✅ CHAPTER 1 — Bob World Internet (Internet Banking)

1. Introduction

Bob World Internet = Internet Banking platform of Bank of Baroda.
It provides 24×7 banking for Retail & Corporate customers.
Launched: 14 September 2006
Upgraded to FEBA version: 25 November 2020

2. Types of Internet Banking Users

Retail Users

✔ All individual account holders
✔ Includes single, joint accounts

Corporate Users

✔ All non-individual accounts
(ex: Companies, Trusts, Firms)

3. Excluded Users

Bank will NOT provide Internet Banking to:

Category	Reason
Illiterate customers	Security & operational risk
Dormant accounts	Inactive accounts
Inoperative accounts	Frozen due to inactivity
Minor below 15 years	Age restriction
Accounts with garnishee/attachment orders	Legal restrictions

📝 Exam trick:
ID-MAG users can’t use Internet banking
I – Illiterate
D – Dormant
M – Minor <15
A – Attachment order
G – Inoperative

4. Key Features (Retail + Corporate)

✔ 24×7 access
✔ Account balance check
✔ Fund transfers (NEFT/RTGS/IMPS)
✔ Statement download
✔ Cheque services
✔ Requests for new cheque book, card block, address update
✔ Online bill payment
✔ E-commerce payments

5. Benefits for Retail Customers

✔ Single login for all accounts
✔ Secure transactions
✔ Immediate fund transfers
✔ Utility bill payments

6. Benefits for Corporate Customers

✔ Bulk file upload
✔ Maker-Checker facility
✔ Corporate level user controls
✔ MIS reports
✔ Payroll upload

⭐ IMPORTANT POINTS

Bob World Internet launched: 14 Sep 2006
Upgraded to FEBA: 25 Nov 2020
Retail = Individuals; Corporate = Non-individuals
Excluded users: ID-MAG
Internet banking allows NEFT/RTGS/IMPS and bill payments
No access for minors below 15 years

📘 NOTES

BOB Internet Banking = Bob World Internet
Retail = Individuals | Corporate = Non-individuals
Excluded = ID-MAG
FEBA upgrade = 2020
Offers fund transfer + bill pay + request services

📗 MCQ

FEBA upgrade date:
A) 20-10-2020 B) 25-11-2020 C) 25-12-2021 D) 12-06-2020
Ans: B
Bob World Internet was launched in:
A) 2004 B) 2005 C) 2006 D) 2008
Ans: C
Minimum age for Internet Banking:
A) 12 B) 14 C) 15 D) 16
Ans: C
Who is NOT eligible?
A) NRI B) Senior citizen C) Illiterate D) Joint account
Ans: C
Corporate Internet Banking is for:
A) Individuals B) Minor C) Non-individuals D) Students
Ans: C
Which mode is NOT available?
A) NEFT B) RTGS C) IMPS D) BHIM Aadhaar
Ans: D
Statement download allowed?
A) No B) Yes C) Only 6 months D) Only 1 year
Ans: B
Cheque book request possible?
A) Yes B) No C) Only branch D) Only corporate
Ans: A
Which account CANNOT use Internet Banking?
A) NRE B) Dormant C) Resident D) Senior Citizen
Ans: B
Internet Banking launched in:
A) July 2005 B) Sept 2006 C) Oct 2007 D) Dec 2008
Ans: B
FEBA stands for:
A) Financial Efficient Banking App
B) Finacle Enhanced Banking Architecture
C) Financial Electronic Banking
D) Finacle E-Banking Application
Ans: B
IMPS availability:
A) 10–5 B) 24×7 C) Office hours only D) Holidays only
Ans: B
Daily fund transfer limit can be:
A) Increased B) Decreased C) Both D) None
Ans: C
Corporate facility includes:
A) OTP only B) Maker-Checker C) Passbook printing D) ATM PIN
Ans: B
Retail user:
A) Company B) Firm C) Individual D) Trust
Ans: C
Who issues User ID?
A) Customer B) Bank C) Mobile app D) KYC office
Ans: B
Dormant accounts:
A) Allowed B) Not allowed C) Special approval D) Only ATM
Ans: B
Joint account Internet banking allowed?
A) Yes B) No C) Only senior citizen D) Only NRI
Ans: A
Which is an authentication factor?
A) Email B) Signature C) OTP D) Voice
Ans: C
Can customer block card online?
A) Yes B) No C) Only debit card D) Only credit card
Ans: A
Login password expiry:
A) 5 days B) 6 months C) 12 months D) Unlimited
Ans: B
Inoperative account:
A) Allowed B) Not allowed C) With charges D) Only view
Ans: B
Corporate IB supports:
A) Payroll B) Mutual fund C) ATM D) Passbook
Ans: A
Bill pay available?
A) Yes B) No C) Only mobile D) Only DTH
Ans: A
Online FD opening?
A) Yes B) No C) Only senior citizens D) Only NRI
Ans: A
IMPS charges:
A) High B) Free C) Depends D) Admin set
Ans: B
Password should be changed:
A) Weekly B) Monthly C) Periodically D) Yearly
Ans: C
User blocked due to wrong password?
A) No B) Yes C) Sometimes D) Never
Ans: B
OTP required for:
A) Login B) Sensitive transactions C) Logout D) Dashboard
Ans: B
Internet Banking is available:
A) Only weekdays B) Only office hours C) 24×7 D) 12 hours
Ans: C
First-time login requires:
A) Email B) OTP C) Signature D) Video call
Ans: B
Account linking possible?
A) Yes B) No C) Only FD D) Only Loan
Ans: A
Corporate Admin user created by:
A) Bank B) Customer C) NPCI D) RBI
Ans: B
Limit increase requires:
A) Branch B) Online C) Admin approval D) KYC
Ans: C
Service Request includes:
A) PAN update B) Card block C) Aadhaar update D) Locker
Ans: B

