Mobile Number in account will be Mandatory for the issuance of Personalized Cheque Book
Bank announces Financial Results for Quarter ended, 30th September 2025.
As an enhanced security measure, our official Corporate Website has migrated to a new domain : https://bankofbaroda.bank.in
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Bank of Baroda deposit plans offer convenient solutions to both working individuals as well as senior citizens. These deposits are categorised into deposits with a term period of less than 12 months, more than 12 months and recurring deposits.
An account for all. B3 Silver Account comes with maximum savings and zero Quarterly Average Balance (QAB). Also, make the most of coins and annual offers from Loyalty Rewardz to fulfill yearlong subscriptions and shopping.
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Bank of Baroda focuses on its employees, offering a career rather than just a job. Various initiatives are in place to groom employees throughout their life cycle. A comprehensive talent management system to groom future leaders of the bank.
Bank of Baroda offers various types of personal banking cards such as Credit, Debit, Prepaid, Business & Travel Cards. Choose the one best suited card for your needs.
Your Gateway to Digital Payments with a feature Phone
Dial 080 45228222
bob इ Pay|123PAY is a service that enables digital payments on feature phones, addressing the gap in financial inclusion for people who do not have access to smartphones or the internet.
Dial 080 45228222 from your registered mobile number in your bank account and . avail send money and balance enquiry services on your feature phone as well as .
on smartphones.To get started, simply make a secure call to the above-mentioned number and complete the UPI onboarding process.
As per UPI guidelines.
Self-registration by dialling bank’s IVR number.
NIL
As per UPI defined MITC.
Hindi and English
Note: The Bank may use the services of agents in sales/marketing etc. of its various products. The agents may call the customers to increase the Digital awareness and Digital adoption.
Frequently Asked Questions (FAQs)
Unified Payments Interface (UPI) is a payment system developed by National Payment Corporation of India (NPCI). It is a platform where accounts maintained with different banks can be added and transactions can be done through these accounts. UPI allows you to transfer money between any two parties via smart phone through a payment identifier like virtual payment address, Account number with IFSC and UPI number.
A Virtual Payment Address (VPA) is a unique identifier used in the UPI system to facilitate secure and seamless transactions. It acts as a digital alias for your bank account, eliminating the need to share sensitive details like your account number and IFSC. You can use it to send or receive money without revealing your account details.
Note: Every VPA created should be linked with at least one account number.
Any Bank, which is live on UPI, customer whose mobile number is registered (mobile number active for SMS service) with their accounts. While registering for bob इ Pay, please ensure you have following:
Step 1: Download the app from Google Play Store or Apple App Store.
Step 2: For dual SIM users, select registered mobile number and enter the same (Standard SMS rate will be charged)
Step 3: Confirm mobile number and Enter details (Name, Last name, Email etc.) and Set a Virtual Payment Address (VPA) also known as UPI ID
Step 4: Set 4-digit login PIN and set Security Question and Answers
Step 5: Login with 4 Digit login PIN and Add Bank Account
Step 6: Create UPI PIN using debit card linked to your bank account and enjoy UPI facility seamlessly
Note: Kindly ensure sufficient balance in your number for deducting SMS charges for mobile verification.
Any 4 digit number can be set as Login PIN. Along with Login PIN you have to set one security question and answer (QnA) which will be required in case you forgot the Login PIN.
After successful registration with UPI, click on Add accounts option available in Account Management. Choose your Bank from the list in which the mobile number is updated. Application will fetch the eligible account number link with the same mobile number.
UPI PIN is a second factor authentication i.e. 4 or 6 Digit transaction PIN which is required to authorize financial and non-financial transactions. Debit Card is mandatory for Setting UPI PIN. UPI PIN can be set by entering last 6 six digits of debit card and expiry date along with OTP delivered to your registered mobile number from issuer bank.
Note: For Bank of Baroda users, length of UPI PIN is “four”, however length may vary for other bank account holders as per their bank PIN policy.
Using the active debit card, you can set the UPI PIN only for the account linked to the card. In case of card is not linked to account, please contact your branch. Card may have expired, or it is de-linked.
The reasons may be:
Account will be blocked for 24 hrs. After 24 hrs account will be unblocked. In case, if you enter wrong UPI PIN for more than 3 attempts again, the account will be permanently blocked. You have to regenerate New UPI-PIN by using your debit card credential along with OTP sent by issuer bank.
To set or reset your UPI PIN through the bob इ Pay application, follow these steps:
In this case, click on forgot Login PIN, option is available on the login page.
Now, on the next screen you will be asked to enter:
If u forgot answer for the security question you have set, please follow below mentioned steps:
The different ways for transferring funds using UPI are:
Scan and Pay is a feature that allows users to make payments by scanning a QR (Quick Response) code. This method enables instant and secure transactions without the need to enter bank details or payment identifiers manually.
