minimum 5 Years).
 Online Opening of SDR. (Minimum 7 Days to 364 days.)
 Online Linking and Amount transfer to PPF a/c
 Linking of Aadhar Card.
 Enrolling for Pradhan Mantri Bima Yojana and Atal Pension Yojana.
 Registration of Mobile banking and regeneration of MPIN.
 Linking and delinking of accounts through ACCOUNTS tab  Link/Delink Accounts.
 FATCA / EPFO payments.
 Sovereign Gold Bonds.
 On-boarding more merchants through Razor Pay as aggregator.
 Baroda Loyalty Rewardz.
 On-boarding more merchants through SBIePay as aggregator very shortly.
 Upgrading Net banking version shortly.
 Su issio of G/ H o li e th ough Ba oda Co e t
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 1.03.18, BOB has 5572 branches (including 105
 Baroda Connect was launched in 2006.

 This is available for both Retail and Corporate
Customers.
 New features like ASBA, IMPS, RD & FD opening is
available in the Baroda Connect.
 Two way authentication is applied on Baroda
Connect.
 From Baroda Connect you can credit to Sukanya
Samriddhi account and Provident Fund Accounts.
 Enrolling for Pradhan Mantri Bima Yojana and Atal
Pension Yojana
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Gist of Circular – Baroda Connect
Circular Number Subject Date
Launch of Baroda Connect facility for Sukanya Samriddhi
BCC:BR:109:232 Scheme 2014 05-05-2017
Defaults in compliance of Taxation Matters - Integration of
BCC:BR:108:165 TRACES with Baroda Connect 05-04-2016
BARODA CONNECT – Discontinuing request for Activation of
BCC:BR:107:410 Baroda Connect Passwords 25-08-2015
BARODA CONNECT- Online Self Retrieval of USER ID for Retail
BCC:BR:107:388 Users 14-08-2015
BARODA CONNECT – Self Regist atio P o ess fo Ba oda
BCC:BR:107:332 Co e t - Retail Users 07-07-2015
BARODA CONNECT - New Finacle menu introduced for Baroda
BCC:BR:107:153 Connect 01-04-2015
BCC:BR:107:121 BARODA CONNECT - Mobile OTP Application (M-OTP) 13-03-2015
BCC:BR:107:99 Linking of PPF Account with Baroda Connect 02-03-2015
BARODA CONNECT – Digital Signature Based Authentication
BCC:BR:107:35 facility in Baroda Connect for Corporate users 19-01-2015
Compulsory payment of Central Excise Duty electronically
through internet banking w.e.f. 01.10.2014. An opportunity to
popularise Baroda Connect amongst our Current Account
BCC:BR:106:415 Holders 28-10-2014
New facility of Opening Online Recurring Deposit account
BCC:BR:106:250 through Baroda Connect 05-07-2014
Facility for scheduling NEFT fund transfer through Baroda
BCC:BR:106:125 Connect 24-03-2014
Baroda Connect- Educating Ba ks usto e s a out phishi g
BCC:BR:105:274 attacks. 02-07-2013
New facility of IMPS for instant Inter/Intra Bank fund transfer
BCC:BR:105:171 through Baroda Connect 23-04-2013
Bank of Baroda Phishing Policy-2013 related to net banking
(Baroda Connect), mobile banking and ATM for Domestic
BCC:BR:105:118 Branches. 23-03-2013
BARODA CONNECT – B a h spe ifi Ba oda Co e t Use ID
BCC:BR:104:434 and Password for General Tax Remittance Account 05-12-2012
Baroda Connect – Online Fixed Deposit through net banking for
BCC:BR:104:386 NRIs/PIOs 03-11-2012
BARODA CONNECT – Increase in Default Financial Transaction
Limit for Both Corporate and Retail Customers and revised
application format for providing specific fund transfer limit to
BCC:BR:104:215 Corporate customers. 16-06-2012
BARODA CONNECT – P i e Mi iste s Natio al Relief Fu d –
BCC:BR:104:194 Online Donation appointment 04-06-2012
BARODA CONNECT – Online payment of IndiaFirst Life Insurance
Policy premium payment through Baroda Connect for all Retail
BCC:BR:104:172 users having full transaction rights. 17-05-2012
BCC:BR:104:136 BARODA CONNECT – Credit/Transfer to Loan Account 25-04-2012
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BCC:BR:104:16 Baroda Connect – Online Fixed Deposit through net banking 12-01-2012
BCC:BR:103:164 Master Circular - "Baroda Connect" 11-06-2011
Baroda Connect: Implementation of fraud Management
BCC:BR:103:144 Solution (FMS) 23-05-2011
Baroda Connect- Authority for increase in default Fund transfer
BCC:BR:103:124 limits for Corporate users 13-05-2011
BCC:BR:101:360 Auto upload of Baroda Connect Applications at all branches 07-12-2009
Baroda Connect - Proposed - Two factor authentication for
Beneficiary Registration : Massive drive for updation of mobile
BCC:BR:101:190 numbers 07-07-2009
I t odu tio of Ne P odu t E a li g No -Customers and Non
-Ba oda Co e t Custo e s to pa Di e t, I di e t & othe
HO:BR:101:71 taxes through e-mode. 08-06-2009
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Chapter 2
2. Bharat Bill Payment System(BBPS)
Learning Outcome
 Understanding Bharat Bill Payment System

 To know where we can use BBPS
 Benefits of Bharat Bill Payment System
 Circular related to Bharat Bill Payment System
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2. Bharat Bill Payment System (BBPS)
2.1 A National importance

Bharat BillPay is an initiative of national importance which offers real time bill payment
service to customers/ non customers across geographic and demographic lines. Bharat
BillPay is a tiered platform wherein our Bank is participating as Customer Bharat Bill
Payment Operating Unit (Customer BBPOU) as well as Biller Bharat Bill Payment
Operating Unit (Biller BBPOU).
Current Scope
The current scope of Bharat BillPay covers repetitive payments for everyday utility
services such as electricity, water, gas, telephone (Landline postpaid, Mobile postpaid
and Broadband postpaid) and Direct-to-Home (DTH). Gradually, the scope would be
expanded to include other types of repetitive payments like school / university fees,
municipal taxes etc.
Charges
a) For Our Customers - It is free for our bank customers, i.e. customers making payment
th ough ou Ba k s ha els ON-US payment modes) – e.g. Baroda Connect, M
Co e t +, Ba k s De it o C edit Ca ds, BHIM appli atio of NPCI i ase usto e
uses Bank of Baroda account for payment.
b) Other Bank customers - i.e. usto e s aki g pa e t th ough othe Ba k s

channels (OFF-US payment modes) – e.g. OFF-US Debit or Credit Cards are charged
with Customer Convenience Fee (CCF) of Rs. 5 for transaction from Rs. 0 to Rs. 1000,
Rs. 15 for transaction above Rs. 1000 up to Rs. 2000 and Rs. 25 for transactions above
Rs. 2000. (Rs. 25 being the maximum charge).
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2.2 Eligibility (Who can use it)
A aila le fo oth, Ba k s Custo e s as ell as No -Customers.
a) Fo Ba k s Custo e , ill pa e t th ough Ba oda Co e t, Ba oda M-Connect plus,

Multifunction Kiosk and Baroda e-gateway (Debit & Credit cards- Master, VISA &
Rupay) options are available.
b) For Non-Customers, bill payment is available through Baroda e-gateway (Debit &
Credit Cards- Master, VISA & Rupay).
c) Bank as a Biller OU can on-board billers into the Bharat BillPay for receiving payment
of utility services such as electricity, water, gas, telephone (Landline post-paid,
Mobile post-paid and Broadband post-paid) and Direct-to-Home (DTH).
d) If the Biller is already available in the Bharat BillPay, our Bank can also on-board the
same biller as a second default OU.
2.3 USP of Bharat BillPay

a) Anytime anywhere payment of all types of bills at one place.
b) Aims to facilitate seamless payment of any bill at any agent outlet/bank
branch/portal in all geographies.
c) Standardized charges for entire Bharat BillPay ecosystem including banks, non-
banks, agents, customers etc.
d) Bharat BillPay acts as an integrated platform.
e) Bharat BillPay lays standardised complaints management system to handle ON-US
and OFF-US transactions.
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f) Standard commercial arrangement.
g) Single and trusted brand connect and Bharat BillPay Assurance.
h) Sufficient business and technical MIS that may help in analyzing consumer
behaviour and system performance of biller partners
2.4 Secured Bill Payment Platform

a) It involves two steps in bill payment. One is Bill Fetch Request/ Response and the
other is Bill Payment Request/ Response. So, a bill payment is facilitated only when
user first fetches the bill and confirms the bill amount. (However, some of the
billers are Pay Only billers, i.e. bill will not be fetched and user will have to enter
amount manually. E.g. Vodafone Post-paid.)
b) Use s details a e highl o fide tial a d also the Use s log-in credentials are
encrypted usi g suita le algo ith s so that the e is o o p o ise ith use s
data.
c) Payment is considered complete only when user gets the confirmation message.
2.5 Usage (How to use it?)
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Learnings –
 Usage of Baroda Bill Payment System
(BBPS)
 Benefits and features of BBPS
 Charges of using BBPS
 Eligible customer who can avail BBPS
 Process of transaction done with using
BBPS platform.
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Gist of Circular – Bharat Bill Payment System
Circular Number Date Subject
BCC:BR:109:149 24/03/2017 Launch of Bharat Bill Payment System (BBPS)
Thank You
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Chapter 3
3. BHIM AADHAR BARODA PAY
Learning Outcome
 Understanding BHIM Aadhar Baroda Pay

 To know where we can use BABP
 Benefits of using Bhim Aadhar Baroda Pay
 Circulars related to Bharat Bill Payment System
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BHIM AADHAR BARODA PAY
3.1 Introduction
BHIM Aadhaar Baroda Pay is a digital payment acceptance solution from Bank of Baroda. It is a
merchant mobile application using an Android smartphone and biometric device meant for
merchants to receive digital payments from customers over the counter through Aadhaar
authentication. Customer performs transaction by providing his Aadhaar number and biometric.
The transaction will be interoperable in nature allowing any bank customer to transact on BHIM
Aadhaar Baroda Pay. The merchant funds will be credited real time to the merchant account
linked at the time of registration after successful completion of the transaction. The per-
transaction limit is Rs. 10000/-BHIM Aadhaa Ba oda Pa is diffe e t f o BHIM NPCI UPI s
Product).
3.2 Requirements for the merchant to start using BHIM Aadhaar Baroda Pay
 Aadhaar seeded account with Bank of Baroda.
 STQC Certified Biometric Reader with Micro USB / USB C-Type connector.
 Android smartphone with Android version 4.2 or higher with internet connectivity and
OTG support for connecting biometric device.
 Phone should be able to power the biometric reader.
3.3 Steps to follow before going Live

 BHIM Aadhaar Baroda Pay Application is available on Play store.
 Merchant has to download 3 Mobile Applications (3 Apk) from the Play Store as follows :
 IDEMIA Management Client
 IDEMIA RD Services
 BHIM Aadhaar Baroda Pay

3.4 Merchant Registration
 The registration process for BHIM-Aadhaar-Pay for individual merchants includes
following steps:
 Branches identify the potential merchant and share the onboarding details of merchant
in excel sheet for registration of merchant.
 Using onboarding details merchant ID is created.
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
Merchant download the App from the play store by following steps for going live.

