The service covers credit and merchant appraisals of all types of business ventures, including infrastructure projects, and can assist with loan syndication or feasibility/viability consultation for existing or proposed projects. No minimum turnover, project size or promoter criterion is published.
Value awaiting review
The service is delivered by Bank of Baroda’s specialised corporate-banking appraisal team
customers can contact the Bank through its corporate banking service/nearest branch. The page publishes no separate digital application channel.
The reviewed corporate-banking page publishes no state, country or territory restriction for appraisal, syndication or consultation services.
Integrated savings, demat and trading account arrangement: the savings account is maintained with Bank of Baroda, while demat and trading accounts are opened and maintained by wholly owned subsidiary BOBCAPS Ltd.
Existing Bank of Baroda savings-account holders can start the demat and trading account journey
the page also provides digital opening for resident Indian individuals aged 18 or above who do not already have a Bank account.
The Bank of Baroda page does not publish a numeric fee or brokerage schedule for the 3-in-1 account
it directs customers to BOBCAPS for brokerage plans and other offers.
The current Bank page provides Open Now, Download Form and Request Callback routes, and directs brokerage plans and offers to BOBCAPS. BOBCAPS provides online account opening, online trading login, a retail-broking platform and call-and-trade support.
Available in India through Bank of Baroda and its wholly owned BOBCAPS subsidiary, subject to account-opening and depository-participant requirements.
Omni-channel cash-management and connectivity solution for corporate and government customers, combining internet banking, host-to-host SFTP, , cash management, payment, receivables and liquidity tools.
The service is designed for Bank of Baroda corporate and government customers that need cash-management, payment, receivables, liquidity or system-integration capabilities. The page publishes no minimum turnover, account balance, transaction volume or other numeric threshold.
No fixed onboarding, transaction, platform, cash-pickup or integration fee is published on the reviewed current Baroda DigiNext page
applicable commercial terms must be confirmed with Bank of Baroda.
Corporate clients can use the DigiNext internet portal, host-to-host SFTP for secure system-to-system file exchange, or Banking for real-time transaction initiation and reconciliation.
Baroda DigiNext is supported by Bank of Baroda’s pan-India branch network. Corporate clients can use the DigiNext internet portal, host-to-host SFTP or Banking
the page publishes no state or territory exclusion.
Bank of Baroda and other-bank customers paying bills or recharging services, plus service providers and billers collecting repetitive payments through Bharat Connect.
Digital-channel bill payments are free. At a Business Correspondent point, the charge is ₹2 plus in addition to the bill amount, except DTH, credit-card and -gas biller categories.
Bank of Baroda supports Bharat Connect through bob World, bob World Internet, Bank Mitra Kendra/Business Correspondent point, and bob e-pay for Bank and other-bank customers.
Bharat Connect provides interoperable bill payment access across India through physical and digital channels, with 24×7 bill payment and recharge availability stated by Bank of Baroda.
Android merchant application for over-the-counter payments directly from a customer's Aadhaar-linked bank account using Aadhaar authentication and biometrics.
Merchant must maintain a Bank of Baroda current or savings account linked to Aadhaar, use an STQC-certified biometric reader, and have an internet-enabled Android 9+ smartphone/tablet with OTG support and enough power for the reader.
Value awaiting review
Merchants use the Aadhaar Baroda Pay Android app with an STQC-certified biometric reader connected to an Android 9+ phone or tablet with OTG. Onboarding is started in the app, followed by an application form and merchant agreement
the Bank processes registration through its regions/zones.
Aadhaar Baroda Pay is offered to retail merchants and vendors with a Bank of Baroda current or savings account linked to Aadhaar
customers may pay from Aadhaar-linked accounts at other banks. The page publishes no state, country or territory restriction.
bob इ Pay app with domestic payments, bill pay, recharges, AutoPay, RuPay credit-card linking, merchant collections and international Global and foreign-inward-remittance features.
Individuals, merchants, corporate merchants and with eligible or accounts
Global is available in nine countries and domestic payments require an Indian mobile number and use within India.
Merchant Discount Rate () is stated as nil for the listed merchant solution. Global is described as having minimal transaction fees and competitive forex rates
no fixed numeric international fee is published on the reviewed page.