✅ CHAPTER 2 — BoB World (Mobile Banking App)

🔵 1. Introduction

BoB World = Mobile Banking App of Bank of Baroda.
It is the upgraded version of M-Connect Plus.

⚡ Tagline: “Bank on the Go”
✔ Available 24×7
✔ For all banking, investment, shopping, and lifestyle needs
✔ Combines banking + payments + shopping in one app

🔵 2. Main Features of BoB World

A. Basic Banking

Balance check
Mini statement & full statement
Fund transfer (NEFT, RTGS, IMPS, IFT, UPI)
Cash on Mobile
Scan & Pay
e-Passbook

B. Fund Transfers

Type	Limit per Transaction – Limit per Day
Third Party / NEFT / RTGS	5–10
IMPS Beneficiary	5–5
IMPS Instant	0.5–2
Self Transfer	∞ – ∞ (Unlimited)

C. Bill Pay & Recharge

Mobile/DTH recharge
Fastag recharge
Utility bill payments
Quick Bill Pay

D. Card Services

View debit/credit card details
Enable/disable card usage
Set ATM/POS/E-commerce limits
Virtual card availability
Block/replace card

E. Investment & Wealth

Mutual Funds (WMS)
Digital Gold
Fixed Deposit (FD) opening
Recurring Deposit (RD) opening

F. Insurance

Buy life, health, motor, home insurance
Get instant premium quotes
View policy details

G. Personal Finance Tools

Expense tracker
Spending alerts
Budget setting
Goal-based savings dashboard

H. Lifestyle & Shopping

Book hotels, flights, bus
Online shopping marketplace
Personalized deals & offers
Reward points redemption

I. Customer Support

24×7 in-app chatbot
Raise service requests:
✔ Chequebook
✔ Address change
✔ Statement
✔ ATM PIN generation
Branch/ATM locator via GPS

J. Security

App login + transaction PIN
Device binding
OTP for sensitive operations
Auto logout after 5 minutes
Secure, encrypted transactions

🔵 3. New UI/UX Features

Menu increased from 5 to 10 categories
New rich cards for better visual design
Voice-activated chatbot introduced
Cleaner layout for Save/Invest/Borrow/Shop options

🔵 4. UPI & bob इ Pay inside BoB World

BoB World integrates UPI features via bob इ Pay.

UPI supports:

VPA payments
Phone number payments
Scan & Pay
QR code payments
UPI Lite support

🔵 5. Transaction Limits

A. General Limits

Group	Code	Limit
TNR	Third Party, NEFT, RTGS	10 lakh
IMPS-B	Beneficiary	5 lakh
ID	Instant IMPS, Digital Gold	2 lakh
C5 – B1	Cash on Mobile / Bill Pay	5k / 1 lakh
UP ∞	UPI	No limit

⭐ IMPORTANT POINTS

✔ BoB Mobile App name = BoB World
✔ Rebranded from M-Connect Plus
✔ Transaction session timeout = 5 minutes
✔ Menu expanded from 5 → 10
✔ Voice chatbot added
✔ Fund transfer limits:

Third party = ₹5 lakh/transaction
IMPS Instant = ₹50,000
NEFT/RTGS = ₹5 lakh/transaction
✔ Digital Gold limit = ₹2 lakh/day
✔ FD/RD can be opened directly from app
✔ Supports UPI Lite (₹1,000 txn limit, ₹5,000 wallet balance)

🟩 REVISION NOTES

BoB World = Mobile Banking App → “Bank on the Go”
Upgraded from M-Connect Plus
Offers banking + shopping + insurance + investments
Voice chatbot + 10 menu categories
Major transfers:
- Third party: ₹5L/txn
- IMPS instant: ₹50k
- NEFT/RTGS: ₹5L
UPI integrated (bob इ Pay)
FD/RD opening allowed
Card controls (lock/unlock) available
Security: 5-minute session timeout