Merchant register himself using his Aadhaar number (that was taken as part of
onboarding) and biometric credentials.
Merchant is asked to agree the terms and conditions for using the app which are displayed on
the mobile itself
3.5 Benefits for Merchant and Customer

 Merchant receive transaction on real Time.
 Customer no need to carry debit or credit card with them.
 Cashless purchase transaction
 Merchants receive Incentive for every transaction above Rs. 25/- and upto Rs. 10,000/-
 Affordable for merchant due to Lesser MDR as compare to Card transaction
 Right now 0 MDR
3.6 Charges for the merchants for using BHIM-Aadhaar-BOB

Presently there are no charges for using BHIM-Aadhaar-Bank of Baroda for the merchants.
Purchase Limit
 Minimum Rs. 10/-
 Maximum Rs. 10,000/-
3.7 Incentives of Using BHIM Aadhaar Pay

Minimum Amount Applicable for getting Incentive by Merchant is Rs.25/-
Incentive Limit
 In a day – Minimum – Rs. 2 /-, Maximum – Rs. – 50 /-

 In a month – Maximum – Rs. 2000 /-
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Learnings –
 Usage of Baroda Aadhar Pay
 Benefits and features of Baroda Aadhar Pay
 Registration Process
 Eligible customer who can avail Baroda
Aadhar Pay
 Benefits for merchant to using Baroda
Aadhar Pay
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Gist of Circular – BHIM Aadhar Baroda Pay
BCC:BR:109:149 24/03/2017 Launch of Bharat Bill Payment System (BBPS)
Thank You
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Chapter 4
4. BHIM Baroda Pay (UPI)
Learning Outcome
 Understanding BHIM Aadhar Baroda Pay

 To know where we can use BABP
 Benefits of using Bhim Aadhar Baroda Pay
 Circulars related to Bharat Bill Payment System
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BHIM Baroda Pay (UPI)
Unified Payment Interface (UPI) platform to bring digital inclusion in India. The objective of this
initiative is to transform India into a cashless economy while making transaction simple for
consumers. Simply put, UPI enables all bank account holders to send and receive money from
their smartphones by creating a Virtual Payment Address (VPA) of their choice and link it to any
bank account. The VPA acts as their financial address and users need not remember any bank
account information for sending or receiving money.
4.1 Key features of BHIM Baroda Pay, UPI application

 One App for multiple bank Account
Add multiple Bank Accounts in same application.
 Send and receive money instantly
Send or Collect payments with a Virtual Payments Address.
 Self-declaration as merchant (I am a Merchant)
Customers can declare themselves as merchant and receive payment from their clients.
 Safe and Secure
1 Click two-factor authentication makes it a safe and secure payment option.
 24*7 Availability
You can send or receive money 24*7, even on public/bank holidays.
 Instant Payment of any transaction
Real time settlement of Funds based on IMPS transactions.
 Secrecy of account and card details by using Virtual ID and Aadhar no.
No need to remember or share account details while sending and collecting payments.
 One App for all Payments
Use 1 app to do all payment like Send, Collect, utility and merchant payments.
 Easy access to Complaint module
Application have inbuilt integration User Can log and trace complaint of any transaction.
 Scan and Pay
Customer can make payment to P2P (Person to Person) and P2M (Person to Merchant)
by using QR code. It can scan both UPI and Bharat QR Code.
 QR Code: Customer can generate Dynamic and Static QR Code and the same can be
scanned through any UPI enabled application for collecting payments.
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4.2 Who can use UPI services?
 Mobile number should be registered with bank accounts.
 Saving account holders with mode of operatio self a d eithe o su i o e ept
NRE/NRO & Sukanya Samridhi).
 Cu e t A ou t holde s ith ode of ope atio Sole P op ieto .
 OD Account holders with scheme code OD002, OD003 and OD004.
 At a time only single Customer Id accounts can be linked to send or receive money.
 Debit Card is mandatory for linking of Account and transacting through the App.
4.3 Services Available:

FINANCIAL SERVICES
 Send Money.
 Collect Money.
 Scan and Pay.
 Approve Collect Request.
NON-FINANCIAL SERVICES
 Balance Enquiry.
 Transaction History.
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 Change/Reset Login PIN.
 Change/Reset UPI PIN.
 Block VPA.
 Generate QR Code.
 Raise Complaints.
4.4 How to send Money on BHIM Baroda Pay:

1. Using Virtual Payment Address (VPA)
2. Using Account and IFSC
3. Using Mobile Number & MMID
4. Using Aadhaar
5. Using Aadhaar & IIN
4.5 How to Collect Money on BHIM Baroda Pay:

1. Using Virtual Payment Address (VPA)
2. QR Code
4.6 Transaction Limits:
Transaction Per txn (amount) Per day (amount) Min. Amount per txn No. of txns per day
Fund transfer 25,000/- 50,000/- Re. 1/- 20 (24 hrs rolling limit)
Sr. Incentive on
No. Transaction Incentive Amount (Rs.) Terms & Conditions
 Minimum transaction value should be Rs. 100/-
BHIM Baroda Pay  The incentive will be paid for maximum 20

app user of our unique transaction per calendar month
Banks unique
financial  Only unique transactions are eligible for
1 transactions Rs.25/- incentive
BHIM Baroda Pay  Minimum transaction value should be Rs.10/-

app user of our No. of Incentive
Banks financial transactions per month  Calendar month will be used for calculation of
2 transactions month
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>=25 but less
than 50 Rs. 100/-
>=50 but less

than 100 Rs. 200/-
> than 100 Rs. 250/-
(Unique Transaction – O l the fi st t a sa tio he e A t a sfe fu ds to B , se o d t a sa tio

et ee A a d B is ot o side ed u i ue
The details of incentive for Merchants are as follows:
Me ha ts a also use this app egiste i g ith I a a Me ha t optio a d a e eligi le fo i e ti e

by receiving payments via this app.
Sr. No of credit Incentive Amount

No. Transactions (Rs.) Terms & Conditions
 Minimum transaction value should be Rs. 25/-

Minimum
transactions to be  Maximum cashback of Rs. 1,000/- per month
done in order to start 10% of transaction value
earning incentive with upper cap of Rs.  Calendar month will be used for calculation of
1. =>5 50/- per transaction month
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Learnings –
 Usage of BHIM Baroda Pay
 Benefits and features of BHIM
Baroda Pay
 Key benefits and available services
in BHIM Baroda Pay
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Gist of Circular – BHIM Aadhar Baroda Pay
Continuation of Incentive for Promotional Scheme for BHIM
BCC:BR:110:243 14-05-2018
Aadhaar Baroda Pay
Extension and modification of BHIM UPI incentive scheme for
BCC:BR:110:216 25-04-2018
individuals and merchants
Re-Lau h of Ba k s U ified Pa e t I te fa e (UPI)
BCC:BR:110:108 03-03-2018
Appli atio BHIM Ba oda PAY
Rent recovery for BHIM Aadhaar Baroda Pay Biometric Device
BCC:BR:109:612 20-11-2017
from Merchants
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Chapter 5
5. Baroda e-Gateway
Learning Outcome
 Understanding Baroda e-Gateway

 To know the features of Baroda e-Gateway
 Target customers for Baroda e-Gateway
 Branch Business impact and source of other income
30 | P a g e
Baroda e Gateway
Power your business online with our Secure Payment Gateway
5.1 Product profile

Our bank has obtained state of the art technology to maintain an efficient Payment Gateway
i f ast u tu e iz. Baroda e Gateway . Custo ized setup ill e i stalled at the e ha t s site
which will enable the merchant to collect payments for all e-commerce transactions made
through their website.
Internet Payment Gateway (IPG) is a payment and settlement infrastructure which a merchant
uses to collect payment from their customer for online sale of products or services. IPG shields
the business unit from complex technical infrastructure required for e-commerce business. It
provides necessary access to payment system including Interchange agencies like
Master/Visa/Rupay, card issuing bank, aggregators, settlement bank etc.
Internet Payment Gateway is essential for retailers, who have an online presence and are
interested in selling their products over internet. IPG is safe & ensures encryption of sensitive
card information during secured transmission between customer, merchant and payment
processors.
5.2 Security Features

 Utilizes strong industry standard 128 bit SSL encryption
 3-D Secure: Additional password compliant with Visa and MasterCard protocol
specifications and Reserve Bank of India guidelines (reduces chances of fraud to almost
negligible)
 The data transmission is encrypted and storage is under strict data centre environment.
 Merchant connects to payment gateway in a secure manner via plugin.
5.3 Benefits of Internet Payment Gateway

 Owned infrastructure of hardware, software and dedicated support system for Baroda e-
Gate a . Hosted f o Ba k s tie -3 data centre.
 Best available technology and time bound support in integration and operations at
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competitive rates.
 Dedicated operations team to provide assistance in configuration, day-to-day processing,
and settlement along with associated reconciliation.
 Merchants get credit as early as next working day for INR, though Bank receives
settlement subsequently after 1-2 days.
 Merchant is shielded from installing and maintaining complex technology and interacting
with various agencies.
 It facilitates to receive payment online from debit/credit card (Visa, Master, and Rupay)
& net banking (through aggregator).
 Payment is received in stipulated timeframe even though Bank receives the amount
subsequently.
 Merchant can themselves view/print transactions carried out from their website using
merchant self-service portal.
 Si ple i te fa e ith Ba k s s ste . Dedicated support is provided to configure and test
the setup.
 Cardholder is assured of the safety of their card details/usage. In addition, they get
convenience of purchasing goods/services from the comfort of their home/office.
 Round the clock hassle free service.
5.4 Target Customers

 Merchants who have their website and are in the business of selling products/services
through Internet.
 Customers who are interested in expanding their existing business using Internet
technology.
 Educational institution – for collection of tuition fees, online collection of forms fees etc.
 Government Departments like state electricity board, Telecom departments, RTO
Department and other utility payments can also be done online.
 Insurance Sector Could also be targeted as a prospected customer.
5.5 Opportunities
 Fast and emerging market in India, so branches should generate maximum leads.
 Few numbers of entrants in the payment gateway sector.
 Flexible price structure that can be improved on the basis of transaction volume and
business association.
 Ability to move into new market segments that offer better profits.
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Learnings:
 Usage of Baroda E-Gateway

 Benefits and features of Baroda E-
Gateway
 Target Customers for identifying
Baroda E-Gateway
 Process of registering E-Gateway
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Gist of Circular - Baroda e-Gateway
Relocation of Baroda e-Gateway Operations Team : Revised
BCC:BR:102:259 20-09-2010
Contact details
Introduction of Internet Payment Gateway – Baroda e-
BCC:BR:102:102 01/04/2010
Gateway
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Chapter 6
6. Baroda M-Connect Plus
Learning Outcome
 Understanding Baroda M-Connect Plus

