Frequently Asked Questions (FAQs)

  • How can I check the balance available on my Baroda Reloadable Card?

    You can enquire balance available on your Reloadable CBard by using the ank’s website and/or calling our 24-hour customer care toll-free number 1800 102 5627 by giving card number and identification.

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  • Can I close my demat account with one DP and transfer all securities to my account with another DP?

    Yes. You can submit an account closure request to your DP in a prescribed form. Your DP will transfer all your securities, as per your instruction, and close your demat account.

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  • What is the procedure to claim the amount?

    Visit the branch with KYC documents and fill the required form.

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  • Whether account with Bank of Baroda is needed to purchase Baroda TravelEasy Card?

    Baroda TravelEasy Card can be purchased by Indian Residents holding our Bank’s account as well other persons not holding account with Bank of Baroda. Person desirous of travelling abroad can visit identified branch of Bank of Baroda and purchase a Baroda TravelEasy Card over the counter. Proper KYC is needed for both, the Bank account holders as well as walk-in customers.

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  • What are the limits and how to increase them?

    For IMPS/NEFT, per day limits is Rs. 2 Lakhs (Rs. 50,000 per transaction)

    For Third-Party, per day limit is Rs. 1 Lakh (Rs. 50,000 per transaction)

    No limit on self-linked accounts.

    In case of requirement of higher limits, register for Baroda Connect (Internet Banking) through m-Connect+. .

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  • Can I lend the securities lying in my account?

    Yes. You can lend your securities through Intermediaries approved by SEBI.

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  • Is permission of Reserve Bank required for NRIs to invest in proprietary/partnership concerns on non-repatriation basis?

    No. Reserve Bank has granted general permission to NRIs to invest by ways of capital contribution in any proprietary or partnership concern in India on a non-repatriation basis, provided the investee’s concern is not engaged in any agricultural/plantation activity or real estate business. This facility is, however, not available to OCBs.

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  • Forward Rate Agreement (FRA)

    A Forward Rate Agreement (FRA) is an agreement whereby an interest rate is fixed now for a period in the future for a specified notional principal amount. It is an OTC product and does not involve any exchange of principal amount. The difference between the FRA Rate and the actual market rate on the maturity date is paid by one party to the other. If the market rate is higher than the FRA rate, the seller pays the buyer whereas, in case the market rate is lower than the FRA rate, the buyer pays the seller.

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  • What is collect request of BHIM Baroda Pay

    The UPI Collect request is sent to the customer on his registered virtual payment address for which the customer also receives a mobile notification, intimating him that a UPI Collect request has been sent to him. The recipient of the money raises a collect request. Once the request is accepted, the payment is complete after entering UPI PIN by the customer and the recipient account is credited. One can choose to receive money immediately or in the future by choosing the time(Minimum 30 minutes and Maximum 45 days)

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  • Is there any additional incentive for BCs during this difficult period?

    Yes, to encourage the BC agents to extend their continued services during this difficult period, bank has decided to incentivize them by paying Rs. 100/- per day to every active BC agents towards transportation, etc for extending services from 10:00 AM to 5:00 PM by performing minimum 5 transactions. This facility will be available till 14.04.2020

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  • Can shares/debentures be given away as gifts to relatives?

    Yes. Reserve Bank has granted general permission to NRIs to transfer, by way of gift, bonds and debentures of Indian companies held by them with Reserve Bank's permission to their resident close relative/s.

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  • Is collateral security required?

    No collaterals/third-party guarantee for loans up to Rs. 100 lakhs which are covered under CGTMSE. For other accounts which are not covered under CGTMSE, the Bank may stipulate collaterals as per Bank’s guidelines.

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  • What is meant by dematerialisation?
    • Dematerialisation is the process by which physical certificates of an investor are converted to an equivalent number of securities in electronic form and credited in the investor's account with his DP.
    • In order to dematerialise certificates, an investor will have to first open an account with a branch DP and then request for the dematerialisation of certificates by filling up a dematerialisation request form (DRF), which is available with branch DP and submitting the same along with the physical certificates.
    • The investor has to ensure that before the certificates are handed over to the branch DP for demat, they are defaced by marking "Surrendered for Dematerialisation" on the face of the certificates. (PLEASE NOTE THAT THIS DEFACING IS NOT REQUIRED TO BE DONE BY THE CLIENT IN CASE DEMAT ACCOUNT IS OPENED WITH CDSL DP. The defacing is the responsibility of the branch DP in case of CDSL demat account)

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  • Can NRIs bring silver into India?

    Yes. NRIs can bring to India silver up to 100 kgs as part of their personal baggage.

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  • Whether pledgee account can be in a different DP?

    Yes. The pledgee can have an account with a different depository participant of NSDL or CDSL i.e. both the DPs should be of the same depository.

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  • Whether takeover of loans are allowed in BOB ?
    • Yes, takeover of loans are allowed in BOB. Decision on takeover of loans is made after scrutinizing loan applications on different Financial & Non – Financial Parameters of the borrowers

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  • Are term finance and working capital finance is sanctioned by the Bank?

    Yes. Both term finance and working capital facilities are sanctioned by the Bank

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  • What are the procedures to be followed in respect of investment in securities in case NRI becomes person resident in India?

    On becoming a resident, a new depository account with appropriate status - 'Resident' in this case, is to be opened and all the balances held in account with 'Non-Resident' status should be transferred to 'Resident' status.

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  • how to get a car loan?

    You can apply for Car Loan through any of the below mentioned modes-(1) Branch [you can find our nearest Branch through Branch Locator available on our website (2) Car Loan Processing Cells avialble at Mumbai, Ahmedabad, Bareilly & Patna (3) Online application through - our website (4) Through missed call at 8467001133 (5) by calling Toll Free No. 18002584455 & 18001024455 (6) SMS AL Space (Name) to 8422009988 (7) if you are existing customer of the Bank, you can also apply using Mobile Banking (BOB WORLD) & Net Banking facility.

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