🟦 MCQ

1. BoB World is the upgraded version of:

A) Baroda Connect
B) Internet Banking
C) M-Connect Plus
D) BoB Lite
→ Answer: C

2. Session timeout for BoB World app is:

A) 3 minutes
B) 5 minutes
C) 10 minutes
D) 15 minutes
→ Answer: B

3. IMPS Instant limit per transaction:

A) 10,000
B) 25,000
C) 50,000
D) 2,00,000
→ Answer: C

4. Daily IMPS Instant limit in BoB World:

A) 50,000
B) 1,00,000
C) 2,00,000
D) 5,00,000
→ Answer: C

5. IMPS Beneficiary-based daily limit:

A) 2 lakh
B) 5 lakh
C) 10 lakh
D) 50k
→ Answer: B

6. Third-party transfer limit per transaction:

A) 2 lakh
B) 3 lakh
C) 5 lakh
D) 10 lakh
→ Answer: C

7. Third-party transfer limit per day:

A) 5 lakh
B) 10 lakh
C) 2 lakh
D) Unlimited
→ Answer: B

8. Digital Gold maximum daily limit:

A) 50,000
B) 1,00,000
C) 2,00,000
D) 5,00,000
→ Answer: C

9. Number of menus after UI upgrade:

A) 5
B) 10
C) 7
D) 12
→ Answer: B

10. The feature to track customer expenses:

A) Portfolio Manager
B) Card Insights
C) Expense Manager
D) Wallet
→ Answer: C

11. NOT a fund transfer mode in BoB World:

A) NEFT
B) RTGS
C) IMPS
D) AEPS
→ Answer: D

12. Payment method using QR code:

A) Card Pay
B) NFC Pay
C) Scan & Pay
D) Mobile Pay
→ Answer: C

13. Name of UPI inside BoB World:

A) BoB UPI
B) BHIM BoB
C) bob इ Pay
D) UPI World
→ Answer: C

14. Registered bill pay daily limit:

A) 10,000
B) 50,000
C) 1,00,000
D) 5,00,000
→ Answer: C

15. Cash on Mobile daily limit:

A) 1,000
B) 2,000
C) 5,000
D) 10,000
→ Answer: C

16. Accounts/services opened through BoB World:

A) FD only
B) RD only
C) Both FD & RD
D) None
→ Answer: C

17. UPI Lite supported in BoB World?

A) Yes
B) No
C) Only premium users
D) Only Android
→ Answer: A

18. Device-binding is:

A) Card binding
B) Profile lock
C) Device Binding
D) SMS Binding
→ Answer: C

19. Mini-statement shows last:

A) 5 txn
B) 8 txn
C) 10 txn
D) 20 txn
→ Answer: C

20. Available card services:

A) ATM PIN generation
B) Block card
C) Set limits
D) All
→ Answer: D

21. BoB World is available on:

A) iOS only
B) Android only
C) Both iOS & Android
D) Windows
→ Answer: C

22. First-time login requires:

A) Signature
B) OTP
C) Debit card
D) Aadhaar
→ Answer: B

23. Which is NOT provided in BoB World?

A) Mutual fund services
B) Digital Gold
C) Flight booking
D) PPF account closure
→ Answer: D

24. Personal finance summary is shown in:

A) E-Passbook
B) Expense Manager Dashboard
C) Savings Tracker
D) My Budget
→ Answer: B

25. “Bank on the Go” is the slogan of:

A) UPI
B) RTGS
C) BoB World
D) BBPS
→ Answer: C

26. High-value transaction requires:

A) CVV
B) Email
C) AFA
D) PAN
→ Answer: C

27. Customer can raise:

A) Address change
B) Cheque book request
C) Card block
D) All
→ Answer: D

28. Recharge options include:

A) Mobile
B) DTH
C) FASTag
D) All
→ Answer: D

29. Investment options supported:

A) Mutual funds
B) Digital Gold
C) FD/RD
D) All
→ Answer: D

30. UPI PIN reset supported?

A) Yes
B) No
C) Branch only
D) Only corporate
→ Answer: A

31. Shopping options include:

A) Hotel booking
B) Online shopping
C) Flights
D) All
→ Answer: D

32. Transaction password required for:

A) Logout
B) Settings
C) High-value transactions
D) Notifications
→ Answer: C

33. Tap & Pay available through:

A) BoB World app
B) Physical card
C) bob World Wave device
D) QR
→ Answer: C

34. BoB World is:

A) Banking only
B) Shopping only
C) Banking + Shopping + Investments
D) UPI only
→ Answer: C