 To know the features and Advantages of Baroda M-Connect Plus
 Target customers for Baroda M-Connect Plus
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Baroda M-Connect Plus
6.1 Advantages
 Modern look of the application is appealing and thus, would encourage the users to
regularly use the system.
 Customer is not required to pay SMS charges on every login. In Android / iOS /
Windows phones, new app works on GPRS mode. It is mandatory to activate Mobile
internet (GPRS) while using M Connect+.
 Icon based menu would make the application language agnostic.
 For mobile recharge, the improved phone book search option, provided to locate
mobile number, reduces the current hassle of multiple entry by the customer.
 Application is available in 11 different languages.
 Customer can register/reset MPIN/deregister from – Branch, ATM and Internet
Banking. Self-registration can be done using debit card credentials.
6.2 SERVICES AVAILABLE
FINANCIAL SERVICES
 Fund transfer within bank > self-linked accounts
 Fund transfer within bank > Third party accounts
 IMPS
 NEFT
 Mobile recharge
 DTH recharge
 Utility Bill payment
 Cash on Mobile (card less cash withdrawal through BOB ATM)
 Generate OTP through your M-Connect plus application
 Amount must be in multiples of 100; (min. Rs.100 and max. Rs.5,000)
 Visit any Bank of Baroda ATM and press the key dedicated for cash on mobile
facility
 Enter the OTP generated and the amount and collect the cash and receipt
 BOB card credit card payment
 Scan to Pay – Bharat QR (enabling payment by scanning QR allotted to merchant)
 Opening of Fixed / Recurring deposit account
 Tone Tag – Sound wave based proximity payments
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NON-FINANCIAL SERVICES
 360 degree view of customer account
 Detailed view of all accounts
 Mini-statement
 Cheque book request
 Status inquiry of Cheque
 Stop Cheque
 Aadhaar Update
 Debit card hot listing
 Account statement on registered email ID for a period of three months
 Interest certificate on registered email ID for loan accounts
 TDS certificate on registered email ID
 Submission of Form 15G / 15H
 Change MPIN
 Language selection
 Delink Accounts
 Refresh operative account list
 Transaction history
 My Favourites
 Branch/ATM locator
 Contact us
 Offers listing by Loyalty Rewardz
 Change Application password
 Demo
 FAQ s
 Language selection
 Delinking accounts
 Refresh operative account list
 My limits setup
6.3 TRANSACTION LIMITS

Transaction Per txn Per day Per week Per month Min. per No. of txns
txn per day
Fund transfer 50,000 1,00,000 2,00,000 5,00,000 5 -
Recharge, Bill 25,000 50,000 50,000 2,50,000 5 -
payment, Credit
card payment
Cash on mobile 5,000 5,000 - 25,000 100 5
 Valid account types: Savings, Current, Overdraft, Cash Credit, Loan, PPF
37 | P a g e
 Mode of operation: Self, Either or Survivor, Proprietorship
Upcoming Developments: Provision to provide mobile banking to secondary holder also in case
of joint accounts having mode of operation as Either or Survivor, Mobile banking to NRI
customers, UPI integration.
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Learnings –
 Usage of Baroda M-Connect Plus
 Benefits and features of Baroda M-Connect
Plus
 Financial and Non-Financial usages of M-
Connect Plus
 Transaction limit for the using
application
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Gist of Circular

Lau hi g the Epi a paig of Mo ile Ba ki g : Ai ed
BCC:BR:110:166 03-04-2018 towards surging up the M-Connect plus Activations &
Transactions
Launch of new service – Submission of Form 15G / 15H on self-
BCC:BR:110:139 20-03-2018 declaration basis through mobile banking application – M-
Connect Plus Android version
Launch of -2- new services in Mobile Banking application – M-
BCC:BR:110:72 08-02-2018
Connect plus Android version.
Launching the Mo ile So e Tou a e t : Ai ed to a ds -1-
BCC:BR:109:656 07-12-2017
crore user base (Baroda M-Connect plus Mega campaigns)
The Baroda M-Connect plus Express: a monthly e-magazine on

BCC:BR:109:598 09-11-2017
Mobile Banking
Towards -1- crore user base: Baroda M-Connect plus Mega
BCC:BR:109:546 23-10-2017
campaigns
Increase in Fund transfer transactions limits through Mobile
BCC:BR:109:390 04-08-2017
Banking (M-Connect plus) application
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Chapter 7
7. Baroda Gift Card
Learning Outcome
 Understanding Baroda Gift Cards

 To know the features and Advantages of Baroda Gift Card
 Target customers for Baroda Gift Card
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Baroda GIFT CARD
A GIFT FOR EVERY WISH
7.1 An Introduction
Give your loved one something they would love with the Baroda Gift Card.
Baroda Gift Card is ideal gifting solution for marriage, engagement, birthday, Diwali, Holi,
Raksha Bandhan, Christmas, and EID and can be used for corporate incentives etc.
 It facilitates the recipient to buy items as per their requirement from their preferred
outlet. Baroda Gift card is issued in association with VISA International and the card will
be usable at all VISA identified merchants establishments within India.
Ba oda Gift Ca d is a p epaid VERIFIED BY VISA e a led p efu ded a d that ope s a disti t
proposition to individuals and corporate with its instant availability, ease of handling, longer shelf life
and extended shopping options for the beneficiary.
7.2 Features of Gift Card

 Card can be loaded with any amount between Rs 500/- to Rs 10,000/- in multiple of Rs
1/-
 Attractively packaged/ready to gift
 Card is valid for a period of one year from the date of purchase
 Easy and convenient to use at shops and malls
 Hot listing can be done by anybody but re-issue at the request of purchaser only
 24 hour toll free number available-1800 102 5627
 No ATM usage permitted
 This card used only in India
7.3 Baroda Gift Card – In Brief

 Prepaid card require funds to be loaded before making purchases.
 Card can be used till available balance.
 These cards can be used to make purchases at merchant outlets and online stores, which
accept Visa cards.
 The card looks just like any normal credit or debit card, with card number, signature strip
and CVV2.
 However, it is not an ATM, debit or credit card. It can only be used till amount is available
42 | P a g e
on the card. For cashless purchase within India.
7.4 Prepaid card can be issued to anybody with a

 Valid Bank of Baroda account
 Non customer –card can be purchased after submitting regular KYC documents
7.5 Baroda Gift Card –Important Information
 Activation For convenience the card will be activated within 24 hours from the time of
purchase and will be ready for use at merchant outlets.
 Pin Mailer personal Identification Number is given in sealed mailer.
 Available at 700+ identified branches. For details, please visit our website
http://www.bankofbaroda.com prepaid section.
 For Corporate/bulk requirement, you may call office on 0265 2316255/58
e-mail at cards.digital@bankofbaroda.com
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Learnings –
 Usage of Baroda Gift Cards
 Benefits and features of Baroda Gift Cards
 Charges for using Baroda Gift Cards
 Validity for Baroda Gift Cards
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Gist of Circular
HO:BR:110:107 30-06-2018 Revision in issuance charges for Baroda Gift Cards
extension of festival bonanza-Baroda Gift Card- Waiver of Initial
BCC:BR:105:507 19-11-2013
Card Issuance fee till 31.12.2013
BCC:BR:105:463 22-10-2013 Baroda Gift Card – Option to Purchase Online
Festival Bonanza - Baroda Gift Card - Waiver of issuance fee till
BCC:BR:105:458 15-10-2013
15.11.2013
BCC:BR:104:389 06-11-2012 Baroda Gift Card – Festival Bonanza
BCC:BR:103:208 19-07-2011 Introduction of Baroda Gift Card
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Chapter 8
8. Baroda Travel Easy Card
Learning Outcome
 Understanding Baroda Travel Easy Cards

 To know the features and Advantages of Baroda Travel Easy Card
 Target customers for Baroda Travel Easy Card
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TRAVEL EASY CARD
EXPLORE A NEW INTERNATIONAL DESTINATION!

8.1 An Introduction
The feeling of isiting a ne place is priceless, especially hen it’s an international location
Baroda TravelEasy Card - It is a prepaid International currency card, designed to make your
international travel a worth of memorable experience. The card is safer, secure and convenient
to a as o pa ed to u e & t a elle s he ues. Baroda TravelEasy card ensures that your
time is best utilized in your pleasure or Business trip instead of wasting your time for money
ha ge s o e hasi g ou t a elle s he ue.
Baroda TravelEasy card is available at 150 + authorized foreign exchange branches in India. The
card can be used to withdraw cash from ATMs as well as for making purchases at any of the 25
million merchant's outlets worldwide displaying the VISA sign.
8.2 Features
 Issued in foreign currencies USD EURO and GBP.
 Card available at 150+ authorized foreign exchange branches in India
 Card valid for a period of Three years from the date of issue or date printed on the card
whichever is earlier. Card is reloadable
 Cardholder can check available balance and/or transaction details online or by calling
customer care number
 ATM withdrawal is permitted abroad
 Easy to carry and safer than cash
 No worry of exchange rates fluctuations, as card is issued in foreign currency
 Worldwide accepted at Visa network
 Competitively priced (almost best in the business)
 Global Customer Assistance Service (GCAS) of VISA available to all cardholders
 Card not valid for use in India, Nepal and Bhutan.
 Minimum load value – USD $ /EURO € 150/ GBP £150
 Maximum load value - As per FEMA guidelines based on the purpose of visit
 For any assistance & information related to your travel easy card call our 24X7 customer
service number (+91-80) 43428177.
 Cardholder can check available balance and/or transaction details online
through https://bobprepaid.enstage.com/prepaid/cms/customer/index.jsp
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Learnings –
 Usage of Baroda Travel Easy Cards
 Benefits and features of Baroda Travel Easy
Cards
 Important circulars related to
Baroda Travel Easy Card
 Validity for Baroda Gift Cards
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Gist of Circular
Withdrawal of Australian Dollars and Singapore Dollar
BCC:BR:109:664 11-12-2017
currencies from Baroda TravelEasy Card
Baroda TravelEasy Card – Availability in AUD and SGD
BCC:BR:108:341 29-07-2016
currencies
BCC:LCB:DFB:107:68 16-10-2015 Baroda TravelEasy card
BCC:BR:105:206 22-05-2013 Baroda TravelEasy Card - Availability in EURO & GBP Currencies
BCC:BR:104:307 27-08-2012 Introduction of Baroda TravelEasy US Dollar Travel Card
Withdrawal of Australian Dollars and Singapore Dollar
BCC:BR:109:664 11-12-2017
currencies from Baroda TravelEasy Card
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Chapter 9
9. Baroda Reloadable Card
Learning Outcome
 Understanding Baroda Reloadable Cards

 To know the features and Advantages of Baroda Reloadable Card
 Target customers for Baroda Reloadable Card
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RELOADABLE CARD
9.1 An Introduction of Reloadable Card
In our endeavour to meet customer needs to stay competitive in the market, Bank has launched
Baroda Reloadable card available in INR currency. Card can be reloaded multiple number of
times. This makes it perfect dole out for recurring overheads like pocket money, travel
allowance, daily/monthly wage, meal allowance etc.
9.2 Silent Features
 Baroda Reloadable card is a EMV chip variant card that can be activated with minimum
load amount of Rs.100/- and maximum upto Rs.50,000 in multiples of Rs.1
 Cash withdrawal at ATM is allowed.
 Card can be reloaded multiple number of times with in the overall limit.
 Acceptable at visa card accepting merchant outlets /websites across the country.
 SMS alert facility for activation or usage to card holder
 No balance transfer is allowed from one card to other card
 Card is valid for maximum period of 36 months from the date of activation or date printed
on the card whichever is earlier
 Activation within 24 hours of purchase
 The card can be reloaded multiple number of times (within the maximum limit )
 Fully compliant with LKYC, AML/CFT requirements as per RBI guidelines.
 Usable at Visa card accepting merchant outlets/websites across the country.
 SMS alert facility will be made available to notify activation & expiry etc.
 Card holder will have access to 24X7 customer care team as well as secured online portal
for viewing their card balance and transaction details.
 Transaction alerts will be sent for all transactions.
 Accounting reconciliation and customer support shall be provided by the operations
team at Digital Banking Department BCC in collaboration with service provider
 Cardholder can check available balance and/or transaction details online
through https://bobprepaid.enstage.com/prepaid/cms/customer/index.jsp
 For Corporate/bulk requirement, you may call office on 0265 2316255/58
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Learnings –
 Basic of of Baroda Reloadable
Cards
 Benefits and features of Baroda Reloadable
Cards
Baroda Travel Easy Card
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Gist of Circular
BCC:BR:109:560 31-10-2017 Introduction of Reloadable Card
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Chapter 10
10. Baroda Fastag (NETC- National Electronic

