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Bank of Baroda is a leading name in the Indian banking sector and is among the top five banks in the country. It is a public sector bank in India that has customers worldwide and one of the densest networks of branches domestically as well as representative offices overseas.
The various products and services of the bank include digital banking which has become the need of the hour. Digital banking started with funds transfer and allowed customers to transfer huge sums of money across the country or the world instantly and changed the face of banking. Today digital banking is not just transfer of funds but offers a lot more banking facilities like starting new deposits, paying utility bills, and much more.
The latest advancement in digital banking is the UPI feature offered by banks. UPI is a payments portal that acts as a central payment gateway for accounts from any bank and can be used to make payments, funds transfer and more. Given below are the details of the UPI feature of Bank of Baroda.
About Bank of Baroda UPI
UPI is the acronym for Unified Payments Interface which is unique to the Indian market. Using the platform, customers can create a single UPI user id or a Virtual Payments Address (VPA) that can be linked to multiple bank accounts. It helps the customers to access multiple bank accounts under a single roof.
Customers can easily register through the Bank of Baroda UPI Application and use it to make payments to any bank account within India and or pay bills at any merchant point of sale transactions. This facility is available 24x7 to all the registered customers and can be accessed from anywhere and at any time.
UPI is the initiative of National Payments Corporation of India (NPCI). It is regulated by the Reserve Bank of India and is available to all Indian Banks. Customers do not have to submit any extra documentation to register for an UPI account. It can be done easily through the mobile number registered with the bank account. UPI functions on the IMPS technology and provides the facility of instant funds transfer on a real time basis.
Bank of Baroda UPI is available in multiple languages for the benefit of customers from various states.
Customers have to meet certain prerequisites to register with the Bank of Baroda UPI application and use it effectively. Following are the details of the same.
Bank of Baroda UPI is accessible to all the customers by downloading the same through the Google Playstore and Apple Store. The process of registering with the Bank of Baroda UPI application is detailed hereunder.
The features of Bank of Baroda UPI are multifold and make it a very lucrative option for anywhere anytime banking. Following are the salient features of Bank of Baroda UPI application.
Bank of Baroda UPI account gives its customers the benefit of real time banking after due registration. Given below are the benefits of Bank of Baroda UPI Account.
The UPI application of the Bank has many limits on the quantum and volume of transactions that can be undertaken by any customer. Every UPI application has transactional limits but the quantum of limits can differ for each bank.
The various limits relevant for Bank of Baroda UPI application are tabled below.
Maximum amount per transaction
Minimum amount per transaction
Maximum transaction amount per day
Maximum number of transaction per day, per account
Maximum amount per transaction post resetting the PIN or for a first time user
UPI application of Bank of Baroda can be used to perform multiple transactions through a single user id or a single platform.
Following are the transactions that can be performed through Bank of Baroda UPI application.
1. Does Bank of Baroda UPI require the customer to have a bank account with either Bank of Baroda, Vijaya Bank or Dena Bank?
No. Customers do not need to mandatorily have a bank account with Bank of Baroda, Vijaya Bank or Dena Bank to register with the Bank of Baroda UPI application.
2. What are the security measures in case of entering the wrong UPI PIN?
Bank of Baroda UPI application is a very secure platform where customers can transfer funds on a real time basis. Customers can set or reset the UPI PIN multiple times even in case of forgetting it. When a customer enters the wrong UPI PIN three times consecutively, the account gets locked and the customer will have to re-generate a new UPI PIN by entering the last 6 digits of the debit card and the expiry date on such card.
3. What is the initial cooling period in case of a new user or after resetting the UPI PIN?
Bank of Baroda UPI application imposes a cooling period on new UPI accounts as well as on accounts that have reset the UPI PIN. This cooling period is the transaction limit of Rs. 5,000 for a period of 24 hours.
4. Can funds be reversed to the payer’s account in the event of not completing the transfer request initiated?
Yes. If the transfer request initiated by the payer is not completed or executed completely, the funds will be reversed back to the payer’s account within a maximum period of 3 days from the date of initiating such funds transfer request.
5. Can the UPI ID of a customer be deregistered? If yes, can it be re-registered again?
UPI application of any bank provides the customers the facility to de-register the said UPI Id if they wish to do so. The request for the same can be found in the application settings and can be authenticated by answering the security answer correctly. Once such UPI id is de-registered, it cannot be re-registered again before the completion of 2 years from such event. Customers will have to register a new UPI id and use the same in the meantime after deregistering the original id.
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