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Baroda MPay(UPI App)

Instant. Secure. Convenient.

Fund Transfer made easy with

Baroda Mpay

BHIM Baroda Pay


Bank of Baroda presents Bhim Baroda Pay - A Unified Payments Interface (UPI) application that lets you transfer funds from any bank account using a Virtual Payment Address (VPA). No need to remember beneficiary details like account number, IFSC, Mobile Number, MMID etc. Send or Collect money using a Virtual Payment Address.

A Virtual Payment Address (VPA) is a unique identifier that you set and link to your bank account. (Example: yourname@barodampay )

Once linked, just quote your VPA instead of account number and IFSC to make or receive payments.

Unified Payments Interface (UPI) is payment system by NPCI that allows transfer of funds between accounts in convenient manner.

The details of incentive for Customers are as follows

Sr. No. Incentive on Transaction Incentive Amount (Rs.) Terms & Conditions
1 BHIM Baroda Pay app user of our Banks unique financial transactions Rs.25/-
  • Minimum transaction value should be Rs. 100/-
  • The incentive will be paid for maximum 20 unique transaction per calendar month
  • Only unique transactions are eligible for incentive
2 BHIM Baroda Pay app user of our Banks financial transactions
No. of transactions Incentive per month
>=25 but less than 50 Rs. 100/-
>=50 but less than 100 Rs. 200/-
> than 100 Rs. 250/-
  • Minimum transaction value should be Rs.10/-
  • Calendar month will be used for calculation of month

(Unique Transaction – Only the first transaction where ‘A’ transfer funds to ‘B’, second transaction between ‘A’ and ‘B’ is not considered unique)

Merchants can also use this app by registering with “I am a Merchant” option and are eligible for incentive by receiving payments via this app.

Sr No No of credit Transactions Incentive Amount (Rs.) Terms & Conditions
1. Minimum transactions to be done in order to start earning incentive =>5 10% of transaction value with upper cap of Rs. 50/- per transaction
  • Minimum transaction value should be Rs. 25/-
  • Maximum cashback of Rs. 1,000/- per month
  • Calendar month will be used for calculation of month

New Feature

  • Application is available in Hindi language for our Hindi conversant customers
  • Now ATM/ Branch locator is available for customers using UPI application
  • Enhancing of “I am Merchant” feature with adding of Agent and Bulk Collect Request for merchants.

Transaction Limits of BHIM Baroda Pay

Fund Transfer(P2P – Person to Person) - BHIM Baroda Pay

Transaction Per Transaction (amount) Per Day (amount) Min Amount per transaction No. of transactions per day, per account
Fund Transfer Rs.25,000/- Rs.1,00,000/- Re. 1/- 10
(24 hrs. rolling limit)
Fund Transfer (After setting / resetting of UPI PIN) Rs.5000/-
(PIN Set or Reset)
Till 24 hours. Old limits applicable post cooling period Re. 1/- 10
(24 hrs. rolling limit)
IPO (ASBA) Rs.2 lac Not applicable Not applicable Not applicable

Merchant Transactions(P2M – Person to Merchant) - BHIM BARODA PAY

Maximum per transaction

Rs. 25,000/-

Maximum per day

Rs. 1,00,000/-

Key Features

Baroda MPay (UPI App) Key Features
  • I am Merchant
  • Send and receive money instantly
  • Safe and Secure
  • 24*7 Availability
  • Transaction Limit Setup
  • One App for all Payments
  • Easy access to Complaint module
  • Scan and Pay
  • Generate Static and Dynamic QR Code
  • UPI Id can be used for subscribing for an IPO

How to register

  • Step 1 : Download the app from Google Play Store.
  • Step 2 : Click Register for new registration or Already registered for already user.
  • Step 3 : Enter details (Name, Last name, Email etc.) and Set a Virtual ID (VPA).
    VPA is an identifier (eg. suchi@barodampay, wherein “suchi” is a unique name that you can choose for yourself) that can be uniquely mapped to an individual account that can be used for making and receiving payments without sharing account details.
  • Step 4 : For dual SIM users, Select registered mobile number and enter the same(Standard SMS rate will be charged).
  • Step 5 : Confirm mobile number.
  • Step 6 : Set 4 digits login PIN and Question and answers.
  • Step 7 : Login with 4 Digit login PIN and Add Bank Account to enjoy seamless facility.
  • BHIM Baroda Pay (UPI App) Screenshot
  • BHIM Baroda Pay (UPI App) Screenshot
  • BHIM Baroda Pay (UPI App) Screenshot
  • BHIM Baroda Pay (UPI App) Screenshot
  • BHIM Baroda Pay (UPI App) Screenshot
  • BHIM Baroda Pay (UPI App) Screenshot
  • BHIM Baroda Pay (UPI App) Screenshot
  • BHIM Baroda Pay (UPI App) Screenshot

Security Features

    • Two factor of authentication and secured level of validation
    • New user (User who has Set/Reset UPI PIN) can transact for Rs. 5,000 as the first transaction.
    • Enhanced level of Device Binding security
    • Setting up desired per transaction and per day limit for each added account separately through BHIM Baroda Pay app.

To block UPI services instantly :

      • Go to SMS option in your registered mobile device.
      • Type BOBUPIBLK in the message content (Keyword is not case sensitive)
      • Send the SMS to 8422009988 (Service Mobile Number)

Merchants in BHIM Baroda Pay through UPI QR Code

        • Easy, Convenient, Hassle-free collection channel for Merchants
        • Three Types of Merchant in UPI i.e.
          • I am Merchant (in-app)
          • Retail Merchant (One-page form)
          • Corporate Merchant
        • Customized Solution to Corporate Merchants
          • Web based merchant payment solution
          • Mobile based application solution
          • Offline Payment where merchant is not having online infrastructure such as website / mobile app to receive payment
          • Retail merchant through QR code
          • Bulk Collect / QR code based solution
        • Low Merchant Discount Rate (MDR) as compared to other products/ channels in the industry.
        • User friendly Merchant Portal for downloading real time MIS/report for ease of reconciliation and transaction status.

Retail Merchant Application Form click here

Download App

Go ahead and download BHIM Baroda Pay, Bank of Baroda UPI application to experience the unique way of making payments using a Virtual Payment Address (VPA).

Bhim Baroda Pay is now available for all iOS users.


Contact Details

If you have any queries or in case of any unauthorized transaction through UPI, please call Contact Centre for support

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