FREQUENTLY ASKED QUESTIONS (FAQs) on BARODA CONNECT Services:

Q) What is “Baroda Connect”?

“Baroda Connect” is an umbrella for all the products offered by the bank under e-Banking (Internet
banking to start with).
Q) What is Internet Banking?
Internet Banking indicates banking facilities offered to the customers, on Internet. Facility, you
will be able to access from your office/ house using computer/ device with internet connections.
Q) What are the various facilities available under “Baroda Connect”?
“Baroda Connect” offers following facilities:-

24 x 7 x 365 Round the Clock anywhere online banking.

Safe & Secure 256 bit SSL encryption.

Cost Efficient Almost all services are available free of cost.

Fund Transfer  Instant / Scheduled online fund transfer to self-linked BOB account,
third party account within BOB & to accounts of other Bank
(NEFT/RTGS)
 Instant / Scheduled online fund transfer to self-linked loan accounts
as well as third party loan accounts within BOB.
 IMPS fund transfer (our customers with mobile Banking facility)
through MMID/IFSC for our retail and corporate customers 24 x 7 x
365.

Tax Payment FREE Direct / Indirect / State tax payment and instant TAX receipt.

Form 26AS Free online viewing of Tax Credit Statement (Form 26 AS).

Online Ticket Online RAIL / AIR ticket booking.

IPO / FPO - ASBA FREE Online subscription of IPO/FPO/Right issue through ASBA.

On line request  Hotlisting of Debit card

 Debit PIN reset
 SB Account transfer from one branch to other Branch
 Switch Mailing Address
 Generation of ESBTR receipt/GRN
 Generation of TDS Certificate
 Generation of Interest certificate of SB/TD/OD and Loan
accounts
 Tracking of Loan status
 Get access to SPGRS
 Direct access to e trade
 Download pensioner life certificate
 Navigate to NPS site and contribute to NPS
  Direct access to Baroda eTrade, where customer can login
using his/her credentials and can perform DEMAT
transactions
 Can check CIBIL score
 Can do FATCA Self Certification
 Can do Aadhar Verification
 Can register for Pradhan Mantri Bima Yojana
 Can check status of their Clearing Instrument
 Can check Lien marked, if any
 Can register for Atal Pension Yojana (APY)

Registration / Customer can Register/Deregister himself/herself or RESET M-PIN for

deregistration for M our Bank’s Mobile Application i.e. M Connect Plus.
Connect Plus &
RESET M-PIN

E-Commerce FREE Bill presentment | Bill Payment | On line Shopping | Receive and
view bills online | Alert on pending bills | Payment to India First Life
Insurance | Payment to Baroda Pioneer.

Institution fees FREE on line fees payment of more than 125 School & Institutions.

Donation FREE online Temple / other Donation / Donation to Prime Minister Relief
fund.

Mobile Alerts FREE Mobile Alerts of Debit and Credit transactions.

Mobile OTP To avoid non delivery or delayed delivery of OTP our IT team has
developed OTP application on mobile handset supporting Apple, Android,
Windows and Blackberry.

Services Support Centralized dedicated Internet Banking Operations Team. 5000+

Support centers all over India (branches).

Modelling Modelling of Loan / Deposits.

On line FD Request Customers including NRI/PIO with full transaction rights are provided
facility to create online Term deposits by themselves with facility of its Pre
Mature closure.

On line RD Request Domestic retail customers with full transaction rights are provided facility
to create online Recurring deposits account by themselves with facility of
its Pre Mature Closure.

Online Self To reduce TAT and to ease customer convenience, the online Self
registration, User ID Registration for new retail customers, online User ID retrieval & resetting
Retrieval & of Transaction Password facility is available for retail customers in Baroda
Resetting of Connect, whereby authentication done through his/her debit card number
Transaction and Pin.
Password.

Linking of PPF & Our retail customers can link & View their PPF & Sukanya Samriddhi
SSA accounts accounts through Baroda Connect and also they can deposit in their PPF
& SSA account. Facility available under services tab in Baroda Connect
post login.
 Viewing of KVP The KVP customers can view their KVP certificate (opened through
certificates in BOB Branches) by logging to their Baroda Connect account.
Baroda Connect.

De linking of Customers can de link their SB/CA/OD accounts from their Internet
Accounts Banking accounts lists, except primary account.

Facility to purchase Bank has launched the facility for purchasing of Sovereigns Gold Bond
SGB online through Baroda Connect.