Toll Collection)
Learning Outcome
 Understanding Baroda Fastag

 To know the features and Advantages of Baroda Fastag
 Target customers and fees paid by the customers
54 | P a g e
Baroda Fastag (NETC- National Electronic Toll Collection)1
10.1 Introduction of Fastag
In our pursuit to enhance Customer Convenience, we have started with NETC. This will enable
the customers hassle free toll payment service by just affixing the Baroda FASTag (based on radio-
f e ue ide tifi atio te h olog RFID o a ehi le s i ds ee , the a ou t of toll ill e
automatically debited from the tag balance of the customer.
10.2 Features of Fastage

 Cash free payment of toll charges.
 Various payment options like Internet Banking, Debit card & Credit card (Bank of
Baroda / Other banks) are available for recharging Baroda FASTag online. Option of
recharging is available through customer portal.
 SMS alerts are issued on payment of toll charges or when the balance becomes low
etc.
 5% cashback are made available on all toll payments using it for 2018-19.
 Ease of payments, no need to worry about change.
 Can avoid long queues at tolls during festive times.
 Separate Lane on Toll Plazas
 Dedicated 24 x 7 Customer Care Support on 18001034568
 Saves Fuel and Time
 Online Portal for customers
Charges applicable on Baroda FASTag:
Various charges are applicable on Baroda FASTag:-
1. Issuance fees
Particulars Amount (Rs.)
Tag Issuance Fee 150+GST
1
The information of this product is given by the Digital banking Department.
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Chapter 11
11. Baroda ATM’s / Cash Dispensers
Learning Outcome
 Understanding Baroda ATM’s and Cash Dispensers

 To know the features and Advantages of Baroda ATM’s and Cash Dispensers
 Card to Card transfer and NEFT Transfer
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Baroda ATM’s / Cash Dispensers
11.1 Introduction of ATM/Cash Dispensers
Ou Ba k s idesp ead et o k of ATMs / Cash Dispe se s akes it eas a d o e ie t

for customers to bank 24 hours a day. With more than 10,136 ATMs set-up within India,
we ensure that you are never too far from an ATM.
User-friendly graphic screens and easy to follow instructions in a language of your choice
makes our ATM Banking a smooth experience. Bank of Baroda has partnered with
National Financial Switch (NFS), Visa and MasterCard. Therefore, Debit / ATM card issued
by members of NFS, Visa and MasterCard are accepted at our all ATMs.
57 | P a g e
11.2 Following services are available free of cost at our ATMs to our Saving Bank account
holders:
 Cash withdrawal
 Balance Inquiry
 PIN Change
 Mini Statement
 Mobile Banking Registration
 Card to Card Fund Transfer
 NEFT remittance
 India First Life Insurance Premium
payment
 Direct Tax Payment
 Gujarat Urja Utility Bill Payment
 Cheque Book Request
 Aadhaar Seeding
 Green PIN Facility for ATM PIN regeneration
 Cash on Mobile (Proposed)
 Lead Generation through Alternate Delivery Channels for Home Loans and Car Loans.
Other Bank (member of NFS) Customers can also use our ATMs for 4 basic functionalities such as PIN
Change, Cash withdrawal etc. Applicable Charges as decided by other Issuer Bank shall apply.
11.3 NEFT Funds Transfer through ATM
 This fa ilit ill e a aila le o Ba k of Ba oda ATM s.

 One time registration is required at Branch for registration of Beneficiary account and
IFSC code.
 The Regist atio Fa ilit is p o ided i CBS th ough e u optio ―BENRATM.
 A Customer can register maximum -2- beneficiaries per day and altogether
 Maximum -99- beneficiaries can be registered with a single debit card.
 The minimum amount for NEFT through ATM is Re.1/-, maximum amount is Rs. 50,000/-
per transaction and Rs. 2,00,000/- per day.
 There is no limit for number of transactions in a day (subject to the maximum cap of Rs.
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2,00,000).
 NEFT fund transfer after the prescribed cut off time will be processed on the next
working day. Suitable communication screen about timing will be displayed to the
customers.
11.4 Card to Card Fund Transfer:
 This facility is an inter / intra bank fund transfer facility using NFS ATM network.
 The fund is transferred instantly on a 24X7 basis including holidays.
 The service is chargeable at Rs.10/- + taxes per transaction
 Fund Transfer limit is Rs.5000/- per transaction and Rs.25000/- per month
59 | P a g e
Learnings –
 Basic of of Baroda ATM and Cash
dispense machines
 Benefits and features available in
Baroda ATM and Cash Dispense
machines.
Baroda ATM and Cash Dispense
machine
60 | P a g e
Gist of Circular
Circular Date Subject
Number
BCC:BR:110:11 04-01-2018 Managed Service Migration of CAPEX ATMs and Cash Recyclers
BCC:BR:109:658 06-12-2017 Optimum utilization of ATMs/Cash Recyclers
Enhancement of per transaction limit of Cash withdrawal at ATM/CRs from Rs.15000/- to

BCC:BR:109:583 07-11-2017
Rs.25000/- for all Debit Card Variants at Bank of Baroda ATM/CRs (ON-US transaction)
BCC:BR:109:337 04-07-2017 “GREEN PIN” – Debit Card PIN Generation through Bank of Baroda ATMs
BCC:BR:109:40 12-01-2017 “GREEN PIN” - Debit Card PIN Generation through Bank of Baroda ATMs
BCC:BR:108:273 16-06-2016 Enabling Online Payment facility using Debit Card and ATM PIN
BCC:BR:107:516 14-10-2015 Master Circular – Cash Recycler Machines (Cash Deposit + ATM Functions)
BCC:BR:110:11 04-01-2018 Managed Service Migration of CAPEX ATMs and Cash Recyclers
BCC:BR:109:658 06-12-2017 Optimum utilization of ATMs/Cash Recyclers
Enhancement of per transaction limit of Cash withdrawal at ATM/CRs from Rs.15000/- to

BCC:BR:109:583 07-11-2017
Rs.25000/- for all Debit Card Variants at Bank of Baroda ATM/CRs (ON-US transaction)
BCC:BR:109:337 04-07-2017 “GREEN PIN” – Debit Card PIN Generation through Bank of Baroda ATMs
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Chapter 12
12. Baroda Debit Cards
Learning Outcome
 Understanding Baroda Debit Cards

 To know the features and Advantages of Baroda Debit Cards
 Target customers for Baroda Debit Cards
62 | P a g e
Our Debit Cards
Bank of Baroda International Debit Card enables you to access over Bank of Baroda
Interconnected ATMs spread across major centres in the country, and 118,000+ ATMs of member
banks of National Financial Switch in India and multimillion ATMs worldwide.
These cards also provide you convenience of usage at literally all major merchant outlets in India
and abroad. Enjoy the convenience of cash-less purchasing power without the fear of
overdrawing your account. We offer wide range of chip based debit cards to suit growing
requirements and lifestyle
12.1 Baroda Visa Electron Debit Card
Eligibility: All customers who are eligible to operate the account individually
Feature:
 ATM Cash withdrawal Limit : Rs.25,000/-
 Purchase limit at POS : Rs.50,000/-
12.2 Baroda Visa platinum International Debit Card:
Eligibility:
 All customers who are eligible to operate the account individually
Feature:
 ATM Cash withdrawal Limit: Rs.1,00,000/-
 Purchase limit at POS: Rs.2,00,000/-
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12.3 Baroda Master Card Classic Debit Card:
Eligibility:
Feature:
12.4 Baroda Master Platinum International Debit Card:
Eligibility:
Feature:
 ATM Cash withdrawal Limit: Rs.50,000/-
12.5 Baroda Rupay classic Debit Card:
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Eligibility:
Feature:
12.6 Baroda Rupay Platinum International Debit card
Eligibility:
Feature:
 ATM Cash withdrawal Limit: Rs.50,000/-
12.7 Key Benefits and Features of Debit Card:

 Merchant shops, it can also serve as your electronic purse, and money gets debited
instantly from your account, as you pay.
 The Card allows you to get mini-statements from Bank of Baroda ATMs, or to check
the balance in your account, avoiding visits to even our nearest branches.
 The Card is accepted at over 3,50,000 Point-of-Sales (POS) in India and around 29
million globally, which display the VISA/ Master / Rupay sign Depending upon card
variant.
 In the event of loss or theft of your Bank of Baroda International Debit Card or for any
kind of assistance, please take advantage of our 24-hour help line by calling us at Toll
Free No. 1800-220-400,1800-102-44-55, 1800 22 33 44.
 For more information visit http://www.bankofbaroda.com/pfs/atm_debitcards.asp
12.8 Launch of MasterCard Platinum Chip Debit Card:

 Higher limits of Cash Withdrawal up to Rs 50,000/- per day from ATM and Purchases
up to Rs 1,00,000/- per day at POS/e-commerce merchants wherever Master Cards
are accepted in India and Abroad.
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 Validity of card is Five years from the month of issuance.
 Maximum number of ATM cash withdrawals allowed per day is 10.
 Secured with PIN and CVV2 for online transactions.
 Ready for international usage on millions of MasterCard ATMs/Terminals.
 Targeted for HNI, overseas travellers and privileged customers.
12.9 Launch of Baroda Flash N Move+ Contactless Debit Card:

Bank has launched Baroda Flash n Move+ Contactless Debit Card in co-ordination with
VISA. The card is based on Near Field Communication (NFC) technology where in the debit
card need not to be dipped or swiped at the POS. Instead, the cardholder simply taps the
card over special POS terminals (enabled for accepting contactless cards) for making
purchases at POS.
12.10 Key features of the card are as follows

 It is a Platinum variant of Visa debit card with higher limits of ATM Cash
Withdrawal and POS/e-commerce transactions.
 Can be used for domestic as well as international transactions
 Same Card can be used for making payment through both Contactless modes (by
tapping/bringing the card near to POS terminal within a radius up to 4 cms) or
Contact based mode (either by swiping the card through Magnetic Stripe or
dipping the Card through Chip).
 Can be used at ATMs to withdraw Cash or avail any other value added service.
 Make online purchases through Internet.
 For convenient shopping, travelling, dining out at many locations wherever
contactless debit cards are accepted
 As per RBI guidelines, Contactless transaction up to a maximum of Rs 2000/- can
be done without PIN at POS. If amount is more than Rs 2000/-, Customer has to
mandatorily enter the PIN. However, Customer also has choice of using PIN on
purchase at POS for an amount less than Rs 2000/- by opting for Contact based
mode.
12.11 Baroda Deposit Card