Android/iOS mobile app with scan-and-pay, /, contacts, bank accounts, RuPay credit cards, Tap & Pay, AutoPay, merchant /web/mobile/offline collection and international payments.
Global is listed in nine countries. Foreign inward remittance can be sent in SGD to a shared and credited directly in
Corporate mobile banking application and dedicated web portal for retail merchants, traders, and mid-sized corporates, including bulk payments, approvals, account services and term-deposit opening.
Current accounts (excluding , and individual current accounts), overdraft and cash-credit accounts with a corporate are eligible. Savings, loan and term-deposit accounts are not supported
dormant, inoperative, minor and illiterate-account profiles are also excluded.
Value awaiting review
Customers use the bob World Business mobile application or dedicated web portal. Registration is initiated through the app and completed with base-branch documents and an activation key sent to registered mobile numbers
fund transfers include own-account, within-bank, , , and Quick Transfer, while bulk transfers use the web portal.
The service is delivered through Bank of Baroda business accounts and the mobile/web platform
the official page publishes no state, country or territory exclusion.
Retail Central Bank Digital Currency () wallet for India’s digital rupee (e₹), supporting person-to-person and person-to-merchant payments, with an official cashback drive.
For the published drive, the customer must not have transacted in the app during the 30 days preceding 30 June 2026, then complete at least five successful P2P/P2M transactions of ₹50 or more during the drive. The top-250 reward requires at least 10 qualifying transactions.
The published drive offers ₹25 cashback once per eligible customer after five successful ₹50-or-more transactions
the top 250 customers also receive ₹100 after at least 10 such transactions. No separate wallet fee is published on the reviewed page.
bob World Digital Rupee wallet and -based P2P/P2M transactions through the Bank of Baroda digital-rupee application.
The digital rupee is India’s -issued legal tender for the retail segment and is held in an e₹ wallet issued by participating banks, including Bank of Baroda.
Online payment acceptance for businesses and institutions through debit/credit cards, (/), wallets and net banking via an aggregator covering 50+ banks.
Any corporate, society or organisation with a functional website, or intending to launch one, to sell products/services and accept online payments
the bank may reject an applicant. Businesses without a website or IT infrastructure can use Baroda Paypoint instead.
The merchant agreement contains the agreed fee structure and settlement terms
the current official page describes a low transaction fee but publishes no fixed rate, percentage or setup amount.
Merchants can accept debit and credit cards, through or code, wallets and net banking through an aggregator of 50+ banks. Baroda PayPoint provides a web/mobile online and offline collection route for businesses without a website or technical team
host-to-host configuration, dashboards and reports are also supported.
The gateway is offered to eligible corporate, society and organisation merchants
the page publishes no state, country or territory restriction. It accepts plus nine foreign currencies, with merchant settlement in .
Professionals, sole proprietorships, partnerships/, public limited companies/, private limited companies, associations/trusts/clubs/societies and NGOs/charitable trusts.
Value awaiting review
Merchants can accept debit, credit and prepaid cards plus on Bank of Baroda-partnered Android, GPRS and pocket terminals. Digital onboarding with e-sign and e-stamp is available, and dynamic , tap-and-pay, barcode/IMEI scanning and integrated billing are supported.
The service is offered to the listed professional, business, company, public-sector, association, trust and NGO merchant types through Bank of Baroda branches and digital onboarding. The page publishes no state, country or territory restriction.
Assisted tablet-based digital onboarding platform for paperless Savings, Current, and Self Help Group account opening, plus bundled banking, card, insurance, merchant and loan services.
The live-tab list covers individual/sole-proprietor and partnership/company current-account schemes, and schemes including Self Help Group-General and -Women Empowerment Programme.
The reviewed bob World Tab page describes digital onboarding and bundled services but does not publish a separate Tab platform fee or charge schedule.
Branch-assisted tablet onboarding supports Aadhaar plus , Aadhaar plus biometric and Registry search/download. Bundled routes include bob World, internet banking, alerts, statements, personalised debit card and cheque book, WhatsApp registration and additional digital products.
bob World Tab is Bank of Baroda’s branch and customer onboarding platform in India, covering listed Savings, , Current and schemes available through Tab Banking.