View Swift sent Customers can view sent swift messages.

Messages

Updation/ addition/ Updation/ addition/ deletion of nominee can be possible through Baroda
deletion of nominee. Connect.

Digital Signature Corporate user who wants to secure their net banking portal with
Authentication personalized authentication can subscribe to this facility.

These services are quite safe with 256-bit encryption Secure Socket Layer (SSL). This is the
highest level of security layer presently available. This will ensure that the password and other
sensitive information, while traveling on Internet will be in encrypted form and thus not available
to the hackers.
Q) We are holding joint account. We have Partnership / Company account. How we will
access Internet Banking?
You can access Internet Banking despite having joint account, Partnership, Company account
provided operating instructions given are…
 Either or Survivor, Any one or Survivor, Karta of HUF, Any one/two/three/all partner(s), All
Partners Jointly, Any one/two/three director(s).
For every joint account holder/Partner/Director one individual user id will be given by the bank,
after you apply for the same. He/She can access the account and carry out operations, as desired.
However, you will not be able to avail Internet Banking facility, if in your account, operating
instructions are…
 Payable jointly, any two or survivor, Restrictive Operations, Manager of HUF,
Administrator, Official Liquidator.
Q) Is it necessary to own a computer or whether we can access Baroda Connect from any
computer?
“Baroda Connect” can be accessed from any computer (including one from cyber café) having
internet facility. However, you are advised to be extra cautious while accessing the services from
cyber café.
Q) What should I have to use the services?
You just should have a PC with
 16 / 32 MB RAM.
 10-20 MB free space Hard Disk Capacity.
 Any operating system that supports the browsers like (Internet Explorer ver.5 or
Netscape Navigator 4.5 or above)
 Access to the Internet.
(For desired view and exact functionality, the above mentioned versions of browsers are
required.)
Q) How can I apply for Baroda Connect?
1. For online registration :
Self Registration of Baroda Connect for ‘Retail Customer’, is done through his/her ‘Debit
Card number and Pin’.
With this facility, retail customers having our bank’s active debit card, can register themselves
for Baroda Connect from his office/home without need to visit branches. A link ‘NOT
REGISTERED (RETAIL USERS) CLICK HERE’ has been enabled on the home page of Baroda
Connect as well as on login page. On clicking the link, the customer would be prompted to enter
his debit card number, PIN and expiry date. If the customer is already registered with ‘Baroda
Connect’, suitable message in this regard will be displayed. Else, the customer will be taken to
next screen for further details.
 Workflow for Self Registration
 STEP 1
Log into the www.bobibanking.com website. Link for self-registration would be available
on the home page.

 STEP 2
After clicking on the link, the following page opens. Enter all the required details.

 STEP 3
After filling in details, click on NEXT button
 STEP 4
An OTP is sent on the registered mobile number. Enter the OTP in the given field and
click on NEXT button.

 STEP 5
The system here prompts for choosing type of profile and choice of user id. Click on
NEXT button.

 STEP 6
The passwords have to be set in this step.
  STEP 7

After the successful registration is done, a message is displayed for confirmation. The account
details are available after 48 hours.