Our Bank has introduced Baroda Deposit Card for our corporate customers maintaining
Current account, Cash Credit , Overdraft accounts to deposit cash through Cash Recyclers .
The o po ate usto e a utilize the ash deposit fa ilit usi g Cash e le s a hi es
with this card.
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Eligibility: Only CA, CC and OD accounts (other than individual and sole proprietorship
accounts are eligible.
Limits:
 Withdrawal: Card will be having Zero Cash withdrawal/purchase limit through POS & E
commerce.
 Cash Deposit: Maximum Cash that can be deposited in a day is Rs 500000 per account
which can be enhanced as per Business Requirement.
 No of Add on Cards: Maximum 10 Baroda Deposit Card can be issued for an account.
Usage: Card can be used only at Bank of Baroda Cash recyclers for Pin change & Cash deposit
facility.
Charges: Annual Charges (Rs. 150 +18% GST) per card shall be recovered from card holder in
line with other existing debit card variants.
12.12 Baroda MUDRA Card
Bank has launched Baroda Mudra Card on 02.01.2016 in pursuit to offer better banking
facilities to borrowers who avail Working Capital facilities under Pradhan Mantri MUDRA
Yojana (PMMY). The card is envisaged to meet the requirements of MUDRA customers to
use alternate delivery channels like ATMs for cash withdrawal and also POS usage.
At present the Card can be used at ATM and POS only with a provision for allowing Online
purchases to be considered at a later date. This will ensure availability of funds 24x7 to
borrowers any time as per their needs, without visiting the branches.
Profile of Baroda MUDRA Card:

 Baroda MUDRA Card is exclusively for PMMY borrowers enjoying Working
Capital limits under all three segments of PMMY viz. SHISHU, KITSHORE, TARUN.
 The card is RuPay enabled and is linked to PMMY/ CC/OD accounts to be used at
our Bank's ATM network and NFS member ATMs in India.
 Card can also be used at selected RuPay enabled POS outlets (as identified by
NPCI).
 This card is EMV chip card which can be operated through PIN at ATMs and POS.
 Card can be issued to PMMY customers, on request, who will be availing Working
Capital facilities.
 Withdrawal through Baroda MUDRA Card is restricted up to Drawing Power
within the overall operating limit as per the extant guidelines applicable under
PMMY scheme,
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 Further, withdrawal through Baroda MUDRA Card is restricted up to Rs.5000/-
per day with maximum 4 number of withdrawal from our Bank's ATM and from
other Bank's ATM and for purchases up to Rs.5000/- per day at POS. (subject to
balance available in the account).
12.13 Usage of ATMs

Ratio alizatio of u e of f ee t a sa tio s o othe Ba k s ATMS.
 Number of mandatory free ATM transactions for savings bank account

usto e s at othe a ks ATMs is edu ed f o the p ese t fi e to th ee
transactions per month (inclusive of both financial and non-financial
transactions) for transactions done at the ATMs located in the six metro centers,
viz. Mumbai, New Delhi, Chennai, Kolkata, Bengaluru and Hyderabad.
 Except the six metros mentioned above there will be five free transactions per
month (financial or non-financial) at all other centers for Savings Bank
customers, as existing.
 There is no restriction for using our bank ATM by our customers up to permissible
number of transactions as per card variant
 The charges that shall be levied to the Savings Bank Account Customer after
pe issi le f ee t a sa tio s o othe Ba ks ATMs a e as u de :
 Rs 20/- plus GST per transaction for Financial Transaction.
 Rs.10/- plus GST per transaction for Non-Financial Transaction.
 For current/ Overdraft account holder: Rs 20/- plus Service Tax for every
Financial transaction and Rs.10/- plus service tax per transaction for Non-
Financial Transaction;
 No transactions are free for these account holders for usage of Debit Card on
othe Ba k s ATMs.
12.14 Card limits
a. ATM:
 Maximum per day limit Rs 1,00,000
 Maximum per transaction limit on our ATM Rs 25,000 except Rupay Mudra Card
 Maximum per transaction limit o othe Ba k s ATM Rs ,
 Maximum no of cash withdrawals allowed per day 10
b. POS:
 Maximum per day limits at POS (Inclusive of NFC & e-commerce transactions):
Rs 2,00,000
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 Maximum per transaction limit using Contactless mode: Rs 2,000
 Total Count of purchases at POS in a day using: Contactless mode (NFC i.e.
Near Field
 Communication): 5
 Due to limited availability of contactless enabled POS terminals in India,
presently Flash N Move+ is being launched in 3 Regions of Greater Mumbai
Zone viz MMSR,MMCR and MMNR
12.15 Debit card Hot-listing/ Blocking

The different options for hot listing of debit cards are
 Ca dholde alls at Ba k s Co ta t Ce t e at 8 / 8 a d gets
the card blocked. This facility is available round the clock.
 Cardholder calls at BOBCARDS Toll Free No. 1800 220 400 for card blocking. This
facility is available 24 x 7.
 Th ough B a h usi g e u DCARDBLK has ee p o ided i CBS/Fi a le to
block the debit card
 by the cardholder himself by sending an SMS in a certain prescribed format from
registered mobile to <8422009988>
 An SMS alert will be sent as a token of confirmation to the Debit card holder on their
registered mobile number, whenever a debit card is hot listed/blocked.
Summary of Debit Card variants effective from 01/02/2016:
Name Acceptance Per day limit at Per day limit at

ATM POS
Visa Electron Domestic only Rs 25,000/ Rs 50,000/
MasterCard Classic Domestic only Rs 25,000/ Rs 50,000/
RuPay Classic Domestic only Rs 25,000/ Rs 50,000/
Visa Platinum Domestic International Rs 1,00,000/- Rs 2,00,000/-
MasterCard Platinum Domestic & International Rs 50,000/- Rs 1,00,000/-
RuPay Platinum Domestic & International Rs 50,000/- Rs 1,00,000/-
RuPay PMJDY Domestic only Rs 25,000/- Rs 50,000/-
RuPay BKCC Domestic only Rs 25,000/- Rs 50,000/-
RuPay MUDRA Domestic only Rs 5,000/- Rs 5,000/-
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Learnings –
 Basic of of Baroda Debit Cards
 Benefits and features available in
Baroda Debit Cards
Baroda Debit Cards
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Gist of Circular

Enhancement of per transaction limit of Cash withdrawal at ATM/CRs
from Rs.15000/- to Rs.25000/- for all Debit Card Variants at Bank of Baroda
BCC:BR:109:583 07-11-2017 ATM/CRs (ON-US transaction)
BCC:BR:109:337 04-07-2017 GREEN PIN – Debit Card PIN Generation through Bank of Baroda ATMs
BCC:BR:109:294 14-06-2017 Ba k s Visa Ca d De it Ca d – SWIPE KARO, APPLE IPHONE PAO Campaign
Account Opening Kiosk (AOK) with instant issuance of Non-Personalized

BCC:BR:109:248 16-05-2017 Debit Card.
BCC:BR:109:40 12-01-2017 GREEN PIN - Debit Card PIN Generation through Bank of Baroda ATMs
Tie-up a a ge e t ith Apollo Hospitals E te p ise Ltd. Apollo

Pharmacy) for Instant Discount up-to 15% at 2300+ Apollo Pharmacy
BCC:BR:108:495 20-10-2016 outlets on purchases using Bank of Baroda Debit Card
BCC:BR:108:427 14-09-2016 Ba k s Maste Ca d De it Ca d – SWIPE KARO, FLY KARO Campaign
BCC:BR:108:273 16-06-2016 Enabling Online Payment facility using Debit Card and ATM PIN
BCC:BR:108:49 01-02-2016 Launch of MasterCard Classic Chip Debit Card
BCC:BR:108:44 01-02-2016 Issuance of EMV Chip Debit Cards
BCC:BR:108:43 01-02-2016 Non-personalised Debit Card
Contact Centre - Round the clock availability of Debit card Hotlisting and
BCC:BR:107:638 Webchat Services
28-12-2015
BCC:BR:107:584 01-12-2015 Bank's Visa Debit Cards - Cash Back and incentive Campaign
BCC:BR:107:590 30-11-2015 Debit Card blocking through SMS
BCC:BR:107:595 27-11-2015 Debit Card Dispute Management System
Debit Card Re-Issuance, PIN Regeneration, Multiple Account Linking/De-

BCC:BR:107:594 27-11-2015 linking and Card De-blocking
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Chapter 13
13. Baroda Credit Cards
Learning Outcome
 Understanding Baroda Credit Cards

 To know the
1. features and Advantages of Baroda Credit Card
 Target customers for Baroda Credit Cards
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Bank of Baroda Credit Cards
A credit card is a plastic card that makes payments convenient. With it, you have the option
of making purchases or withdrawing cash when you want, and repaying the amount over a
period of time.
Credit Card Benefits
 Buy now and pay later concept.
 Ability to buy needed items now.
 Don't have to carry cash.
 Plastic cards are easy to carry and convenient to handle.
 Creates a record of purchases made.
 Consolidates bills into one payment.
 24 hour cash through ATM.
 Facility to transact in more than one currency.
 Free Add-on Card: Get up to 3 lifetime free add-on cards for your spouse, parents, siblings
or kids (above age 18).
 In-built insurance cover: Get free Personal Accidental Death Cover to ensure financial
protection of your family.
 Zero liability on lost card: Report loss of card immediately to ensure zero liability on any
fraudulent transactions.
 Interest free credit facility: Avail up to 50 days of interest free credit from the date of any
purchase.
 Revolving credit facility: Pay Minimum Amount Due and finance your spends as per your
convenience
Our Bank offers following Credit Cards:

13.1 Easy Credit Card (Visa)
Key Features
 Entry level product appealing to young /first-time credit card user.
 Income from 3.0 to 4.8 lakhs per annum.
 Minimum credit limit: Rs 25,000.
 Base Rewards :Earn one reward points for every Rs 100 spent.
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 Accelerated Rewards :Earn five reward points for every 100 spent on Grocery,
Departmental stores and Movies.
 Make Easy Credit card lifetime free: Spend Rs 6,000 within 60 days and Rs 35,000 in a
year for reversal/waiver of annual fees.
 Zero Fuel Surcharge :1% fuel surcharge waived for all transactions between 400 - 5,000.
 Easy EMI option: Convert purchase of > Rs 2,500/- on the card into easy EMIs of 6/12
months.
 Cash on card repayment: Get 0.5% of the card bill payment as cashback in your next
statement.
 Multiple redemption option: (Redeem your reward points as cashback and other exciting
options)
13.2 Select Credit card (Visa Platinum)
Key Features
 Higher end of the mass market; young and aspirational customer.
 Income from 4.8 to 7.2 lakhs per annum.
 Minimum credit limit :Rs 50,000
 Reward points: 1 point per Rs. 100 spent
 5X Reward Points on online, utilities and Dining spends.
 Bonus Rewards Every Months: 1,000 Bonus Reward points every month if 5 or more
transactions of Rs. 1000 each are done.
 Make Select Credit card lifetime free: Spend Rs 7,500 within 60 days and Rs 70,000
in a year for reversal/waiver of annual fees.
 Zero Fuel Surcharge :1% fuel surcharge waived for all transactions between 400 -
5,000.
 Easy EMI option: Convert purchase of > Rs 2,500/- on the card into easy EMIs of
6/12 months.
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13.3 Premier Credit Card (Visa Platinum)
Key Features
 For customer seeking exclusive benefits; typically holds more than 1 credit card
 Income above Rs. 7.2 lakhs per annum.
 Minimum credit limit :Rs 1,00,000
 Reward points: 2 point per Rs. 100 spent
 5X Reward Points on online, utilities and Dining spends: Earn 10 reward points for
every 100 spent on travel, dining and abroad.
 Exclusive privileges: Complimentary access to 38 airport lounges across 22 cities.
 Make Premier Credit card lifetime free: Spend Rs 10,000 within 60 days and Rs
1,20,000 in a year for reversal/waiver of annual fees.
 Zero Fuel Surcharge :1% fuel surcharge waived for all transactions between 400 -
5,000.
 Easy EMI option: Convert purchase of > Rs 2,500/- on the card into easy EMIs of
6/12 months.
13.4 Prime Credit Card
Key Features
 Guaranteed issuance: Get PRIME against fixed deposit of 15,000 or more without
any income proof.
 1% Cash Back on all spends: Earn 4 reward points (equal to 1 on redemption) for
every 100 spent.
 Prime Credit Card is lifetime free: Zero first year and annual fees.
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 Zero Fuel Surcharge: 1% fuel surcharge waived for all transactions between Rs.
400 – Rs.5,000.
 Multiple redemption option: Redeem your reward points as cashback and other
exciting options.
 Easy EMI option: Convert purchase of > 2,500/- on your card into easy EMIs of
6/12 months.
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Learnings –
 Basic of of Baroda Credit Cards
 Benefits and features of Baroda Credit Cards
 Different types of available credit cards in
out bank
Baroda Credit Card
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Gist of Circular
BCC:BR:110:382 31-10-2017 Introduction of Reloadable Card
BCC:BR:110:254 16-05-2018 Revision in Merchant Discount Rate (MDR) on Credit Cards and Foreign Debit cards
BCC:BR:110:175 07-04-2018 Credit Card Offer to the staff: Revised based on income.
BCC:BR:110:157 28-03-2018 Withdrawal of First Year / Joining Fee waiver on Credit Cards for Bank of Baroda Customers.
BCC:BR:110:156 28-03-2018 Query / Complaint resolution and Escalation Matrix for Credit Cards
BCC:BR:110:81 17-02-2018 Revised Credit Card Offer for all existing Staff Members
BCC:BR:110:44 19-01-2018 Revamping of Retail Credit Cards by BoBFSL
BCC:BR:110:254 16-05-2018 Revision in Merchant Discount Rate (MDR) on Credit Cards and Foreign Debit cards
BCC:BR:110:175 07-04-2018 Credit Card Offer to the staff: Revised based on income.
BCC:BR:110:157 28-03-2018 Withdrawal of First Year / Joining Fee waiver on Credit Cards for Bank of Baroda Customers.
BCC:BR:110:156 28-03-2018 Query / Complaint resolution and Escalation Matrix for Credit Cards
BCC:BR:110:81 17-02-2018 Revised Credit Card Offer for all existing Staff Members
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Chapter 14
14. Baroda Rewardz Application
Learning Outcome
 Understanding Baroda Rewardz Application

 To know the features and Advantages of Baroda Rewardz Application
 Customers benefit for Baroda Rewardz Application
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Baroda Rewardz App
Portal APP
14.1 Introduction of Baroda Rewardz
In order to increase the usage of our various ADC products, bank has embarked upon implementing a
comprehensive loyalty program - Baroda Rewardz. This loyalty program will cover Debit Cards, Mobile
Banking, Internet banking, Mobile wallet and other digital products launched from time to time.
As a first program under Baroda Rewardz, bank has launched the loyalty program for our debit card
customer’s wef 03rd December 2015. This program is aimed at encouraging our customers for usage of
debit card on POS and e-commerce transactions for all debit card variants. The program detail is as follows:
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Gist of Circular
BCC:BR:110:187 06-04-2018 A e d e ti o st u t of Ba k s Lo alt program-Baroda Rewardz
BCC:BR:109:698 30-12-2017 Baroda Rewardz : Launch of Bank's Loyalty program for Current Account
customers (Proprietor and Individuals only)
BCC:BR:107:604 03-12-2015 Launch of Bank's Loyalty Program - Baroda Rewardz
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Chapter 15
15. Baroda M-Passbook Application
Learning Outcome
 Understanding Baroda M-Passbook Application

 To know the features and Advantages of Baroda M-Passbook Application
 Target customers for Baroda M-Passbook Application
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Baroda M Passbook
15.1 Introduction of mPassbook

Baroda mPassbook is a mobile version of the traditional bank passbook. This app, like any traditional bank
passbook, provides all the information related to the customer bank accounts (All Savings, Current, OD,
Deposits, CC and Loan account details linked with registered mobile number).
This app also provides the customer an option to download the account statement, Locate the ATM within
the customer's 10km vicinity, Tag the transactions and save it for future references, Option to choose the
app language from available 8 languages , Search the transactions based on date, amount or tag and
Expense Manager for tracking down the expenses done. The app synchronises and updates automatically
whenever the app is opened. This app is now available for all the Bank of Baroda Indian customers (Indian
mobile numbers and international mobile numbers) having their mobile number registered with their
accounts.
 App is available in both Hindi and English Languages

 Transaction and account details stored on the mobile arranged in the chronological order for all
the accounts linked to the registered mobile number with the Bank.
 Customer can set his MPIN after OTP verification
 Customer can select the period of months for which the data can be stored in the app.
 Search transaction history by transaction date, transaction amount
 Personalise / add remarks of choice to the transactions, which can be used to track the
transactions on later date.
 Now this facility is enabled for all types of accounts and the App is made available in Android
platform.
To avail this service, customer is required to download the app from the Google play store and install
the same.
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Gist of Circular
BCC:BR:107:97 02-03-2015 Launch of New Informatory Mobile Application - Baroda mPassbook
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Chapter 16
16. Baroda M Invest Application
Learning Outcome
 Understanding Baroda M-Invest Application

 To know the features and Advantages of Baroda M-Invest Application
 Target customers for Baroda M-Invest Application
 Branch can guide for new investment for mutual funds
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Baroda M Invest App
16.1 Introduction of Baroda m-Invest

Baroda m-Invest is an online wealth manager, delivered through a mobile app. This product simplifies all
aspects of personal investing -completely paperless KYC, goal based investing, research based
recommendation, jargon free tracking, straight through processing of transactions. The bank has partnered
with leading robo advisory firm Fin wizard Technology Pvt. Ltd. for the roll out of product.
Our customer can now download the app and invest in the partner mutual funds of Bank of Baroda in a
completely digital way and track their money grow. Clients who had invested in mutual funds through Bank
of Baroda before the app was launched can also now register on the app and track their investments.
Key features:
• Baroda m-invest is a free mobile investment manager that provides a simple, jargon-free
approach to managing money
• Baroda m-invest takes the guesswork out of sound, long-term investing by combining world-
class investment research with skilful engineering.
• The app empowers you to get guidance and make investments from anywhere, on-the-go
Everything from KYC to investing, viewing your money and withdrawing money is completely online and
paperless.
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Gist of Circular
BCC:BR:109:187 15-04-2017 A aila ilit of Ba oda -i est o A d oid Platfo at Google Pla -store
BCC:BR:109:51 20-01-2017 Launch of "Baroda m-invest" a Mobile Based App for investment in Mutual Funds
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Chapter 17
17. Baroda Demat Account
Learning Outcome
 Understanding Baroda Demat Account

 To know the features and Advantages of Baroda Demat Account
 Target customers for Baroda Demat Account
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Baroda Demat Account
Buy. Sell. Transfer
Investments made easy with
17.1 Introduction
Demat Account or dematerialized account provides the facility of holding shares and securities in
electronic format. During online trading, shares are bought and held in a demat account, thus facilitating
easy trade for the users. A Demat Account holds all the investments an individual makes in shares,
government securities, exchange traded funds, bonds and mutual funds in one place.
Demat With Bank of Baroda:

Our Bank provides our customer the platform to BUY, SELL, and TRANSFER your securities through just 2
Step Process.
17.2 To enroll for our Demat services customer will have to open the following accounts
 Current Account / Savings Bank with Bank of Baroda
 Demat Account with Bank of Baroda DP
17.3 Benefits
Bank of Baroda India’s International Bank now offers you the opportunity to deal and open a Demat
account. We are depository participant* of Central Depository Services Ltd as well as National Securities
Depository limited. An individual, Non-Resident Indian, Foreign Institutional Investor, Trusts, Clearing
Houses, Financial Institution, Clearing Members and Mutual Funds can open a Demat account.
 Free account opening.

 Free 1st year AMC.
 Free SMS Alert facility.
 Free ASBA ( app supported by blocked amount)
 Free Nomination.
 Transparent Services charges as such no hidden charges.
17.4 Basic Information

DP ("Depository Participant") is an agent of the Depository (NSDL or CDSL) who is authorized to offer
depository services to investors. Thus to open a Demat account of an investor, a bank or its branch has to
get registered as a DP of a depository i.e. NSDL or CDSL or both. Bank of Baroda is a DP of both the
depository i.e. CDSL and NSDL.
An individual is eligible to have only one Basic Services Demat Account (BSDA)
Individuals shall be eligible to opt for BSDA subject to the following conditions –
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 All individuals who have or propose to have only one demat account where they are the sole or
first holder.
 Individuals having any other demat account/s where they are not the first holder shall be eligible
for BSDA in respect of the single demat account where they are sole or first holder
 The individual shall have only one BSDA in his/her name across all depositories.
 Value of securities held in the demat account shall not exceed Rupees Two Lakhs at any point of
time.)
17.5 How to open a Demat account

For opening a Demat account, you have to fill account opening form and submit a photograph of the
applicant along with the photo copies of the following documents and your account number will be intimated
to you on completion of processing of your application.
17.6 For trading in the equity market

In India we need to have a Demat account. There are many other benefits which encourage having a
Demat account like:
 Buy and sell shares and stock of any company listed on the stock exchange of India i.e. NSE and
BSE
 Make on line investment in mutual fund.
 Apply in IPO
 Trade in Futures and Options
 No threat of loss of shares due to faulty/bogus/forged delivery.
 Dividend and issuance of bonus shares are directly credited into linked accounts and Demat
accounts respectively.
 No share transfer fees or stamp duty.
 Application can be made vide facility of ASBA (Application Supported by Blocked Amount) wherein
amount does not get debited into the account and is remitted only when shares are allotted.
 The shares trading account enables you to view live prices, watch lists and place transactions. The
deposit account is linked to the trading account for seamless transfer of funds.
17.7 Services / Utilities

 IDeAS (NSDL) : facility to check balance & transactions online.
 SPEED-e (NSDL) : Facility to submit delivery instructions to us through
website https://eservices.nsdl.com.
 Easi (CDSL) : Access of Demat account through the internet to check the details of their holdings
/ valuation and transactions, corporate announcements, anytime anywhere, through CDSL’s
website www.cdslindia.com
 Easiest (CDSL) : Electronic Access to Securities Information and Execution of Secured Transactions.
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Learnings –
 Basic of of Baroda Demat Account
 Benefits and features of Baroda Demat
 Procedure to open the Demat account
Baroda Demat account
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Gist of Circular
BCC:BR:108:518 04-11-2016 Demat Stationery including Standardized Delivery Instruction Slip (DIS)
BCC:BR:104:448 10-12-2012 Change of Name in the Beneficial Owner (BO) in case of Demat account
BCC:BR:104:446 01-12-2012 Facility for a Basic Services Demat Account ( BSDA )
BCC:BR:103:240 22-08-2011 Observations/Suggestions in handling Demat Business Operations
BCC:BR:100:340 03-12-2008 Offering Demat services (CDSL) to customers in CBS branches - Acceptance of
Delivery Instruction Slip (DIS) at any of the authorized CBS branch at a centre
BCC:WB:DFB:99:72 20-07-2007 Maintenance of collateral by FIIs for transactions in derivative segment-