35. Instant transfer mode:

A) NEFT
B) IMPS
C) RTGS
D) Cheque
→ Answer: B

36. QR Code payment uses:

A) RTGS
B) NEFT
C) UPI
D) Net banking
→ Answer: C

37. Loan dashboard displays:

A) Outstanding
B) EMI
C) Due date
D) All
→ Answer: D

38. UI upgrade introduced how many menu categories?

A) 2018 version
B) 2019 version
C) 2020+ redesign
D) 2016 version
→ Answer: C

39. Card limit setting available for:

A) ATM
B) POS
C) Online
D) All
→ Answer: D

40. NEFT per transaction limit:

A) 1 lakh
B) 2 lakh
C) 3 lakh
D) 5 lakh
→ Answer: D

41. NEFT daily limit:

A) 2 lakh
B) 5 lakh
C) 7 lakh
D) 10 lakh
→ Answer: D

42. UPI inside BoB World is powered by:

A) BHIM
B) SMS
C) bob इ Pay
D) VISA
→ Answer: C

43. First login authentication:

A) UPI PIN
B) Fingerprint
C) OTP
D) Aadhaar
→ Answer: C

44. Bill payment categories:

A) Electricity
B) Gas
C) Water
D) All
→ Answer: D

45. Debit card hotlisting availability:

A) Branch
B) BoB World
C) ATM
D) IVR only
→ Answer: B

46. Dashboard features include:

A) Spending
B) Investments
C) Shopping
D) All
→ Answer: D

47. Auto logout time due to inactivity:

A) Manual only
B) 1 min
C) 5 min
D) 15 min
→ Answer: C

48. Number of BoB accounts that can be linked:

A) One only
B) Two
C) Multiple
D) None
→ Answer: C

49. Standing instruction modification:

A) Yes
B) No
C) Branch only
D) Call center
→ Answer: A

50. Security supported by BoB World:

A) PIN
B) OTP
C) Biometric
D) All
→ Answer: D

✅ CHAPTER 3 — UPI & bob इ Pay (UPI Application)

🔵 1. Introduction to UPI

UPI (Unified Payments Interface) = Real-time payment system in India.

✔ Transfers money instantly
✔ Works 24×7
✔ No charges
✔ Uses VPA/UPI ID instead of bank details

UPI is used for:

Person-to-person transfer
Person-to-merchant payments
Online shopping, bill payments
QR code payments
Mobile number–based payments

Apps like bob इ Pay use UPI to provide these services.

🔵 2. What is bob इ Pay?

bob इ Pay = Bank of Baroda’s UPI Application.
It allows:

Send money
Request money
Scan & Pay
Recharge & bill payments
Merchant payments
Linking of multiple bank accounts

🔵 3. How UPI Transfers Money

You can transfer money through:

UPI ID (VPA)
QR code
Phone number
Aadhaar (if supported)
Account number + IFSC

No need to add a beneficiary like NEFT/RTGS.

🔵 4. bob इ Pay — Key Features

✔ Create your own UPI ID
✔ Link multiple bank accounts
✔ Set/Reset UPI PIN
✔ Check balance
✔ Scan any UPI QR
✔ Merchant payments
✔ Recharge (Mobile/DTH)
✔ Online shopping payments

🔵 5. UPI Transaction Limits (bob इ Pay)

Standard bob इ Pay limits

Limit Type	Amount
Per UPI Transaction	₹1,00,000 (general NPCI limit)
Daily Transaction Count	Bank specific
OTP/AFA requirements	As per NPCI guidelines

🔵 6. UPI Lite

✔ UPI Lite = small value transactions without PIN
✔ Runs inside bob इ Pay

UPI Lite Limits

Limit Type	Value
Per transaction limit	₹1,000
Max wallet balance	₹5,000
Daily spending limit	₹10,000

UPI Lite works offline sometimes → no need for full bank system load.

📝 Exam Trick:
UPI Lite = 1-5-10 rule

🔵 7. UPI PIN–Related Rule

To transfer money:

UPI PIN must be set/reset
Device must be verified
AFA (Additional Factor Authentication) applies for high-value transactions

🔵 8. Important Note

Fund Transfer immediately after:

Setting/resetting UPI PIN
Fresh registration / device re-verification

→ Limit is only ₹5,000 (security rule)
This is often asked in exams.

🔵 9. UPI Use Cases through bob इ Pay

P2P (Person → Person)
P2M (Person → Merchant)
E-commerce
Bill payments
Recharge
Ticket booking
Scan to Pay
QR-based payments at shops

⭐ IMPORTANT POINTS

✔ UPI = real-time payment system by NPCI
✔ bob इ Pay = BoB’s UPI app
✔ UPI uses VPA/UPI ID, not IFSC details
✔ UPI Lite = 1,000 per txn, 5,000 balance, 10,000 daily
✔ After UPI PIN reset → Limit = ₹5,000
✔ QR payment supported for all merchants
✔ Uses Immediate Payment Service (IMPS) rails
✔ 24×7 availability
✔ UPI = Instant + Free + Secure