2. For registration through Branch :

The form for Baroda Connect is available on our Bank’s website
(http://www.bankofbaroda.com/download/corporate.pdf for Corporate or
http://www.bankofbaroda.com/download/personal.pdf or individual, on our Internet Banking portal
or from our branches. Please take this form and submit it to the branch where you are maintaining
your account. (Please refer terms and conditions, as given on www.bobibanking.com for details).
FOR Corporate Customers:
 The customer submits his request to his/her Base Branch, the Branch then process his/her
request.
 The request entered by Branches is then processed at BCOT level on next working day
and passwords are printed centrally and dispatched to the respective Branches.
 The complete process takes around 7 to 8 working days for the passwords to reach the
respective Branches.
 The Branch than has to hand over the physically printed passwords to the respective
customer after due verifications
FOR Retail Customer:
 On receipt of fresh request for Baroda Connect issuance / Password Regeneration by
Retail customers (NRI/ Domestic) at Branch, the Branch then process his/her request.
 The request entered by Branches is then processed at BCOT level on next working day.
 After successful processing of the request received through HDCR/ REGPW menu, an
email is automatically sent to the registered email ID of the customer mentioning the steps
for setting/ resetting his/her passwords.
 In case of fresh Baroda Connect user, the user ID will be mentioned in the email ID.
However, you can apply for Baroda Connect account only if
 You are having an account with any of the branches of our bank.
 If you are having joint account, then operating instructions must be Either or Survivor, Any
one or Survivor.
 Karta of HUF, Any one/two/three/all partner(s), All Partners Jointly, Any one/two/three
director(s).
Following types of persons will not be eligible for Internet Banking
 Illiterate.
 Dormant accounts holder.
 Inoperative accounts holder.
 Minor.
 Holder in accounts where garnishee / attachment order is received.
Q) How should I log in?
Corporate Customers will receive user id on their registered email ID and password in sealed
envelopes in un-tampered form. (If they are tampered, please lodge complaint immediately on
https://bobcrm.bankofbaroda.co.in/onlinecomplaint).
 For retail customers, an email is automatically sent to the registered email ID of the customer
mentioning the steps for setting/ resetting his/her passwords along with their Internet Banking
user ID.
 In case of fresh Baroda Connect user, the user ID will be mentioned in the email ID.
Please note: Existing Retail user (NRI/ Domestic) may directly visit www.bobibanking.com for
instant reset of his/her passwords without approaching Branch.
 The New/ existing user visits www.bobibanking.com and clicks on “Retail USER”.
 The user enters the user id which he has received on his registered email id and instead of
clicking “Enter” button, user has to click on the link provided for set/ reset of passwords.
 On the next screen the user has to click on the option “Regenerate Passwords using
Activation Code/ OTP”
 The system prompts the user to enter mobile number and the customer clicks on NEXT
button.
 On successful validation of user id and Mobile Number, the activation code is sent on the
registered email id and one time password will be sent on registered mobile number.
 The user has to enter his Activation code (sent on registered email) & OTP (sent on registered
mobile) and clicks on NEXT button.
The screen will be displayed where the customer will be provided an option to confirm that he has
got the same rights which he has requested through branch. The screen is displayed to enter the
new passwords as per profile allotted.
To access “Baroda Connect” start internet in your PC and type https://www.bobibanking.com in
the address bar and press enter.
The home page of the “Baroda Connect” will appear, click on “Retail User” or “Corporate User”
button as the case may be and follow links.
You will be forced by the system to change the password, when you will log in for the first time.
We request you refer the guidelines on password security given in user guide, as also on printed
on PIN mailer.
Q) How do I choose the password, while changing the same?
While finalizing your password, please note that
 It must be minimum 8 digit long and maximum 16 digit long.
 It must contain an alphabet (A-Z or a-z) and a number (0-9) and a special character
(@,$,#,* etc.), all the three.
 It should not contain all the letters used in your user id.
 It is case sensitive i.e. if password is in small letters use the same. If you use capital letters,
it will not work.
 For your safety, your password will be blocked, if attempt to log in fails for 5 times.
 If not changed in 365 days, system will force you to change the password. However, we
advise you to keep changing the passwords, at a regular interval.
Q) Whether alerts are there for Password expiry?
You will be alerted (on the homepage, when you log in) for changing the passwords before the
expiry date.
Q) What should I do, if I have to stop using services for some time?
Please ensure to logout in proper way. However, if you abruptly close your Internet Banking page,
your session will end. Please do not leave your system unattended, when you have logged in,
since this may give an opportunity to others around you to operate your accounts
Q) What is online and offline services?
Online services indicate happening of the services instantly (on real time basis).
 Fund transfer (self, third party),
 Stop payment
 Balance enquiry etc. are some of the services which will be offered online.
Offline services indicate that this facility will not be carried out immediately but will be done
in span of few days. Services like
 Cheque Book request,
 CBS Account Opening,
 FD renewal request
 Account summary will be offered offline.
In these cases, Your request for (say) Cheque book will go to RLM and RLM will execute the
request i.e. get Cheque book prepared, send it by courier etc. Entire process is expected to take
3-4 days and thus the request will be offline.
Q) Can I transfer the funds to any of the branches in Bank of Baroda?
You can transfer funds to any of the branches of Bank of Baroda.
Q) How do I Stop Payment of the Cheque?
Go to Accounts. Select the account (from drop down box) to which the cheque belongs. From
adjacent drop down box, select Cheque Status Enquiry. In Cheque Status Enquiry, give range of
valid cheque numbers and it will give some details. In these details, select Stop Payment, give
relevant cheque number (or numbers) for which you want to stop the payment. System will give
message, whether the stop payment is successful or not. If the stop payment is not successful
(i.e. if you do not get success message) you may please explore other option of sending this
request (manually, over phone/ fax etc.)
Q) What are the Security features for usage of Internet Banking?
Transactional based internet banking offered is fully secured with 256 SSL (Secured Socket
Layer) which is the highest level of security presently available. Bank has taken adequate care of
security in respect of communication and transactions on the internet.
While the customer will access the portal and the information will travel on public network, it will
be in the encrypted form (using SSL) and even if someone receives that information, he will not
be able to use it due to its encryption. To offer confidence to the customer, the bank’s servers are
duly certified by Verisign.
Another Safety feature is the timed logout, which means the session is automatically terminated
if it is not active for a certain duration.
Q) Are there some important Security Tips:
Dos & Don’ts