Opening of demat accounts by Clearing Corporations and Clearing Members
BCC:BR:99:189 25-05-2007 Central Retail Depository Project- Offering of Demat services to customers in
CBS branches
BCC:BR:99:155 19-05-2007 Service Charges on Demat services
BCC:BR:99:57 20-02-2007 Central Retail Depository Project- offering Demat services to customers in CBS
branches
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Chapter 18
18. Baroda e-Biz
Learning Outcome
 Understanding Baroda e-Biz

 To know the features and Advantages of Baroda e-Biz
 Target customers for Baroda e-Biz
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Baroda e-Biz
18.1 Introduction of Baroda e-Biz

Bank of Baroda is authorised by Department of Industrial Policy and Promotion (DIPP) as one of the
accredited Bank for collection of fees/ charges through e-Biz Portal. There are two modes of collection of
e-Biz receipts:
1. Offline Mode – By any of our branch across India

2. Online Mode – Customer using their net banking facility can pay through online mode
Fee pertaining to the services like, Industrial License, Industries Entrepreneur Memorandum, and Employer
Registration Service etc. can be done through e-Biz portal.
What is E Biz: eBiz is one of the integrated services projects and part of the 31 Mission Mode Projects
(MMPs) under the National E-Governance Plan (NEGP) of the Government of India. eBiz is being
implemented by Infosys Technologies Limited (Infosys) under the guidance and aegis of Department of
Industrial Policy and Promotion (DIPP), Ministry of Commerce & Industry, Government of India. The focus
of eBiz is to improve the business environment in the country by enabling fast and efficient access to
Government-to-Business (G2B) services through an online portal. This will help in reducing unnecessary
delays in various regulatory processes required to start and run businesses.
This project aims at creating an investor-friendly business environment in India by making all regulatory
information starting from the establishment of a business, through its ongoing operations, and even its
possible closure - easily available to the various stakeholders concerned. In effect, it aims to develop a
transparent, efficient and convenient interface, through which the government and businesses can interact
in a timely and cost effective manner, in the future.
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Learnings –
 Basic of of Baroda e-BIZ
 Benefits and features of Baroda e-BIZ
 Procedure to open the Baroda e-BIZ
Baroda e-BIZ
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Gist of Circular
BCC:BR:108:428 26-08-2016 Launch of e-Biz by Ministry of Industry & Commerce -(Department of Industrial and Policy
Promotion).
BCC:LCB:DFB:108:4 04-02-2016 Foreign Direct Investment –Reporting under FDI Scheme, Mandatory filing of form ARF, FCGPR and
FCTRS on e-Biz platform and discontinuation of physical filing from February 8, 2016
BCC:BR:107:518 21-10-2015 eBiz-India's G2B portal-Launch of additional -04- new services by Ministry of Industry & Commerce
(Department of Industrial Policy and Promotion)
BCC:BR:107:434 04-09-2015 Master Circular- eBiz-India's G2B portal
BCC:LCB:DFB:107:59 24-08-2015
Foreign Direct Investment – Reporting under FDI Scheme on the e-Biz platform
BCC:LCB:DFB:107:22 23-02-2015 Foreign Direct Investment –Reporting under FDI Scheme on the e-Biz platform
BCC:BR:107:80 20-02-2015 e-Biz -India's G2B portal - Launch of additional new -11- services by Ministry of Industry & Commerce
(Department of Industrial Policy and Promotion)
BCC:BR:106:491 13-12-2014 Launch of e-Biz by Ministry of Industry & Commerce - (Department of Industrial and Policy
Promotion)
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Chapter 19
19. Digital Signage System
Learning Outcome
 Understanding Baroda Digital Signage System

 To know the features and Advantages of Baroda Signage System
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Digital Signage System
19.1 Introduction of Digital Signage Systems

Digital Signage Systems are envisaged to fulfil bank’s requirement of providing latest and relevant product
information to customers in an appealing manner using video content, still banners, text/graphical
information etc. on a large size (46” or more) LED display screen.
These systems are designed to display high quality content to visitors in a banking hall, lobby or office
premises etc. having high public footfall. These are industrial grade LED screens with attached media player
also called as thin client to store content locally.
The content is pushed from a central server for an immediate or scheduled time display.
Monitoring of DSS and content distribution would be carried out centrally. Digital Banking Department in
co-ordination with Marketing Department would update the latest product information on these screens.
We also propose to display information in regional languages catering to local requirements.
19.2 Scope of information Broadcast Contents
DSS can be used to broadcast latest information about bank’s new products or features in form of audio
visuals / 2D animation as it is centrally controlled so, these contents can be pushed in few minutes to all
or upon selected DSS installed pan India.
DSS can also be put to use , to display latest interest rates of Fixed deposits, Recurring deposits ,loans
,foreign currency exchange rate ,Bank’s share prices on NSE/BSE index and other products in real-time.
File formats supported by DSS of Bank of Baroda e.g. /shockwave file(.swf), Jpeg image, Bitmap image
(.btm)
It can also be used to display contents not only in visual form but in text form in the form on ticker which
keep on moving at bottom of screen.
19.3 Benefits of DSS to Bank
To communicate with people, you have to get their attention. Watching TV and using computers has trained
us to look at screens for information, so digital signage is a natural choice for reaching large audiences.
It’s also better than email, printed posters, and bulletin boards because:
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 We can deliver breaking news in real-time: Like updated real-time Bullion markets, stock
markets rates, Forex rates etc.
 Screens are bright and show motion: This feature can be used to provide video tutorial to the
customers for learning the process to operate mConnect Plus, Baroda connect, mPassbook, M-clip
etc.
 We can display multiple things on a screen at once: At a time multiple information can be
displayed on screen like Ticker showing information in text, Images showing product information
and guidelines.
 We can change what’s on the screen throughout the day :full control is in our hands by
using centrally connected Server we can display Stock prices in real-time and can be updated on
real-time basis
 It’s cheaper than print for big audiences: It can be used as Digital Poster hence can be used
to display content to promote latest products or information.
 It’s better than print for green reasons-By using DSS in Bank of Baroda we are saving
paper which is used for printing these ads hence it is a green initiative by using:
environment friendly methods and cost saving initiative by using DSS in bank we are saving lacs
of funds by not using traditional paper and printer format of Commercials to display new feature
and schemes over a long period of time.
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Chapter 20
20. Baroda M-Pedia
Learning Outcome
 Understanding Baroda M-Pedia

 To know the features and Advantages of Baroda M-Pedia
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Baroda M-pedia
This application facilitates employees to view Bank of Baroda’s Circulars on their mobile anytime anywhere.
Features:
 Latest circulars available in one click.

 User will be able to see latest circulars in one click after login. They will not have to search.
Out of the box search facility
 User will be able to search circulars based on many parameters like Issuing department, date,
year, subject, circular number.
 Out of the box data saving
 Application automatically caches circular pages ased o use s o si g to sa e ou data.
 Easy on the eyes, Zoom in and Zoom out facility is provided just at double click.
 4 Digit PIN based login. User will be able to setup PIN for login into the app. For setting up the PIN
user will have to enter EC number and mobile number (This will be a onetime process).
 Easy PIN reset, Application provides very easy process to reset PIN, if the user forgets PIN.
 Master Circulars are available for easy viewing inside the app.
 Easy navigation
 Very easy controls provided for navigation from page to page. User can also go to specific page.
 Favourite /Offline circulars, User can download the circulars to view offline (for those times when
you don't have internet)
Gist of Circular
BCC:BR:109:567 01-11-2017 Launch of Barodapedia - Ne Mo ile App a d Po tal to ie Ba k s i te al esou es
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Chapter 21
21. Baroda E-Lobbies and other products
Learning Outcome

 Understanding Baroda Elobbies and other products
 To know 
the features and Advantages
 Know more about Miss Call
 Get information on our 24 X 7 Contact Centre
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E Lobby & Other products
21.1 E Lobbies
E-lobby is a place where automated banking is done without any manual intervention; it is designed in a
unique way to create a brand image of the bank and to accommodate 5 different machines which makes
banking easy for the customers 24 X 7. Currently we have more than 340 e-lobbies operational across
India. Details of the machine installed in Baroda E-lobby are as follows:
21.2 BNA/Cash Recyclers
The Cash Recycler machine (CR) is a self-service terminal that lets you and me to make deposit and
withdrawal transactions of cash. All successful transactions are immediately credited or debited in real time
and customers will be issued an acknowledgment slip confirming the transaction.
A person having Debit Card can use the CR machine for withdrawal, however to use the CR machine for
depositing the Cash, customers need to have either his/her Bank of Baroda debit card or to know
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beneficiary’s account number in Bank of Baroda. The transaction receipt also gives you your updated
account balance.
Salient functionalities available in Cash Recyclers are as follows:
21.2.1.1 Cash Deposit with Card Transaction

 Daily transaction limit for account without PAN (Permanent Account Number) registered in CBS
is Rs. 49,999/-. There is no restriction on number of transactions of cash deposit till daily limit of
Rs. 49,999/- is reached. This limit also includes the cash deposited over the counter at the
branches.
 Daily transaction limit with PAN registered in CBS is Rs. 2,00,000/- without any restriction on
number of transactions. This limit also includes the cash deposited over the counter at the
branches.’
21.2.1.2 Cash Deposit without Card Transaction

 Cash Recycler machine facilitates customer to deposit the Cash in Savings / Current / Cash Credit
/ Overdraft account by giving the account number (Card-less Transaction), where per transaction
& per day limit is of Rs. 20,000/- subject to daily transaction limit without PAN (Permanent Account
Number) registered in CBS of Rs. 49,999/-.
This facility is exactly like ATM operations and available with Debit / ATM Card only. The Cash Recycler
dispenses cash deposited by customers using Cash Acceptor facility.
 Other Bank customers having Debit / ATM Card can also use Cash Recycler for Cash Withdrawal
only.
Maximum cash withdrawal limit per transaction for our Customer is Rs. 15000/-, however per day
Cash withdrawal limit is as per the variant of Debit Card
21.3 Self Service Passbook Printer
To improve customer convenience and to reduce workload of staff to map subsequent passbooks, “Self-
mapping of subsequent passbook” feature is now enabled in SSPBP. Details of this facility are as under:
 Customer is issued the first SSPBP passbook from the branch counters after mapping the passbook
serial number with account number by branch staff (no change in current process).
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 Thereafter, customer prints passbook using Self Service Passbook Kiosks. On completion of the
passbook, system prompts customer to collect fresh passbook from branch for continuation. System
will provide 45 seconds to insert new passbook for auto mapping.
 If customer inserts new blank passbook within 45 seconds, system automatically maps the serial
number of the blank passbook with customer’s account and deactivates the old passbook.
If customer is not able to insert the blank passbook within 45 seconds (primarily when he/she has to collect
blank passbook from branch) then the system returns to home screen. In that case, for mapping of
subsequent passbook, customer is required to first insert the old passbook. System will prompt him/her to
insert the new blank passbook and machine completes the mapping.
21.4 Multi Function Kiosk
Weblink: https://www.bankofbaroda.co.in/multifunction-kiosk-mfk.htm
To provide hassle free and convenient banking services through alternate delivery channels to customer by
leveraging Technology, Bank of Baroda has launched an innovative Self Service kiosk called Multi
Function Kiosk (MFK). As the name suggests it offers a number of customer centric services from a
single hybrid services box.
Key Features
 Cheque Deposit facility with CTS interface
 Bill payment facility using our Debit card and Net banking
 Browser based Internet Banking
 Non cash / Enquiry services including Balance enquiry and Mini Statement
Cheque Deposit Facility

Customer can deposit cheques by entering few details prompted by the system and he/she would get
instant receipt with cheque image and date/time stamp. At present, CTS interface is enabled in MFKs
installed in 16 cities. CTS compatible front, back and UV scanned images would be transferred to CTS
server through MFK server. This facility will help reduce the time taken for clearing process and there is no
need of scanning /entering the cheque details by the branch/service branch staff as this machine is having
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the feature of capturing necessary details. The response from these 16 cities where CTS interface is working
is encouraging.( As on 16-12-2016)
Non CTS Centres
Where the CTS system is not enabled, the machine is working as cheque deposit box with instant receipt.
Branch staff has to remove cheques from MFK (Onsite/Offsite) and send these cheques to service branch
as per normal clearing by following existing guidelines. Account number of cheque will be printed on the
backside of cheque.
Process of cheque deposit in MFK
 Customer selects the cheque deposit menu.