You will have to scan QR code through your bob इ Pay application, after scanning the QR all details of beneficiary will be displayed on your UPI app and payment will be made once you click the pay button and approve the payment by entering UPI PIN.
You can receive/collect payment through Virtual Payment Address and by generating QR code.
You will receive notification in the bell icon available at the top right on the Home page. You can select one of the following three options once you receive the notification.
Yes, you can set the expiry time. You can set an expiry time from 30 Mins to 45 days, from the date of initiation of the transaction.
You can see your past transactions under ‘Transaction history’ option available on home page.
You can go to the option De-register available in side-menu. However, once de-registered you cannot register with same Virtual ID. You need to proceed with fresh registration, if once de-registered.
UPI provides for real time reversals for declines and amount would be transferred back to the payer account immediately. In case the amount is not reversed immediately, you can contact your bank for the same.
In case of change in sim/mobile/application of the PSP, customer would require to re-register themselves for UPI.
You need to check all the beneficiary details carefully while making any transaction. In case if any such error occurs, you can raise complaint from the Application itself through the option Complaints. Also, please read terms and conditions section of the application. In case of failed transaction, amount will be refunded to the account within 7 working days.
You need to check all the beneficiary details carefully while making any transaction. In case of failed transactions of Recharge money will be refunded to account on T+1 basis (T is date of transaction) and for Bill payment T+5 basis (T is date of transaction). Please read terms and conditions section of the application.
Yes, if any UPI transaction is not completed due to some technical or business reason, the reversal of the remitter’s funds will happen immediately. In case the transaction needs reconciliation because the fate of transaction is not determined immediately, the reversal of funds will happen in 3 working days.
If you are getting an error message “Make sure that Wi-Fi or mobile data is turned on, then try again”, turn on mobile data or connect to a Wi-Fi connection to be able to login into the application. If you are still getting the same error after connecting your phone to the internet, there may be an issue with the internet speed or your data. Kindly check that you have a valid data plan, and your internet connectivity is good. Retry after some time.
Mobile verification process can fail due to any of the following reasons:
Kindly ensure that your mobile phone has network connectivity (mobile data is switched on and flight mode turned off). In case you are still facing issues, you can update to the latest version of the app by logging in to Play store/Appstore and try again.
In case of change in handset, you have to follow below mentioned steps:
To make a UPI payment, you need to add a bank account on bob इ PAY.
While adding your bank account, please ensure that:
You will require the last 6 digits and expiry date of your debit card to set the UPI PIN. If you fail to receive the OTP in time, kindly click on the ‘Resend OTP’ option. If it does not work, please wait for some time, and try again. Please note that only Debit cards linked to the account can be used for setting the UPI PIN.
UPI Lite is a payment solution that allows users to make low-value transactions (up to Rs 500) without using a UPI PIN.
If you are getting an error “Unable to process your request (Merchant Tag is Mandatory if Payer/Payee is Entity)”, this is because you have activated “I’m merchant” Tab in your profile.
To activate UPI Lite for such cases, you need to create another VPA ID and then activate UPI LITE account by selecting your new VPA as your default UPI ID.
If you close the UPI LITE account, money will be refunded back to bank account from the LITE account.
The UPI Lite account linked with the respective account will also get removed from the list of accounts. To add the UPI LITE account, you need to add the linked account again.
You will have to first disable the existing UPI LITE account to initiate a refund for the UPI LITE balance which is active on bob इ PAY and then enable UPI LITE account using the bank account which you want to link with your UPI LITE account.
You can add balance only through the account which is linked to the UPI LITE account. Please ensure that your linked bank account has sufficient funds for the transfer.
Disable the existing LITE account on your phone to transfer your LITE balance to your bank account. After that, you can create a new LITE account on your new device.
If mobile data is off or there is no internet connection, this error message is displayed. You should turn on your mobile data or connect to a Wi-Fi connection to use the application.
You will not be charged for linking or carrying out any transaction from the linked Credit Card on UPI.
Tap and Pay is a feature in UPI which allows you to make payments by tapping your NFC enabled mobile phones on NFC smart QRs/ NFC QR soundboxes or UPI smart tags with NFC.
Various services mentioned below are available in bob इ PAY
A UPI Number is a bank-verified phone number identifier of your UPI ID. It allows you to receive money from users, regardless of the app the user is on. This can be your phone number, or any 8–10-digit numeric ID you choose.
Autopay in UPI is a feature that allows you to automate recurring payments. This can be used for subscriptions, utility bills, loan repayments, or any other regular transactions. Once you set up Autopay, the payments will be automatically deducted from your account on scheduled dates, simplifying the payment process and ensuring timely transactions without the need for manual intervention each time. You can manage these autopay settings through the application.
First you need to register your new number in your bank account. Un install the application and register with your new number, add your bank accounts once again.
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