🟩 LAST MINUTE REVISION NOTES

UPI = instant bank-to-bank transfer
bob इ Pay = BoB’s official UPI App
Works with UPI ID, number, QR
UPI Lite = 1-5-10 rule
PIN reset/new device → only ₹5,000 allowed
Used for P2P, P2M, bills, recharges, shopping
24×7, free, secure

🟦 UPI MCQ

1. UPI is developed by:

A) RBI
B) NPCI
C) NABARD
D) SBI
→ Answer: B

2. UPI works on which payment infrastructure?

A) NEFT
B) RTGS
C) IMPS
D) AEPS
→ Answer: C

3. UPI Lite per transaction limit is:

A) ₹500
B) ₹1,000
C) ₹2,000
D) ₹5,000
→ Answer: B

4. Maximum UPI Lite wallet balance:

A) ₹2,000
B) ₹3,000
C) ₹5,000
D) ₹10,000
→ Answer: C

5. Daily UPI Lite limit:

A) ₹5,000
B) ₹10,000
C) ₹20,000
D) ₹25,000
→ Answer: B

6. Maximum UPI transaction limit (RBI standard):

A) ₹50,000
B) ₹1 lakh
C) ₹2 lakh
D) ₹5 lakh
→ Answer: B

7. After UPI PIN reset, limit is restricted to:

A) ₹1,000
B) ₹5,000
C) ₹10,000
D) Not allowed
→ Answer: B

8. The UPI app inside BoB world is called:

A) BoB UPI
B) BHIM BoB
C) bob इ Pay
D) Baroda Pay
→ Answer: C

9. UPI stands for:

A) Unified Pay Interface
B) Unified Payments Interface
C) Universal Payment Integration
D) Unified Public Interface
→ Answer: B

10. UPI QR payments are:

A) Only P2P
B) Only P2M
C) Both P2P & P2M
D) Not allowed
→ Answer: C

11. VPA stands for:

A) Verified Payment Address
B) Virtual Payment Authentication
C) Virtual Payment Address
D) Variable Payment Address
→ Answer: C

12. UPI requires:

A) Account number
B) Aadhaar
C) Only VPA
D) Credit Card
→ Answer: C

13. Which is NOT a UPI handle of BoB?

A) @barodampay
B) @barodapay
C) @barodabank
D) @upi
→ Answer: D

14. PIN required for UPI Lite?

A) Always
B) Never
C) Only above ₹1,000
D) Only for merchants
→ Answer: B

15. UPI Lite is mainly used for:

A) Large payments
B) Small payments
C) International payments
D) ATM withdrawals
→ Answer: B

16. UPI is available:

A) Only office hours
B) 7 AM to 7 PM
C) 24×7
D) Banking hours
→ Answer: C

17. Bharat QR runs on:

A) UPI
B) IMPS
C) Both
D) None
→ Answer: A

18. Which is NOT a UPI transaction type?

A) P2P
B) P2M
C) M2P
D) P2PM
→ Answer: C

19. UPI Lite works on:

A) Offline mode for small payments
B) Always online
C) Only WiFi
D) Only 4G
→ Answer: A

20. UPI requires which authentication?

A) ATM PIN
B) Debit card details + OTP
C) CVV
D) Aadhaar only
→ Answer: B

21. bob इ Pay is maintained by:

A) NPCI
B) SBI
C) Bank of Baroda
D) RBI
→ Answer: C

22. UPI mandates which factor?

A) 1FA
B) 2FA (Two Factor Auth)
C) 3FA
D) No auth
→ Answer: B

23. Which is an example of a VPA?

A) 98765@upi
B) 123456789
C) bob1000
D) 9876-5432
→ Answer: A

24. To link a bank account to UPI, which is mandatory?

A) IMPS
B) IFSC
C) Mobile number linked with bank
D) Aadhaar
→ Answer: C

25. Which payment cannot be done on UPI?

A) Mobile recharge
B) Card-to-card direct transfer
C) Bill payment
D) Merchant QR payment
→ Answer: B

26. Credit card-on-UPI allows which cards currently?

A) Visa
B) Mastercard
C) RuPay Credit Cards
D) All
→ Answer: C

27. Which UPI service sends payment requests?

A) Pay to VPA
B) Collect Request
C) Merchant Pay
D) Scan & Pay
→ Answer: B

28. UPI Lite uses:

A) Linked bank account
B) On-device wallet
C) Cloud wallet
D) Prepaid card
→ Answer: B

29. UPI transactions require:

A) Internet only
B) SMS only
C) Internet + SMS verification
D) None
→ Answer: C

30. UPI Lite benefits include:

A) Faster small payments
B) No PIN needed
C) Reduced UPI load
D) All of these
→ Answer: D