Destroy Password Destroy Password mailers immediately after Password is changed. Do

mailers not write Password any where, try to memorizing them.

Change Password Change Password in frequent interval. To change PW login to

www.bobibanking.com and click profileChange Password.

Log off page Log off properly every time after online banking session is over. To log
properly off, always select “Log Out” button. Do not close your browser directly
by clicking on ‘X’ button.
 Subscribe Alert To subscribe Alert log on to www.bobibanking.com and click on
AlertsSubscription and click on check boxes as per your
requirement.

Check Alert Check Alert received in registered Mobile of all online transactions.
regularly Any suspicious transaction Alert should be reported immediately to the
branch.

Tracker ID Tracker ID is required for Beneficiary Registration and sent to

registered Mobile No. Never share Tracker ID with any body.

Anti Virus Keep your PC / LAPTOP protected with effective Anti Virus and update
Software Anti Virus software regularly.

Review Account Review your account statement to spot any doubtful / un authorized
Statement transaction.

Do not disclose We never call any personal detail such as User ID, Password, Tracker
personal detail ID, password of email etc. Never disclose all these personal
(Phishing / Vishing information to any body over Phone, e-mail, Mobile etc.
/ Mishing)

Avoid Cyber Cafes Avoid using Internet Banking in Public Domain like Cyber Cafes or
where Computers are in shared mode.

Q) How shall I register my Mobile Number / New Mobile Number?

To register Mobile Number / to change Mobile Number you are required to submit “Mobile Number
Updation” form to your base branch. The form is available under “Download Forms” section of
www.bobibanking.com
To down load the form click here https://www.bobibanking.com/MobileNoRegnForm.pdf
Q) How much fund I can transfer?
The default transaction limits for various financial services for retail and corporate customers are
provided in below table. . The limits would be refreshed on daily basis
1. Retail Customers

Funds Transfer Self-Linked A/c & Shopping Mall / NEFT/RTGS IMPS (Rs
limit in Baroda Govt. payments Amount in
Third Party A/c (Rs Amount
Connect Lacs)
in Lacs)
(Rs Amount in Lacs)

Per Transaction unlimited 7 10 2

Daily unlimited 10 15 2

2. Corporate Customers

Funds Transfer limit in Self-Linked A/c Shopping Mall NEFT/RTGS IMPS (Rs
Baroda Connect & Govt. / Amount in
(Rs, Amount
payments Lacs)
Third Party A/c in Lacs)
(Rs. Amount in
Lacs)
 Per Transaction unlimited 10 20 2

