Bank of BarodaBank transfer service

Bank of Baroda Transfers — NEFT, RTGS & IMPS

Bank of Baroda's bank-transfer profile explicitly separating bob World mobile limits from bob World Internet Banking limits, with rail-specific beneficiary cooling and current IMPS service charges.

First-party evidencePublished researchReviewed September 10, 2026Active

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Eligible account / channelRequires an eligible Bank of Baroda account and channel registration. Underlying account scheme and mode of operation can alter eligibility and charges.

Rail / channel limitsbob World mobile: IMPS beneficiary ₹2 lakh/transaction/day; NEFT ₹2 lakh/transaction and ₹5 lakh/day; RTGS ₹2 lakh/transaction and ₹5 lakh/day. Current retail Internet Banking: SHIPT/NEFT/RTGS/BULK ₹10 lakh/transaction and ₹25 lakh/day; IMPS ₹5 lakh/transaction/day.

Transfer / channel chargesBank of Baroda's current service-charge page lists savings-bank NEFT as nil, RTGS outward ₹24.50 for ₹2–5 lakh and ₹49.50 above ₹5 lakh, and retail IMPS from 1 October 2025 at ₹2.50 up to ₹1,000, ₹5 for ₹1,001–₹25,000 and ₹15 for ₹25,001–₹5 lakh, excluding GST. Account variants can provide waivers.

Rail / beneficiary relationshipMobile and Internet Banking limits are independent channel controls. Current dedicated Internet Banking material is used for web limits, while bob World FAQ controls mobile defaults; older Baroda Connect/mobile pages are not allowed to overwrite them.

Research processPublished by bankingreference.info

Structured from first-party bank/issuer evidence. This page does not claim personal hands-on product use unless that experience is explicitly stated.

6 first-party sources

Last checkedSeptember 10, 2026

Recorded source review date, not a claim that the product changed that day.

Maintenance stateWithin scheduled review window

Target recheck: November 24, 2026.

How to verifyMethodology · Editorial policy

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Critical decision facts

Channel scope and security state determine what the published limit really means.

Rail, channel, beneficiary, cooling, authentication and recovery rules stay separate instead of being compressed into one generic digital-banking number.

01 · Eligible account / channelRequires an eligible Bank of Baroda account and channel registration. Underlying account scheme and mode of operation can alter eligibility and charges.

02 · Rail / channel limitsbob World mobile: IMPS beneficiary ₹2 lakh/transaction/day; NEFT ₹2 lakh/transaction and ₹5 lakh/day; RTGS ₹2 lakh/transaction and ₹5 lakh/day. Current retail Internet Banking: SHIPT/NEFT/RTGS/BULK ₹10 lakh/transaction and ₹25 lakh/day; IMPS ₹5 lakh/transaction/day.

03 · Transfer / channel chargesBank of Baroda's current service-charge page lists savings-bank NEFT as nil, RTGS outward ₹24.50 for ₹2–5 lakh and ₹49.50 above ₹5 lakh, and retail IMPS from 1 October 2025 at ₹2.50 up to ₹1,000, ₹5 for ₹1,001–₹25,000 and ₹15 for ₹25,001–₹5 lakh, excluding GST. Account variants can provide waivers.

04 · Rail / beneficiary relationshipMobile and Internet Banking limits are independent channel controls. Current dedicated Internet Banking material is used for web limits, while bob World FAQ controls mobile defaults; older Baroda Connect/mobile pages are not allowed to overwrite them.

Exact product-type evidence

Bank transfer service evidence stays in its own structure.

Specialist fields below remain source-scoped. Missing values stay missing; one banking product type is never used to manufacture facts for another.

Bank-transfer rail map

NEFT, RTGS and IMPS share a beneficiary journey, not one universal limit.

System mechanics are kept separate from bank, channel, account, beneficiary and temporary security limits. Reviewed September 10, 2026.

Channels / scopebob World mobile banking and bob World Internet Banking; branch and business-channel rules are separate.