Eligible modes include specified savings-account mandates (Either or Survivor, Self, Anyone or Survivor), self/sole-proprietorship current accounts and self-operated overdraft accounts, subject to the listed account schemes.
Value awaiting review
Order and activate the wearable through the Bank of Baroda branch route described on the page
the bob World app is the stated digital companion, with additional digital channels described as forthcoming. Payments then run at -enabled point-of-sale terminals, including e-commerce through the supplied reference card with and .
The contactless chip is accepted at Mastercard, Visa and RuPay point-of-sale terminals in India and overseas
the page does not publish a narrower state, country or customer-territory restriction.
Bank of Baroda Visa, Mastercard and RuPay debit-card holders can set recurring e-mandates on -compliant merchant platforms for telecom, , insurance and utility payments
the card must be valid and in good standing.
Without additional-factor authentication, recurring payments are permitted up to ₹5,000 or another limit notified by the Reserve Bank of India. Above ₹5,000 or the cardholder-set mandate limit, the bank sends an notification at least 24 hours before the due date and processes payment only after timely approval. The reviewed product page separately states that Bank of Baroda charges no fee for the e-Mandate facility.
Set up the mandate at a compliant merchant website or mobile application
delete or modify it through the merchant platform or Bank of Baroda mobile-application pre-login section, with other bank channels potentially added later. Disputes may be raised through the CRM portal, branch or call centre.
Available for Bank of Baroda debit cards issued in India, at merchant platforms compliant with applicable Reserve Bank of India recurring-payment rules.
The secure portal is intended for auditors to obtain a digital balance confirmation directly from Bank of Baroda in an -approved format.
No fee is stated on the accessible Digital Balance Confirmation Services page. The page links a DBCP Information , but that endpoint returned a fetch/cache-miss during the 30 August 2026 review, so any fee in the linked document remains unconfirmed.
Value awaiting review
The service is delivered through Bank of Baroda’s secure portal for auditors to obtain balance confirmations directly from the Bank
the accessible page publishes no state, country or territory restriction.
Export finance (pre-shipment packing credit and post-shipment export-bill purchase/discounting), export-bill collection, export-letter-of-credit advising and confirmation, and the Exporter Gold Card working-capital package.
Exporters, including exporters for whom the page provides an online export-credit application route.
Published export tariffs (exclusive of ): foreign-currency or rupee export-bill purchase/discount/negotiation ₹1,000below USD 25,000 equivalent and ₹1,500 at or above it, plus ₹100 for each additional shipping bill
forwarding documents to another bank ₹1,000 per bill plus ₹100 per additional shipping bill
reimbursement under an ₹500 per claim
export-bill collection ₹250up to USD 5,000 equivalent, ₹750 for USD 5,001–25,000, and 0.0625%above USD 25,000 capped at ₹2,000, plus ₹100 per additional shipping bill
merchanting export ₹3,000 per bill
overdue export bill ₹500 per bill per quarter
advance export remittance ₹200
export certificate ₹100
NOC for discounting ₹1,000 per bill
export/import set-off ₹1,000 per shipping bill
due-date extension is nil up to 270 days and ₹1,000 beyond
GR-waiver certificate ₹500
write-off is nil against bank charges or self-write-off and ₹1,000 per shipping bill in other cases
late document submission ₹100 per shipping bill after 30 daysup to 3 months and ₹500 beyond 3 months
crystallisation ₹1,000 per bill
advising ₹1,000 for Bank of Baroda clients and ₹2,000 for other-bank clients
advising amendment ₹600
export confirmation is 0.25% for the first quarter plus 0.15% per month thereafter (minimum ₹1,500) for sight, or 1.5% p.a. for usance (minimum ₹2,000), with separate slabs above ₹5 crore
transfer ₹1,000 per transfer/amendment.
exporters can apply online for export credit. Export-bill collection is available through more than 200 authorised-dealer branches in India and the bank's worldwide correspondent network.
Export-bill collection is offered through more than 200 authorised-dealer branches in India and a worldwide correspondent network
the page publishes no narrower customer-territory restriction.
Import bills under collection, import letters of credit at sight or usance, (Usance Payable at Sight) letters of credit and trade credit through standby letters of credit (SBLC).