 System asks the user to enter the A/C number in which the amount is to be credited.
 System fetches the A/C holder name from CB Sand show to the customer and gets confirmation.
 After confirmation, machine will prompt the user to insert the cheque.
 After processing of one cheque, machine allows depositing more cheques in the same account, if
required by the user.
Bill payment facility using our Debit card and Net banking
Bill payment facility is available in MFK through internet banking and debit card based authentication.
Customer can use any of the options i.e. his/her Internet Banking or Debit Card details to pay the
Bill/Recharge Mobile / DTH etc.
Process of bill payment using MFK
 Customer needs to click on the Bill Payment option after selecting the language option
 Customer needs to select the Bill category (Electricity, water, prepaid, postpaid etc.) from the icons
and selects the Biller.
 Customer has to enter the required information like unique bill number, mobile number, amount
 System will validate the information entered by the customer and ask for Payment.
 On clicking Pay button, it would ask to choose the option of Debit Card/ Internet Banking.
 On click in Net Banking, icon customer needs to login with net banking credentials and pay the
amount.
 On clicking Debit card icon, customer need to dip the card in card reader and enter the PIN
 On success/failure of the payment, machine would display appropriate message on the screen and
customer gets the receipt.
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Browser based Internet Banking
Net banking is based on secure web browser/ with interactive UI same as Baroda Connect. Non cash /
Enquiry services including Balance enquiry and Mini Statement
A-Balance Enquiry
The customer will select view balance option under the Banking services. It would ask to swipe the card
for authentication, thereafter, it will display the balance available in primary account and allow taking a
print if desired by the customer.
B-Mini Statement
For mini statement, the customer will select the mini statement option under the Banking services. It would
ask to swipe the card on machine for authentication, thereafter, it will display the last eight transactions
held in primary account and allow to take a print if require.
21.5 SMS Banking/Missed Call Facility
Weblink: https://www.bankofbaroda.co.in/missed-call-facility.htm
A SMS to be sent from their registered mobile number to 8422009988

Services offered are:
 Balance Enquiry
 Mini Statement
 Cheque Status
Customer has to send a SMS text as under:

1 For Balance enquiry - BAL <space> last 4 digit of account number
2 For Mini statement - MINI <space> last 4 digit of account number
3 For Cheque status - CHEQ <space> last 4 digit of a/c no <space> cheque no.
4 For Aadhar seeding - 12 digit aadhar number <space> last 4 digit of a/c no
For Registration of preferred
5 account REG <space> last 4 digit of a/c no <space> cheque no.
BLOCK<space>C<space> Last Four Digit of Card Number or
6 Debit Card Blocking BLOCK<space>A<space> Last Four Digit of Account Number
7 Subscribe or Unsubscribe ACT/DEACT<space> Last Four Digit of Account Number
8 PMJDY OD Request ODREQ <space> Y
9 PMJJBY /PMSBY Enrolment PMJJBY/PMSBY <space> Nominee Name <space> Y
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Learnings –
 Basic of of Baroda Elobby
 Benefits and features of Baroda Elobby
 Use of Different machines in Baroda Elobby
Baroda Elobby
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Chapter 22
Learning Outcome

 To know 
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Missed Call facility for ―Balance Inquiry
Customers, who have registered their mobile number, can get balance of their accounts by just giving
a missed call from their registered mobile number to mobile number 8468 00 1111 for
Account Balance & 8468 00 1122 for Mini Statement .
Salient features of the facility are as under:-

 This facility is available 24X7.
 Balances of account under Saving, Current, Cash Credit and Overdraft schemes are
provided through this facility.
 Customer may have more than one account with same mobile number. In that case SMS of
maximum length of 320 characters (2 SMSs) will be sent to customers. For remaining accounts,
customer can avail the ―SMS Banking Services or our Contact Centre services.
 Customer can use this facility maximum ―5 times in a day, system will not respond thereafter.
 This service is available only for resident accounts i.e. accounts with domestic mobile
 Customers do not have to pay any charges as the call would be disconnected after a ring and
customer would get the balance via SMS
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Chapter 22
Learning Outcome

 To know 
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Contact Centre
Contact Center is a delivery channel which bridges the gap between the technology and customer and
provides benefits of technology to customers. Its aim is to provide most of the banking services through
telephone channel, with the help of technology, thereby improving convenience to the customers. Bank
has established Contact centre at GIFT City Gandhinagar.
Contact Centre Numbers
 Toll Free Number 1800 22 33 44 or 1800 102 44 55 from anywhere in the country and
services available in Six Indian languages viz. kannada (Code-3), Tamil( Code-4),
Telugu(Code-5), Malayalam (Code-6), Hindi (Code-2) & English (Code-1 )
 The dedicated toll free number for providing contact centre services for Financial Inclusion
/ Pradhan Mantri Jan Dhan Yojana (PMJDY) customers is 1800 102 77 88
Availability of Contact Centre Services:
Services through IVR by using TPIN Round the Clock

Services through Agent
 Hot listing of Debit Card Round the Clock
 Web-chat facility Round the Clock
 All other services except others 6 a.m. to 10 p.m.
Services Provided:
1. Through Agents:
 Account Enquiry of linked Accounts
 Balance Enquiry
 Statement
 Transaction Status
 Cheque Services in operative Accounts
 Stop Payment
 Status Enquiry
 Cheque Book request
 Debit Card Services

 Blocking of Card
 Request for regeneration of PIN
 Request for reissuance of Debit Card
 Complaint of Debit Card Failed transaction
 Baroda Connect
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 Help Desk
 Activation of Password
 Regeneration of password
 Complaint on failed transaction
 Mobile Banking
 Registration of Mobile Banking Services
 General Queries
 Resend link / PIN
 General Enquiry
 Products & Services
 Branch & ATM Location
 Interest Rate and Forex rates
 Lead creation
 Wealth Management Product
2. Through IVR (Interactive Voice Response):

 Account Information –Transaction details, Statement through e-mail
 Cheque Related Service – Cheque Status, Stop payment of cheque, Cheque book request
 Change TPIN
 Loan and Deposit Account Services – Loan account inquiry, Loan account statement request,
Deposit account inquiry
 General Information Menu – Deposit & Retail Loan ROI, Forex rates, Branch/ ATM locator.
3. Through web-chat:
 This service is only for general queries and any information which requires disclosure of any
personal / account information is not provided through this service.
 Presently this service is available in English only.
 Weblink: https://www.bankofbaroda.co.in/contact-centre.htm
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Our Core
Values
Integrity - We are ethical and transparent in our

words, actions and dealings with all stakeholders
Customer Centricity - Our customers’ interests lie

at the core of all our actions
Courage - We are resilient in the face of adversity

and having faith in our beliefs
Handbook
Passionate Ownership - We display energy,
enthusiasm and commitment towards our Bank
and we work together for the Bank.
Innovation - We create value through new ideas
Excellence - We strive for continuous

improvement in our policies, systems and
processes.

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Handbook

 Understanding the basic idea of Baroda Connect.

1.1 Introduction of Baroda Connect

1.2 Country wide launch

Ba oda Co e t usto e s a e lassified i t o atego ies i Retail ii Co po ate

Baroda Connect – Retail

Baroda Connect – Corporate

1.3 Important benefits to our bank and our customers:

 Baroda Connect was launched in 2006.

2. Bharat Bill Payment System(BBPS)

 Understanding Bharat Bill Payment System

2.1 A National importance

b) Other Bank customers - i.e. usto e s aki g pa e t th ough othe Ba k s

a) Fo Ba k s Custo e , ill pa e t th ough Ba oda Co e t, Ba oda M-Connect plus,

2.3 USP of Bharat BillPay

2.4 Secured Bill Payment Platform

2.5 Usage (How to use it?)

3. BHIM AADHAR BARODA PAY

 Understanding BHIM Aadhar Baroda Pay

3.3 Steps to follow before going Live

3.5 Benefits for Merchant and Customer

3.6 Charges for the merchants for using BHIM-Aadhaar-BOB

3.7 Incentives of Using BHIM Aadhaar Pay

 In a day – Minimum – Rs. 2 /-, Maximum – Rs. – 50 /-

4. BHIM Baroda Pay (UPI)

 Understanding BHIM Aadhar Baroda Pay

4.1 Key features of BHIM Baroda Pay, UPI application

4.3 Services Available:

4.4 How to send Money on BHIM Baroda Pay:

4.5 How to Collect Money on BHIM Baroda Pay:

4.6 Transaction Limits:

 Minimum transaction value should be Rs. 100/-

BHIM Baroda Pay  The incentive will be paid for maximum 20

BHIM Baroda Pay  Minimum transaction value should be Rs.10/-

>=50 but less

> than 100 Rs. 250/-

(Unique Transaction – O l the fi st t a sa tio he e A t a sfe fu ds to B , se o d t a sa tio

The details of incentive for Merchants are as follows:

Me ha ts a also use this app egiste i g ith I a a Me ha t optio a d a e eligi le fo i e ti e

Sr. No of credit Incentive Amount

 Minimum transaction value should be Rs. 25/-

 Understanding Baroda e-Gateway

Power your business online with our Secure Payment Gateway

5.1 Product profile

5.2 Security Features

5.3 Benefits of Internet Payment Gateway

5.4 Target Customers

 Usage of Baroda E-Gateway

6. Baroda M-Connect Plus

 Understanding Baroda M-Connect Plus

6.3 TRANSACTION LIMITS

Circular Number Date Subject

The Baroda M-Connect plus Express: a monthly e-magazine on

7. Baroda Gift Card

 Understanding Baroda Gift Cards

A GIFT FOR EVERY WISH

7.2 Features of Gift Card

7.3 Baroda Gift Card – In Brief

7.4 Prepaid card can be issued to anybody with a

7.5 Baroda Gift Card –Important Information

8. Baroda Travel Easy Card

 Understanding Baroda Travel Easy Cards