Daily unlimited 25 75 2

*Please note that all e-commerce transactions are treated as Shopping Mall Transfer within BOB.
Q) What are the charges for fund transfer?
Fund transfer to self linked accounts, to third party accounts within BOB and all e-commerce
transactions are available at free of cost basis. For detail charges kindly visit
https://www.bankofbaroda.in/service-charges-fees.htm
Q) I am not a Baroda Connect User and want to apply for internet banking.
Retail customers can themselves register for internet banking by using Bank of Baroda Debit Card
(Active*), please follow the given steps:
1. Visit www.bobibanking.com
2. Click on the link, ‘Not Registered (Retail User), Click Here’.
3. Enter the details related to Debit card and click on Next button.
4. ON entering correct details, an OTP would be sent on the registered mobile number.
5. Enter the OTP so received in the space provided.
6. The system will prompt for choosing User profile and User ID. Click on Next button.
7. The system will prompt for setting the passwords (Sign-on or/and transaction password).
8. On successful registration, a success message would be displayed and the account details
would be available after 24 hours.
For Corporate customers, please contact your branch and submit request for internet banking.
* Active: You should have activated your debit card first time on Bank of Baroda ATM.
Q) I have not received/forgotten USER ID.
For Retail Users, follow the given steps:
1. Visit www.bobibanking.com
2. Select Retail User Profile
3. A new page opens for entering user ID. Click on the link : ‘Don’t Know User Id?, Click Here’
4. Enter your account number, registered mobile number (prefixed with country code) and
registered email id.
5. On entering the correct details, OTP would be sent on registered mobile number.
6. Enter the OTP so received on your handset. The User ID would be sent on your registered
email id.
In case error message ‘DETAILS NOT MATCHED‘ is received, make sure you are entering the
correct credentials. Contact your branch to get the details updated. Retail users may also contact
our toll free numbers given at https://www.bankofbaroda.in/contact-us.htm for getting the user id
for your account or you may lodge complaint on
https://bobcrm.bankofbaroda.co.in/onlinecomplaint/
For Corporate customers, please contact your base branch for the mentioned issue or lodge
complaint on https://bobcrm.bankofbaroda.co.in/onlinecomplaint/
Q) I am getting error message as 'INVALID LOGIN ID OR PASSWORD'
If you are a retail customer, you may contact you branch or the toll free number for activation of
your passwords. On password activation this error will be resolved.
 If you are a corporate customer, you may contact you branch for activation of your passwords.
On password activation this error will be resolved.
Q) I have forgotten sign on/ Transaction password.
A. For Instant Regeneration of Baroda Connect Password by Existing User online
without approaching Branch:

Customer has to visit directly the website www.bobibanking.com.

 FOR RETAIL USER :

The Retail User have to clicks on “Retail User”. After clicking “Retail User”, the below
mentioned screen will be displayed.

User has to enter his existing User ID or which he has received on his registered email id
(for new user) and instead of clicking “Enter” button, user has to click on the link “Set/
Reset Passwords, Click Here”.
1) The below mentioned screen will appear, where user has to click on link “Regenerate
Passwords using Activation Code/ OTP”.

 User with Transaction Rights, below screen will be displayed:

NOTE: The second option in above screen i.e. “Regenerate Transaction Password using
Debit Card” is the existing process for resetting only Transaction password for existing
retail customers having active debit card.

 User with View Rights, below screen will be displayed:

2) The below mentioned screen will be displayed, where user has to enter his registered
mobile number and clicks on “NEXT” button. On successful validation of user id and
Mobile Number the activation code is sent to the registered email id and one time
password will be sent on registered mobile number.

3) The below mentioned screen will be displayed where user has to enter his Activation
code (sent on registered email) & OTP (sent on registered mobile) and clicks on NEXT
button.

NOTE:
 Activation code will be valid for one time use only.
 “Resend Activation Code/ OTP” button will be enabled after 3 minutes.
 The customer will be allowed to use “Resend Activation Code/ OTP” button two
times and then it will be disabled. Then he has to again start from step 1.

4) After successful validation of Activation code and OTP, the below mentioned screen will
be displayed as per profile allotted and accordingly the SignOn / Transaction password
set/ reset box will be visible.

 User with Transaction Rights, below screen will be displayed:

  User with View Rights, below screen will be displayed:

NOTE:
 User with View Rights will be able set/ reset his/ her only SignOn Password.
 User with Transaction Rights and enrollment done successfully will be able to set/
reset his/ her Transaction password only.
 User with Transaction Rights and enrollment not done will be able to set/ reset his/her
both SignOn & Transaction password.

5) Customer has to tick the Disclaimer check box, then only “Set/ Reset Password” button
will be enabled otherwise it will not allow user to proceed.

6) After Clicking “Set/ Reset Password”, system set the password and will display the
message for successful set/Reset of Password.
 NOTE: The New User with Transaction Right will have to again change his SignOn
Password at the time of enrolment during first time login.
FOR CORPORATE USER : They have to clicks on “Corporate User”. After clicking
“Corporate User”, the below mentioned screen will be displayed to corporate users.

User has to enter his existing Corporate ID & User ID or which he has received on his
registered email id (for new user) and instead of clicking “Enter” button, user has to click
on the link “Set/ Reset Password, Click Here”.

7) The below mentioned screen will appear, where user has to click on link “Regenerate
Password using Activation Code/ OTP”.

