Bharat Connect

Bharat Connect, formerly known as Bharat Bill Payment System (BBPS), is an integrated bill payment system in the country offers interoperable and accessible bill payment services to customers through a network of agents, enabling multiple payment modes and provides instant confirmation of receipt of payment.

It is an RBI conceptualized ecosystem driven by NBBL (NPCI Bharat Bill Payment Ltd), a wholly owned subsidiary of NPCI. NBBL functions as an authorized Bharat Bill Payment Central Unit (BBPCU). Authorised Banks/ Non-Banks are the Operating Units (OUs) under Bharat connect.

BBPS covers all categories of payments:

Electricity, Gas (LPG & Piped Gas), Water, DTH, Cable, Telecom (Landline, Broadband, Postpaid), Mobile Pre-paid, Municipal Taxes, FASTag recharge, NCMC recharge, Loan repayment, Credit card, Insurance, Recurring Deposit, Education Fees, Subscriptions, Hospital & Pathology, Donations, Clubs & Associations, NPS, Rent etc.

Our Bank in BBPS:

Our Bank has been certified as both Customer Operating Unit (COU) and Biller Operating Unit (BOU) by NPCI. Bank has on-boarded Billers on BBPS systems under various categories such as Electricity, Telecom Post-paid, Insurance, FASTag, Credit Card, Loan repayment and Municipal Taxes and Services.

Customer Operating Unit (COU):

Bank/Non-Bank facilitates bill payments through various channels/mode of payments to customer/non-customers.

Biller Operating Unit (COU):

Bank/Non-Bank facilitates billers in collection of their bill payments made through various COU channels.

• Accessible: Single point access to all billers on all payment channels (Physical and Digital)
• Standard Process: Standard Interface and Consolidated reports
• Interoperable: Consumers can pay the bills of any biller at a single point and facilitate payments via multiple modes
• Brand Connect: Assures trust and confidence amongst consumers for the certainty, reliability and safety of the transaction
• Integration: Single integration and one point access
• Cost Effective: Has the potential to reduce the expenditure that billers incur on collection of bills at their own collection centres.
• Furnishes instant confirmation of payment made via a payment receipt/confirmation message. The receipt could be in the form of SMS/ email/ print out as desired by the customer
• Complaint Management: Standardized complaint management managed by NPCI/NBBL.

Bank of Baroda provides bill payment services to both Bank of Baroda and other bank customers through:

• bob-World (Mobile Banking)
• bob World Internet (Internet Banking)
• Bank Mitra Kendra (Business Correspondent Point) through Financial Inclusion Gateway.
• BHIM UPI (UPI app of NPCI).

For own customers and other bank customers through:

• bob ई pay (BOB UPI application)

Service providers (billers) from Bharat Connect approved categories who collect repetitive payments from customers can avail Bharat Connect service through Bank of Baroda.

For customers:

• Bharat Connect provides interoperability so that consumers can pay bills of any biller at a single point with its widespread network leading to easy accessibility.
• It facilitates payments via multiple modes i.e. Net banking, Mobile banking, UPI app, Bank Mitra Points, etc.
• Instant confirmation of receipt of payment in the form of SMS/email/print out.
• Bharat Connect brand assures trust and confidence amongst consumers for the certainty, reliability, and safety of the transaction.
• 24x7 anywhere utility for bill payments & recharges.
• Nil Charges for bill payments through Digital Channels whereas only Rs.2+GST is applicable for bill payments at Business Correspondent (BC) point (excluding DTH, Credit Card and LPG gas biller categories) in addition to the bill amount.

For billers:

• Single integration. No need to integrate with multiple banks/organizations.
• Wider reach through multiple channels and payment modes.
• Improved liquidity due to faster payment collection.
• Reduced investment.
• Lower transaction cost.
• Trusted Platform
• Secure system

Any complaint regarding product/service or Bharat Connect bill payment transaction status or receipt can be lodged through following modes:

• BOB CRM portal (https://bobcrm.bankofbaroda.co.in/onlinecomplaint).
• Complaint portal of respective channel (only for those successful transactions where customer didn’t receive services/bill not updated by using transaction reference ID starting with “BB01”).