31. UPI subscription/autopay is used for:

A) POPI
B) Mandate payments
C) VRP only
D) None
→ Answer: B

32. UPI Lite X allows:

A) Offline merchant payments
B) Offline P2P
C) Both
D) None
→ Answer: C

33. Which organisation regulates UPI?

A) NPCI
B) RBI
C) GOI
D) SEBI
→ Answer: B

34. Merchant payments in UPI are called:

A) P2P
B) P2M
C) M2M
D) M2P
→ Answer: B

35. UPI AutoPay allows:

A) EMIs
B) OTT subscriptions
C) Loan repayment
D) All
→ Answer: D

36. UPI Lite introduced in BoB on:

A) 2021
B) 2022
C) 2023
D) As per NPCI approval
→ Answer: D

37. bob इ Pay supports QR of:

A) Bharat QR
B) UPI QR
C) Merchant QR
D) All
→ Answer: D

38. UPI ID can be created in:

A) Bank branch
B) ATM
C) BoB World/bob इ Pay
D) Passbook
→ Answer: C

39. Settlement of UPI happens via:

A) NPCI
B) RBI
C) Bank itself
D) SEBI
→ Answer: A

40. UPI SPAM protection works with:

A) VPA blocking
B) Merchant restriction
C) Limit control
D) All
→ Answer: D

41. Which is NOT a UPI handle of BoB?

A) @barodampay
B) @barodabank
C) @barodapay
D) @paytm
→ Answer: D

42. bob इ Pay allows maximum daily transactions of:

A) 10
B) Unlimited
C) As per bank/NPCI
D) 5
→ Answer: C

43. UPI Pay-to-Contact allows payment using:

A) Email
B) Mobile number
C) ATM number
D) Aadhaar
→ Answer: B

44. UPI Autopay max limit per debit:

A) ₹2,000
B) ₹5,000
C) ₹10,000
D) ₹15,000
→ Answer: C

45. UPI Lite can be loaded via:

A) Debit card
B) Net Banking
C) UPI itself
D) All of these
→ Answer: D

47. bob इ Pay main function:

A) Insurance
B) Shopping
C) UPI payments
D) Loans
→ Answer: C

48. Which of these is NOT needed for UPI PIN setup?

A) Debit card expiry
B) Debit card number
C) CVV
D) PAN number
→ Answer: D

49. UPI can be linked with:

A) Savings account
B) Current account
C) Overdraft account
D) All
→ Answer: D

50. UPI password/PIN consists of:

A) 4 digits
B) 5 digits
C) 6 digits
D) 8 digits
→ Answer: C

✅ CHAPTER 4 — bob World Digital Rupee (CBDC / e₹)

🔵 1. What is Digital Rupee (e₹)?

Digital Rupee = CBDC = Central Bank Digital Currency of India
Issued by: Reserve Bank of India (RBI)

It is the digital form of physical cash, having:

Same value
Same legal status
Same denominations

It is NOT:

Cryptocurrency
UPI
Wallet money of private companies

Key Idea:
Digital Rupee = RBI-issued electronic cash.

🔵 2. Types of CBDC

India has two CBDC formats:

A. CBDC-R (Retail)

For: Public (individuals + merchants)
Used for:
✔ Shopping
✔ Transfers
✔ QR payments
✔ Merchant payments

B. CBDC-W (Wholesale)

For: Banks & financial institutions
Used for inter-bank settlement.

🔵 3. Features of Digital Rupee

✔ Like physical cash but stored digitally
✔ 24×7 instant settlement
✔ RBI liability (so, safest form of money)
✔ Can be used offline (future expansion)
✔ Can pay merchants using QR
✔ Interoperable with UPI QR codes

🔵 4. Major Milestones of BoB Digital Rupee

Date	Feature Released
17 Jan 2023	CBDC-R app launch (wallet → wallet transfers)
26 Aug 2023	UPI QR Interoperability (P2P & P2M)
04 Nov 2023	P2P UPI QR interoperability
07 Nov 2023	Whitelisting removed (available to all customers)
25 Jan 2024	Credit card loading blocked
06 Mar 2024	Bulk credit using CBDC
15 Mar 2024	Wallet loading via direct debit of BoB account
10 Apr 2024	CBDC integrated in SIEBEL CRM
30 Apr 2024	Auto-load + limit management + UPI intent
21 Jun 2024	Unsecured WiFi check
24 Sep 2024	Velocity / transaction limit checks
27 Sep 2024	Center number hiding for iOS registration

📝 Exam Trick:
Start = Jan 2023,
UPI = Aug & Nov 2023,
Wallet DD = Mar 2024,
Auto-load = Apr 2024,
Security = Jun & Sep 2024

🔵 5. How the Digital Rupee Wallet Works

You can:

Load wallet using linked BoB account
Load using UPI from ANY bank
Send e₹ to friends/family (wallet-to-wallet)
Pay merchants via QR
Receive payments instantly

🔵 6. Benefits of BoB Digital Rupee

✔ Load wallet via BoB account or UPI
✔ Instant money transfer 24×7
✔ All denominations available (₹1, ₹2, ₹5…₹2000)
✔ QR-based merchant payments
✔ Works like digital cash
✔ No transaction charges
✔ Can send/receive money with only mobile number or QR code