 User with Transaction Rights, below screen will be displayed:

NOTE: The second option in above screen i.e. “Regenerate Sign On using QNA and OTP” is the
existing process for resetting only Sign On password for existing corporate customers having
transaction right.

 User with View Rights, below screen will be displayed:

8) After clicking “Regenerate Password using Activation Code/ OTP”, the below
mentioned screen will be displayed, where user has to enter his registered mobile
number and clicks on “NEXT” button.

On successful validation of corporate ID, user ID and Mobile Number the activation code is
sent to the registered email id and one time password will be sent on registered mobile
number of that respective user.
9) The below mentioned screen will be displayed where user has to enter his Activation
code (sent on registered email) & OTP (sent on registered mobile) and clicks on NEXT
button.

NOTE:
 Activation code will be valid for one time use only.
 “Resend Activation Code/ OTP” button will be enabled after 3 minutes.
 The customer will be allowed to use “Resend Activation Code/ OTP” button two
times and then it will be disabled. Then he has to again start from step 1.

10) After successful validation of Activation code and OTP, the below mentioned screen will
be displayed as per profile allotted and accordingly the Signon / Transaction password
set/ reset box will be visible.

 User with Transaction Rights, below screen will be displayed:

 User with View Rights, below screen will be displayed:
 NOTE:

 User with View Rights will be able set/ reset his/ her only SignOn Password.
 User with Transaction Rights and enrollment done successfully will be able to set/
reset his/ her Transaction password only.
 User with Transaction Rights and enrollment not done will be able to set/ reset his/her
both SignOn & Transaction password.

11) Customer has to tick the Disclaimer check box, then only “Set/ Reset Password” button
will be enabled otherwise it will not allow user to proceed.

12) After Clicking “Set/ Reset Password”, system set the password and will display the
message for successful set/Reset of Password.

