Digital Banking Booklet PDF
Digital Banking Booklet PDF
Digital Banking Booklet PDF
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
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1. Baroda Connect
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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
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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
Learning Outcome
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2. Bharat Bill Payment System (BBPS)
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.
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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.
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.
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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
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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
Learning Outcome
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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.
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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
Incentive Limit
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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
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 4
Learning Outcome
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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.
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.
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
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>=25 but less
than 50 Rs. 100/-
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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
Circular Number Date Subject
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
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Baroda e Gateway
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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.
5.5 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:
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Gist of Circular - Baroda e-Gateway
Circular Number Date Subject
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
Learning Outcome
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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
Valid account types: Savings, Current, Overdraft, Cash Credit, Loan, PPF
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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
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Chapter 7
Learning Outcome
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Baroda GIFT CARD
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.
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on the card. For cashless purchase within India.
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 [email protected]
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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
Circular Number Date Subject
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
Learning Outcome
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TRAVEL EASY CARD
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
Circular Number Date Subject
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
Learning Outcome
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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.
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
Important circulars related to
Baroda Travel Easy Card
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Gist of Circular
Circular Number Date Subject
BCC:BR:109:560 31-10-2017 Introduction of Reloadable Card
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Chapter 10
Learning Outcome
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Baroda Fastag (NETC- National Electronic Toll Collection)1
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.
1
The information of this product is given by the Digital banking Department.
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Chapter 11
Learning Outcome
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Baroda ATM’s / Cash Dispensers
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.
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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.
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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.
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
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Learnings –
Basic of of Baroda ATM and Cash
dispense machines
Benefits and features available in
Baroda ATM and Cash Dispense
machines.
Important circulars related to
Baroda ATM and Cash Dispense
machine
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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
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
BCC:BR:109:337 04-07-2017 “GREEN PIN” – Debit Card PIN Generation through Bank of Baroda ATMs
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Chapter 12
Learning Outcome
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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
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/-
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:
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/-
Eligibility:
All customers who are eligible to operate the account individually
Feature:
ATM Cash withdrawal Limit: Rs.50,000/-
Purchase limit at POS: Rs.1,00,000/-
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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/-
Eligibility:
All customers who are eligible to operate the account individually
Feature:
ATM Cash withdrawal Limit: Rs.50,000/-
Purchase limit at POS: Rs.1,00,000/-
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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.
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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.
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.
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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).
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
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Learnings –
Basic of of Baroda Debit Cards
Benefits and features available in
Baroda Debit Cards
Important circulars related to
Baroda Debit Cards
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Gist of Circular
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
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
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Chapter 13
Learning Outcome
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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
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)
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.
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
Important circulars related to
Baroda Credit Card
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Gist of Circular
Circular Number Date Subject
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:110:254 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
Learning Outcome
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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
Circular Number Date Subject
BCC:BR:109:698 30-12-2017 Baroda Rewardz : Launch of Bank's Loyalty program for Current Account
customers (Proprietor and Individuals only)
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Chapter 15
Learning Outcome
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Baroda M Passbook
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.
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Gist of Circular
Circular Number Date Subject
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Chapter 16
Learning Outcome
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Baroda M Invest App
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
Circular Number Date Subject
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
Learning Outcome
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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.
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.
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.)
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.
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Learnings –
Basic of of Baroda Demat Account
Benefits and features of Baroda Demat
Procedure to open the Demat account
Important circulars related to
Baroda Demat account
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Gist of Circular
Circular Number Date Subject
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: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:BR:99:189 25-05-2007 Central Retail Depository Project- Offering of Demat services to customers in
CBS branches
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
Learning Outcome
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Baroda e-Biz
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
Important circulars related to
Baroda e-BIZ
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Gist of Circular
Circular Number Date Subject
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: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
Learning Outcome
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Digital Signage System
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.
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.
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
Learning Outcome
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Baroda M-pedia
This application facilitates employees to view Bank of Baroda’s Circulars on their mobile anytime anywhere.
Features:
Gist of Circular
Circular Number Date Subject
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
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:
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:
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.
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
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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)
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.
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.
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.
Weblink: https://www.bankofbaroda.co.in/missed-call-facility.htm
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
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Learnings –
Basic of of Baroda Elobby
Benefits and features of Baroda Elobby
Use of Different machines in Baroda Elobby
Important circulars related to
Baroda Elobby
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Chapter 22
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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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 .
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Chapter 22
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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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
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
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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
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