BOB New Rules 2025: Bank of Baroda (BOB) is one of the largest public sector banks in India. This bank keeps bringing new rules and facilities from time to time to provide better services to its customers. Recently, Bank of Baroda has announced some new rules for 2025, which will come into effect from January 1, 2025. The purpose of these new rules is to provide more convenience to the customers and make the banking process easier.
In this article we will learn in detail about the new rules of Bank of Baroda 2025. We will see what these new rules are, how they will work and what benefits they will provide to customers. Whether you are an old customer of BOB or are thinking of opening a new account, this information is very important for you. So, without any delay, let us know about the new rules of BOB 2025.
Overview of BOB New Rules 2025
| Rule | Description |
| Emphasis on digital banking | Making all services available online |
| KYC updation | It is necessary to update KYC every 2 years |
| New FD Scheme | Launch of ‘BOB Super Saver FD’ |
| Increase in UPI limit | Daily UPI limit increased to Rs 5 lakh |
| green banking | Promote environmentally friendly banking practices |
| AI chatbot assistance | AI based chatbot for 24×7 customer service |
| biometric login | Fingerprint/Face ID Login for Mobile Banking |
| whatsapp banking | Banking services launched on WhatsApp |
Special focus on digital banking
Bank of Baroda is paying special attention to digital banking in 2025. Under the new rules, almost all the services of the bank will be available online. This will reduce the need for customers to go to the bank and they will be able to do their work sitting at home.
New features in BOB World app
- Voice Banking: Now customers will be able to do banking through their voice. Just say the command and the job will be done.
- WhatsApp Integration: The BOB World app is integrated with WhatsApp. Now you can do banking on WhatsApp also.
- QR Code Payment: Make instant payment by scanning the QR code.
- Virtual Debit Card: Secure virtual debit card for online shopping.
- Budget Planner: Smart budget planner to keep track of your expenses.
improvement in internet banking
- Fast Login: Login instantly with fingerprint or Face ID.
- Personalized Dashboard: Customize the dashboard as per your needs.
- Smart Alerts: Get real-time alerts on your account activities.
New rule of KYC updation
Bank of Baroda has changed the KYC (Know Your Customer) rules. Now every customer will have to update his KYC every 2 years. This will provide the bank with accurate information about customers and reduce the risk of fraud.
KYC updation methods
- Online Updation: Update KYC at home through BOB World App or Internet Banking.
- Video KYC: Get your KYC updated through video call.
- Bank Visit: If you cannot do it online, you can go to the bank to get your KYC updated.
Documents required for KYC
- Aadhar card
- PAN card
- passport size photo
- Address proof (electricity bill, ration card etc.)
New FD Scheme: BOB Super Saver FD
Bank of Baroda has launched a new FD scheme named ‘BOB Super Saver FD’. This scheme gives customers an opportunity to earn more interest.
Special features of BOB Super Saver FD
- Interest rate: 0.50% more interest than normal FD
- Time frame: 1 year to 5 years
- Minimum amount: Rs 10,000
- Maximum amount: no limit
- Interest Payment: Monthly, Quarterly, Half Yearly or Annual Options
For whom is it beneficial?
- For those saving for retirement
- For those who keep money for long term deposits
- For those looking for regular income
Big increase in UPI limit
Bank of Baroda has increased the daily limit of transactions through UPI (Unified Payments Interface). Now you can transact up to Rs 5 lakh in a day through UPI.
New UPI limit
| Transaction Type | old limit | new limit |
| daily limit | 2 lakh rupees | 5 lakh rupees |
| per transaction limit | 1 lakh rupees | 2 lakh rupees |
Benefits of increasing UPI limit
- Will be able to make large payments easily
- Cashless transactions will be promoted
- convenient for traders
Steps towards green banking
Bank of Baroda is emphasizing on eco-friendly banking practices in 2025. Many new rules have been brought under this.
New rules of green banking
- Paperless Banking: Most of the work will be done digitally, use of paper will be reduced.
- Solar Powered ATM: New ATMs will run on solar energy.
- Green Loan: Low interest loans for environmentally friendly projects.
- E-Statement: All bank statements will be sent over email.
- Recycled Material: Use of recycled materials in all branches of the Bank.
AI Chatbot: 24×7 Customer Support
Bank of Baroda has launched a new AI based chatbot which will help customers 24 hours. The name of this chatbot is ‘BOB Assistant’.
Features of BOB Assistant
- Multi-Language Support: Can speak Hindi, English and 10 other languages.
- Smart Understanding: Understands your question and gives accurate answers.
- Quick Response: Answers your question in seconds.
- Learning Capability: Learns and improves from every interaction.
What can you ask the BOB assistant?
- account balance
- Last 5 Transactions
- Nearest ATM Location
- Loan information
- FD interest rates
- and many more
Disclaimer: This article provides information about the new rules of Bank of Baroda. All information has been checked for accuracy, but cannot ensure that all details are complete and up to date. Please confirm with your nearest bank branch or official source before taking any financial decision. This information is for reference only and should not be taken as financial advice of any kind.