NOTE: The New User with Transaction Right will have to again change his SignOn
Password at the time of enrollment during first time login.
Q) How to reset my Security answers?
In case you have forgotten your answers to security questions and you are getting error message
as ACCOUNT IS LOCKED, then please first unlock your account by following the steps given.
After unlocking the account, please go through the following steps for resetting the Questions and
Answers:
1. Visit www.bobibanking.com
2. Select Retail/Corporate User Profile
3. Enter User ID (and Corporate Id in case of Corporate Customers) and click DO NOT CLICK on
Enter.
4. Click on given link, ‘You wish to Reset your answers, Click Here’
5. Enter your mobile number and enter the OTP received on your handset.
6. On entering the correct OTP, the system prompts for entering the transaction password.
7. After entering the correct details, system allows you to reset your answers to security questions.
Q) I am getting error message as ‘YOUR ACCOUNT IS LOCKED’?
If your account is locked, make sure you remember your transaction password. In case you don’t
remember the same, reset your transaction password first and then follow the given steps for
unlocking the account:
1. Visit www.bobibanking.com
2. Select Retail/Corporate User Profile
 3. Enter User ID (and Corporate Id in case of Corporate Customers) and click DO NOT CLICK on
Enter.
4. Click on given link, ‘Your Account is Locked, Click Here’
5. The system will ask you for either OTP or Security questions. IF system is prompting you for
your security question and you have forgotten answers to the same. Please enter 5 wrong
attempts after which system will ask you for OTP.
6. On entering the correct details, the system will prompt you to enter your transaction password.
7. Enter the transaction password and your account will be unlocked.
Q) I am getting an error message as ‘You cannot unlock your account online. Please contact
your branch or system administrator’ while unlocking the account.
If you are a retail customer, get your transaction regenerated online by using set/reset password
option
In case of corporate customers, please contact your branch to get your password enabled or
register complain on Https://bobcrm.bankofbaroda.co.in/onlinecomplaint from your registered
email id.
After enabling/resetting the transaction password, you may proceed for unlocking your account.
Q) I am getting an error message as ‘You are disabled for transactions’.
If you are a Retail User, reset your transaction password using the help provided above.
In case of corporate customers, please contact your branch to get your password enabled or
register complain on Https://bobcrm.bankofbaroda.co.in/onlinecomplaint from your registered
email id.
Q) I want to increase my transaction limit.
For retail customers, there is no option for enhancement in default limit.
For corporate customers, please contact your branch to apply for enhancement.
Q) I am not receiving OTP on my registered handset.
Please check the following points at your end:
1. Please make sure you have registered the correct mobile number in the branch.
2. Check whether you are in good network coverage area.
3. You must not have activated the DO NOT DISTURB service.
4. Try to switch off/on your handset.
In case problem persists, please register complain on https://bobcrm.bankofbaroda.co.in/onlinecomplaint
Q) I want to make utility payments like Mobile recharge, Credit card payment etc.
1. Visit www.bobibanking.com
2. Click on ‘Utility Payments’ on the left hand side of the page.
3. A new page will open, If you agree to the conditions mentioned, system will take you to new
screen.
4. Select the type of payment to be done and type of profile (Retail or Corporate).
5. Enter the details requested and complete the transaction by entering user id and transaction
password.
Q) I am getting message as ‘ENROLLMENT NOT ALLOWED’.
Please contact your branch to get the correct mobile number updated for your account. The
system will not let you complete the enrolment process till the mobile number is fed in the
database.
Q) I have entered correct mobile number; still it is giving me invalid mobile number message.
Enter the mobile number which is registered with the Bank. Do not enter ‘0’or country code before
the mobile number. Please provide mobile number only without any prefix / suffix.
In case the problem persists, please contact your base branch to confirm whether the correct
mobile number is updated in the system.
Q) I have only VIEW rights and forgotten my password.
In case you have taken only VIEW rights, for Retail user by using set/reset password option and,
for corporate customers apply through your branch.
Q) I have only VIEW rights and now want transaction rights (and vice versa).
For change of rights, please submit an application to your branch.
Q) I am getting an error message as ‘ARCOT ID EXPIRED’.
Register a complaint stating your account number, name and mention the given error on
https://bobcrm.bankofbaroda.co.in/onlinecomplaint
Q) I am getting an error message as ‘PASSWORD EXPIRED’.
If you are a retail customer and your sign on password is expired, you may reset it using the
Forgot Sign on password link. In case your transaction password is expired, you may reset
your password using by using set/reset password option as per the steps mentioned above.
If you are a corporate customer and you remember your last passwords, please register complain
with account number and error details on https://bobcrm.bankofbaroda.co.in/onlinecomplaint
In case you have forgotten the passwords also, please view the steps for regeneration of
passwords for Retail and Corporate customers given above.
Q) I am getting message as ‘User Not Enabled for Bill Payments and Presentments’.
This message comes in case of new enrolment. Please try to login after 48 hours. If problem
persists, register a complaint on https://bobcrm.bankofbaroda.co.in/onlinecomplaint.
Q) Every time I login, it is taking me to the QnA page.
Try deleting the cookies and history of your browser. The system will then prompt you for entering
OTP.
Q) Every time I login, it is taking me to the OTP page.
You may be logging from a different machine/ you may have enabled the option for ‘Delete
browsing history on exit’. Please make sure to check the browser settings. Enter the OTP correctly
and successfully login to the system.
Q) Wrong PAM (Personal Acceptance Message) is getting displayed.
Check the URL: https://bobibanking.com , else close the browser and use a fresh session. Type