Indian importers and Bank of Baroda customers using import bills, import , or SBLC-backed trade credit. The page does not publish a narrower customer-segment restriction.
Published import tariffs (exclusive of ): import sight commission 0.35% for the first quarter plus 0.15% per month thereafter
usance commission follows external-rating bands of 0.75% p.a. for AAA/A1+ or fully government-guaranteed, 1.00% for /A1, 1.25% for A/A2, 1.50% for BBB/A3 and 2.40% for BB-and-below/A4-and-below/unrated, with ₹2,000 minimum and an additional 0.40% p.a. when value exceeds ₹5 crore
100% cash-security are charged at 25% of the card rate
amendments ₹1,000
deferred-import commission 0.25%, 0.18% or 0.10% per quarter by amount slab (up to ₹1 crore, above ₹1–5 crore, above ₹5 crore)
shipping guarantee ₹1,000 under an or 0.05% per month outside an (minimum ₹1,000)
import-bill crystallisation/retirement 0.125% with ₹1,000–₹25,000 limits where exchange benefit accrues or 0.25% with ₹1,000–₹30,000 limits without it
non- import bill 0.15% with ₹1,000–₹25,000 limits where exchange benefit accrues and 0.30% with ₹1,000–₹50,000 limits without it
delivery order ₹1,000
advance import remittance 0.15% (₹500–₹10,000) with exchange benefit or 0.20% (₹1,000–₹15,000) without it
import/export set-off ₹2,000 per bill
overdue custody ₹500 per bill per quarter
BOE follow-up ₹1,000 after the 180-day/90-day deadlines
merchanting import ₹3,000 per bill
counter-signing/co-acceptance/availisation 0.085% per month subject to 0.25% minimum.
Import-bill collection is routed through more than 220 authorised-dealer branches in India and Bank of Baroda's worldwide correspondent network. may be opened in favour of Bank of Baroda overseas branches or other banks
trade credit is funded by overseas branches through an SBLC.
Import-bill collection is available through more than 220 authorised-dealer branches in India and a worldwide correspondent network. Import and related facilities connect Indian buyers with overseas sellers
/Bharatkosh provides a one-stop service for depositing government fees, fines and other non-tax money into the Government Account.
Customers depositing government fees, fines or other money into a Government account through the Non-Tax Receipt Portal (Bharatkosh).
No collection fee or customer charge is published on the reviewed current page.
Payment is made through Bank of Baroda’s Internet Payment Gateway (Baroda e-Gateway) available on the Bharatkosh Portal. The Bank also settles collections as an accredited bank with for its accredited Ministry.
The page publishes a nodal branch at Nirman Bhavan Branch, New Delhi, and describes settlement with for an accredited Ministry
no customer state or territory restriction is published.
Programmable is -issued legal tender with rules that can restrict or control where, how and when digital rupee is spent, including merchant categories, specific merchant , geography and expiry.
Eligible users include Bank of Baroda savings accounts (including zero-balance accounts, with listed exclusions), eligible current accounts and specified overdraft schemes, using self or permitted joint/sole-proprietorship operation modes.
Value awaiting review
The published use cases use the bob World Merchant Application for creating and managing merchant discount offers and the bob Merchant App for registered merchants. User-level programmable can be disbursed to any bank’s customer with a defined purpose.
The service is described as an -regulated digital rupee and an interoperable ecosystem
programmability can target merchant categories, merchant , locations and expiry. The page publishes no state, country or customer-territory restriction.
The page currently describes access only for in Oman through authorised GMEC branches
it does not establish availability in other countries.
The exchange company controls its live authorised-branch list, acceptable biller categories, onboarding, exchange rate, fees, limits and required evidence.
The page was last updated 11 July 2024
confirm that GMEC participation and the requested Indian biller remain active before paying.
Value awaiting review
in Oman visit an authorised GMEC branch
GMEC publishes authorised branches and acceptable biller categories on its website
current page lists Global Money Exchange Company in Oman as the onboarded exchange company and directs in Oman to its authorised branches
Indian biller-category availability varies
Green marks the most favourable compatible published number or range in each column; incomparable units and overlapping range trade-offs remain neutral. It does not account for eligibility, service, exclusions or personal suitability.
Baroda DigiNext Cash Management ServicesBank of Baroda