🔵 7. Possible Risks / Challenges

Cybersecurity risks
Impact on commercial banks (if deposits shift to CBDC wallets)
Tech dependency
User privacy concerns

🔵 8. Difference Between UPI and CBDC

Feature	UPI	Digital Rupee (CBDC)
Issuer	Banks	RBI
Type	Payment system	Currency itself
Settlement	Bank-to-bank	Instant final settlement
Needs bank a/c?	Yes	Not required for transfers
Works offline?	No	Planned
Privacy	Low	Higher (like digital cash)

📝 One-Line Memory:
UPI = payment system, CBDC = money itself.

🔵 9. Exam Recap

CBDC = RBI’s digital cash
BoB app features → wallet loads, QR payments, UPI interoperability, auto-load, 2023–24 timeline

⭐ IMPORTANT POINTS

CBDC = Digital Rupee (e₹)
Issued by: RBI
2 types: Retail (CBDC-R) & Wholesale (CBDC-W)
BoB Digital Rupee launched: 17 January 2023
UPI QR interoperability:
- 26 Aug 2023 (P2P & P2M)
- 04 Nov 2023 (P2P)
Wallet loading via direct debit: 15 March 2024
Auto-load feature: 30 April 2024
Digital Rupee = digital form of physical cash
Credit card loading to CBDC blocked: 25 Jan 2024

🟩 LAST MINUTE REVISION NOTES

CBDC = RBI-issued digital currency
e₹ behaves like physical money
BoB CBDC timeline: Jan’23 → Aug’23 → Nov’23 → Mar’24 → Apr’24
Retail = customers, Wholesale = banks
UPI interoperability = Aug & Nov 2023
Wallet load via account & UPI
Digital Rupee = Money, UPI = Payment system
No credit card loading allowed

🟦 MCQ

1. CBDC is issued by:

A) NPCI
B) RBI
C) SEBI
D) Ministry of Finance
→ Answer: B

2. Digital Rupee was launched in Bank of Baroda on:

A) 2021
B) 2022
C) 17 January 2023
D) 26 August 2023
→ Answer: C

3. UPI–CBDC QR interoperability (P2P & P2M) was launched on:

A) 17 Jan 2023
B) 26 Aug 2023
C) 07 Nov 2023
D) 25 Jan 2024
→ Answer: B

4. CBDC stands for:

A) Central Banking Digital Code
B) Central Bank Digital Currency
C) Centralized Banking Digital Coin
D) Central Bank Deposit Currency
→ Answer: B

5. CBDC Retail is meant for:

A) Banks only
B) Large corporations
C) General public
D) Government only
→ Answer: C

6. CBDC is considered as:

A) Cryptocurrency
B) Virtual token
C) RBI-backed digital currency
D) Wallet-only money
→ Answer: C

7. Which is NOT allowed in CBDC loading?

A) UPI
B) Bank account
C) Debit card
D) Credit card
→ Answer: D

8. Credit card loading to CBDC was blocked on:

A) 15 Mar 2023
B) 30 Apr 2023
C) 25 Jan 2024
D) 17 Jan 2024
→ Answer: C

9. CBDC wallet auto-load limit per mandate:

A) ₹10,000
B) ₹25,000
C) ₹15,000
D) ₹1,00,000
→ Answer: C

10. CBDC transactions are:

A) Settled end of day
B) Settled T+1
C) Real-time
D) Twice daily
→ Answer: C

11. e₹ is issued by:

A) NPCI
B) RBI
C) Bank of Baroda
D) SEBI
→ Answer: B

12. CBDC is equivalent to:

A) NEFT
B) UPI
C) Physical cash
D) Cheques
→ Answer: C

13. Which feature was enabled on 30 April 2024?

A) Auto-load
B) Offline mode
C) QR scanning
D) P2P
→ Answer: A

14. Wallet loading through Demand Draft enabled on:

A) 30 Apr 2024
B) 15 Mar 2024
C) 26 Aug 2023
D) 17 Jan 2023
→ Answer: B

15. What is NOT a feature of CBDC?

A) Programmability
B) RBI-guaranteed value
C) Cryptocurrency-style mining
D) Instant settlement
→ Answer: C

16. CBDC Pilot in India started in Retail on:

A) Dec 2022
B) Jan 2023
C) Apr 2023
D) Aug 2023
→ Answer: A

17. e₹ wallet is linked to:

A) UPI ID
B) Bank account
C) Mobile phone
D) Aadhaar only
→ Answer: B

18. Is CBDC interest-bearing?

A) Yes
B) No
C) Based on amount
D) RBI decides
→ Answer: B

19. CBDC can be used for:

A) P2P
B) P2M
C) QR payments
D) All of these
→ Answer: D

20. Which is correct for CBDC?

A) It is crypto
B) It is decentralised
C) It is issued by RBI
D) None
→ Answer: C