the URL and check. Still if you find that the message is not the same you had registered, please
register complaint on https://bobcrm.bankofbaroda.co.in/onlinecomplaint
USER-FAQ (2FA)
Q). What is “Fraud Management Solution (Baroda iSecure)”?
Ans. Fraud Management Solution (Baroda iSecure) is an enhanced security solution which helps
reduce chances of phishing attack on customer by providing additional layer of authentication.
Q). What are the key features of “Fraud Management Solution (Baroda iSecure)”?
Ans. It enables additional security to make Internet banking more safe and secure. User has to
first register for the new system. System will automatically prompt for one time enrolment. Once
you are registered, you can perform the following tasks.
• You can re-generate login password on your own.
 • Unlock the account, without approaching the branch, in case you forget your password
or your account is locked (Because of 5 times wrong attempts)
Login to the site is now a -2- step process, in the first step, you enter only the Login ID. In the
second step, a screen is presented with a personal message (PAM) which prompts you to enter
your password. Further, in case you (or somebody using your ID) attempts to login from a different
machine, system may prompt for additional questions (QnA) / One time password (OTP)
Q). what is PAM?
Ans. When you enrol for enhanced security of “Fraud Management Solution(Baroda iSecure)”
system will ask you to create a “Personal Message” (PAM). Once the PAM is registered the same
will be displayed in your login page well before you enter your sign-on password. It is an added
security feature that reassures that
(a) You are giving your sign on password to the Bank’s portal only
(b) No person has fiddled with your account.
Q). What is QnA and OTP?
Ans. In addition to login password and transaction password, there is one more security layer to
identify the genuine user. These are called QnA – Question and Answer OTP – One time
Password
QnA – Question and Answer
At the time of enrolment you have to pick minimum 5 questions and key in your answers.
Subsequently, whenever the system feels the risk or doubt (at the time of log in or doing
transaction) in the user’s identity, system will prompt you the questions (number of questions may
vary depending upon the level of risk) selected by you at the time of enrolment. You have to key
in the answer registered by you at the time of enrolment.
OTP – One time Password
Whenever the system feels the risk or doubt (at the time of log in or performing transaction) in the
user’s identity, system will prompt you to enter your mobile number. If the mobile number entered
by you is registered with us, the system will send a “One time Password” (OTP) to your mobile
via SMS. You have to key in the OTP correctly to proceed further. One Time Password – means
password send will be used once only, you need not remember the same. Each time system
sends password, it will be for one time use only. OTP valid for -3- minutes only.
Q). How can I enrol for “Fraud Management Solution(Baroda iSecure)”?
Ans. You will find the button “enrol now” after login at your internet banking page. During the
enrolment, system will prompt you to enter your details like PAM, QnA as mentioned above.
Q). PAM (personal Message) not getting displayed.
Ans. Check the correctness of URL i.e, https://bobibanking.com, You may close the browser and
open it again. Type the URL and check.
Q). Wrong PAM is getting displayed.
Ans. Check the URL: https://bobibanking.com, else close the browser and use a fresh session.
Type the URL and check. Still if you find that the message is not the same you had registered,
please register complaint on https://bobcrm.bankofbaroda.co.in/onlinecomplaint
Q). I am not getting the same questions, which I have provided during enrolment.
Ans. Contact our help desk.
Q). I have given correct answer to Questions; still it is giving invalid QnA.
Ans. Check whether you have given spaces before or after the answer.
Q). I tried QnA and my Account got locked.
 Ans. Check whether you are able to login to Net-Banking or not. If you are unable to login to Net-
Banking, go to main page and click on Unlock Account and proceed further.
Q). I have forgotten my sign-on password.
Ans. Go to normal Net-Banking home page. Enter your user Id and proceed. On the password
capture page “Forgot SignOn password” link is present. Click on the link and proceed further.
Q). I have forgotten my transaction password.
Ans. You can regenerate “Transaction Password” by using set/reset password option and, for
corporate customers apply through your branch.
Q). I have not registered for “transaction rights”, I have view rights only. What should I do in
case I forget my password?
Ans. You can regenerate “Sign on Password” by using set/reset password.
Q). I tried sign-on password and my account got locked.
Ans. Check whether you are able to login to Net-Banking or not. If you are unable to login to Net-
Banking, go to main page and click on Unlock Account and proceed further.
Q). I have entered correct mobile number, still it is giving me invalid mobile number message.
Ans. Enter the mobile number which is registered with the Bank .Do not enter ‘0’or country code
before the mobile number. Please provide mobile number only without any prefix / suffix.
Q). I have tried mobile number and my account got locked.
Ans. Check whether you are able to login to Net-Banking or not. If you are unable to login to Net-
Banking, go to main page and click on Unlock Account and proceed further.
Q). I have entered correct OTP, still screen is showing me invalid OTP.
Ans. Check you have not given any spaces before or after OTP. Check if you have provided
spaces in between the numbers.
Q). I have tried OTP and my account got locked.
Ans. Check whether you are able to login to Net-Banking or not. If you are unable to login to Net-
Banking, go to main page and click on Unlock Account and proceed further.
Q). Every time I login, it is taking me to the QnA page.
Ans. Your browser cookies might get deleted each time. Answer the question correctly and
successfully login to the system.
Q). Every time I login, it is taking me to the OTP page.
You may be logging from a different machine. Enter the OTP correctly and successfully login to
the system.
Q). I have to change my mobile number.
Ans. Contact your base branch and follow the procedures. The form may be downloaded from
https://www.bobibanking.com.
Q). I use Baroda Connect on my Smartphone/ Tablet.
Baroda iSecure is compatible with most of the smartphone /tablet browsers.