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Programmable -

BoB Programmable brings automation to digital rupee payments. Set payment rules, automate transactions, and use secure -backed digital currency. Experience next-gen banking from Bank of Baroda. Try Programmable today!

Service typeDigital payment serviceEligible CBDC-linked accountsEligible 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.ChannelsThe published use cases use the bob World Merchant Application for creating and managing merchant discount offers and the bob Merchant App for registered CBDC merchants. User-level programmable CBDC can be disbursed to any bank’s CBDC customer with a defined purpose.
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Quick eligibility check

Programmable -

0 of 1 answered

Answer what you know. This guide compares your answers with the criteria published for this product; it is not an approval decision. Your answers stay on this device.

1Do you meet this requirement: 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?

Published source: Eligible CBDC-linked accounts
0 of 1 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 30 Aug 2026 · active
Offered byBank of Baroda

India; eligibility, branch and channel availability follow the official product terms

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

Purpose-bound digital rupeeProgrammable CBDC is RBI-issued legal tender with rules that can restrict or control where, how and when digital rupee is spent, including merchant categories, specific merchant IDs, geography and expiry.View source
The official user-level page describes purpose-bound transfers and the four programmable parameters.
Source
User level Programmability
Page / section
Features
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
Eligible CBDC-linked accountsEligible 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.View source
The official eligibility table publishes account types, exclusions, schemes and operation modes.
Source
User level Programmability
Page / section
Eligibility Criteria
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
CBDC interoperabilityUsers can send purpose-bound digital rupee to CBDC users of Bank of Baroda or other banks, with on-us and off-us transactions across the CBDC ecosystem and interoperable wallet providers.View source
The official page describes on-us/off-us transfers and cross-bank interoperability.
Source
User level Programmability
Page / section
Overview / Features
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
Programmable CBDC feeThe user-level programmability page lists fees as nil.View source
The official fees section states Nil.
Source
User level Programmability
Page / section
Fees Charges
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
ChannelsThe published use cases use the bob World Merchant Application for creating and managing merchant discount offers and the bob Merchant App for registered CBDC merchants. User-level programmable CBDC can be disbursed to any bank’s CBDC customer with a defined purpose.View source
The official page names the bob World Merchant Application and bob Merchant App, and describes disbursement to any bank’s customer.
Source
Programmable
Page / section
User level Programmability / Interoperable Merchant Discount Voucher / Merchant Loyalty Cashback Program / bob Merchant App
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
AvailabilityThe service is described as an RBI-regulated digital rupee and an interoperable CBDC ecosystem; programmability can target merchant categories, merchant IDs, locations and expiry. The page publishes no state, country or customer-territory restriction.View source
The page defines programmable as -issued legal tender and describes interoperability plus location-aware merchant rules without publishing a territory boundary.
Source
Programmable
Page / section
Overview / Merchant Loyalty Cashback Program
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Service typeDigital payment serviceView source
The manually reviewed product record states: “Programmable - ”.
Source
Programmable - — official product page
Page / section
Published product metadata
Accessed
15 Aug 2026
Confidence
high
Open official source ↗

Benefits and features

  • 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.

Eligibility

  • 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.

Passing a listed condition does not mean the bank will approve an application.

Related official documents

Programmable CBDC — official product pageofficial-product-page · current · accessed 30 Aug 2026
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User-level programmability · Published detailDisbursement of programmable to any bank’s customer with a defined purpose

This value is copied from Programmable — published channels and use cases. Check the table notes before relying on it.

Source: Programmable · User level Programmability / Interoperable Merchant Discount Voucher / Merchant Loyalty Cashback Program / bob Merchant App Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 5 rows · 2 columnsProgrammable CBDC — published channels and use casesOfficially listed programmable-digital-rupee channels and controls.View tableHide table

Scroll sideways to view every column

Programmable CBDC — published channels and use cases
Use casePublished detail
User-level programmabilityDisbursement of programmable to any bank’s customer with a defined purpose
Merchant discount vouchersCreate/manage offers via bob World Merchant Application; interoperable issuance and redemption
Merchant loyalty/cashbackRules can target merchant categories, merchant , location and expiry
Merchant channelRegistered merchants use bob Merchant App, available through Play Store
TerritoryInteroperable ecosystem; no country/state restriction published
Programmable · User level Programmability / Interoperable Merchant Discount Voucher / Merchant Loyalty Cashback Program / bob Merchant App · accessed 30 Aug 2026Open official source ↗

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