AuthenticationBeneficiary addition in bob World is authenticated with OTP and transaction PIN. Internet Banking uses its own transaction security controls.

NEFTbob World mobile default: minimum ₹5, maximum ₹2 lakh/transaction, ₹5 lakh/day. Current retail Internet Banking table: ₹10 lakh/transaction and ₹25 lakh/day. RBI NEFT itself has no system floor/ceiling.

RTGSbob World mobile: minimum ₹2 lakh, maximum ₹2 lakh/transaction, ₹5 lakh/day. Current retail Internet Banking: ₹10 lakh/transaction, ₹25 lakh/day. RBI minimum remains ₹2 lakh and the RBI system has no maximum.

IMPSbob World mobile beneficiary transfer: ₹2 lakh/transaction/day; instant IMPS without beneficiary ₹25,000/transaction and ₹50,000/day. Current retail Internet Banking: ₹5 lakh/transaction/day. NPCI system ceiling is ₹5 lakh/transaction.

Beneficiary controlsNew beneficiary registration uses OTP + transaction PIN; current bob World FAQ states 4-hour cooling for IMPS/NEFT and 24-hour cooling for RTGS.

Cooling / first-use stateThe rail-specific waiting period blocks immediate use of a newly added beneficiary; after cooling, the applicable mobile or Internet Banking limit table controls.

Charges / waiver scopeCurrent generic service-charge page: savings-bank NEFT nil; RTGS outward ₹24.50 (₹2–5L) / ₹49.50 (>₹5L) excluding GST; retail IMPS from 1 Oct 2025 ₹2.50/₹5/₹15 by slab up to ₹5L. Product-specific waivers remain possible.

Availability / settlementIMPS is instant; RBI NEFT and RTGS are 24x7. Bank of Baroda mobile/web operational availability and planned maintenance remain additional channel constraints.

Failure / return / reversalbob World states timed-out fund transfers are refunded within the defined TAT. The specific rail status and bank complaint route should be used before repeating a pending transfer.

Maintained terms

Fees, balances, benefits, limits and eligibility without a single-score shortcut.

These six fields are the cross-product layer. The specialist section above controls whenever a type-specific field is more precise.

Eligible account / channelRequires an eligible Bank of Baroda account and channel registration. Underlying account scheme and mode of operation can alter eligibility and charges.

NEFT / RTGS / IMPS coveragebob World and bob World Internet Banking both support IMPS, NEFT and RTGS, but Bank of Baroda publishes separate default limit tables rather than one bankwide number.

Transfer access / eligibilityEligible Bank of Baroda savings/current/overdraft and other supported accounts subject to mode of operation, transaction rights and bank channel requirements.

Fit & cautions

Who this record appears designed for—and what can break the fit.

Best-fit wording summarizes the published proposition. It is not individualized financial advice or an approval prediction.

Potential fit

Bank of Baroda customers who need a precise mobile-versus-web view because the same NEFT/RTGS/IMPS rail has materially different transfer ceilings depending on channel.

Verify before relying

New IMPS/NEFT beneficiaries have a four-hour cooling period, while RTGS beneficiaries have a 24-hour cooling period in the current bob World FAQ.
Bank of Baroda's mobile and web limits differ materially: a ₹2 lakh mobile RTGS transaction maximum is not the same as the current ₹10 lakh Internet Banking transaction maximum.
Service charges can be waived by specific account propositions; the generic service-charge schedule is not used to remove a documented account-specific waiver.

Maintained comparisons

Compare this product only where the pair is deliberately maintained.

Both sides keep independent review dates, exact conditions and first-party evidence. No winner score is generated.

State Bank of IndiaSBI Bank Transfers — NEFT, RTGS & IMPSBank of BarodaBank of Baroda Transfers — NEFT, RTGS & IMPSOpen comparison

Latest recorded review September 10, 2026Maintained pair Source-backed

Decision checks