21. CBDC wallets are maintained by:

A) NPCI
B) RBI
C) Banks
D) NITI Aayog
→ Answer: C

22. CBDC can be loaded using:

A) UPI
B) Bank transfer
C) Auto-load
D) All of these
→ Answer: D

23. Which one is TRUE?

A) CBDC needs UPI PIN
B) CBDC P2P works like cash
C) CBDC has merchant fees
D) CBDC is a crypto
→ Answer: B

24. Offline CBDC payments are:

A) Allowed
B) Not allowed
C) Allowed in pilot
D) Only merchant
→ Answer: C

25. What does e₹ stand for?

A) Electronic Rupee
B) E-Retail Rupee
C) Enterprise Rupee
D) Emergency Rupee
→ Answer: A

26. e₹-R refers to:

A) Retail CBDC
B) Reserve CBDC
C) RBI CBDC
D) Regular CBDC
→ Answer: A

27. e₹-W refers to:

A) Wholesale CBDC
B) Wallet CBDC
C) Working capital CBDC
D) Wide-area CBDC
→ Answer: A

28. CBDC Retail users include:

A) Individuals
B) Private companies
C) Merchants
D) All of these
→ Answer: D

29. CBDC QR is used for:

A) ATM
B) POS
C) P2M/P2P
D) RTGS
→ Answer: C

30. CBDC works on:

A) Blockchain
B) Distributed ledger (could vary)
C) Token-based structure
D) All of these
→ Answer: C

31. Which is NOT a CBDC transaction type?

A) P2P
B) P2M
C) P2Bank
D) M2P
→ Answer: D

32. Merchant settlement in CBDC is:

A) Instant
B) T+1
C) T+2
D) Manual
→ Answer: A

33. Daily CBDC wallet loading limit:

A) ₹50,000
B) ₹1,00,000
C) As per APP/BANK
D) Fixed by NPCI
→ Answer: C

34. CBDC transactions use:

A) Card networks
B) UPI rails
C) Tokenised digital currency
D) AEPS
→ Answer: C

35. e₹ balance is visible in:

A) Passbook
B) UPI
C) CBDC wallet
D) ATM
→ Answer: C

36. QR interoperability connects CBDC with:

A) NEFT
B) UPI QR
C) AEPS
D) IMPS
→ Answer: B

37. e₹-R wallet can be used in:

A) BoB World
B) bob World e₹ app
C) Internet Banking
D) All
→ Answer: B

38. CBDC transactions require:

A) Payer’s bank
B) RBI digital ledger
C) Merchant bank
D) NPCI switch
→ Answer: B

39. CBDC is a liability of:

A) Bank of Baroda
B) NPCI
C) Reserve Bank of India
D) Government
→ Answer: C

40. Offline CBDC benefits include:

A) Network-free payments
B) Reduced load
C) Rural payments
D) All
→ Answer: D

41. CBDC-P2M means:

A) Person to Merchant
B) Person to Mandate
C) Person to Money
D) Person to Message
→ Answer: A

42. Which feature improves CBDC speed?

A) Auto-load
B) Token system
C) RBI wallet
D) UPI PIN
→ Answer: B

43. CBDC is currently in:

A) Full rollout
B) Closed beta
C) Pilot phase
D) Testing only
→ Answer: a

44. CBDC and UPI difference:

A) Both are same
B) UPI = Payment; CBDC = Money
C) CBDC = Payment; UPI = Money
D) Both are digital currency
→ Answer: B

45. Wholesale CBDC is used for:

A) Retail shops
B) Interbank settlement
C) Utility bill payment
D) Loan repayment
→ Answer: B

46. CBDC funding requires:

A) Aadhaar
B) PAN
C) Bank account
D) UPI ID
→ Answer: C

47. Which is a CBDC loading method?

A) UPI
B) Auto-load
C) Bank transfer
D) All
→ Answer: D

48. e₹ merchant payments support:

A) QR
B) Static QR
C) Dynamic QR
D) All
→ Answer: D

49. CBDC wallet login requires:

A) PIN
B) Password
C) Mobile OTP
D) Any of the above (bank decides)
→ Answer: D

50. CBDC major benefit:

A) Faster cashless payments
B) No settlement delay
C) High transparency
D) All
→ Answer: D

✅ CHAPTER 5 — bob World Wave (Wearable Payment Smartwatch)

🔵 1. What is bob World Wave?

bob World Wave = Bank of Baroda’s wearable smart watch that allows contactless payments.

✔ Works like a “tap & pay” debit card
✔ No need to carry physical card
✔ Also works as a health tracking smartwatch
✔ Partnered with GOQii (Make in India brand)

🔵 2. Eligibility Criteria

Eligible Accounts

Account Type	Mode of Operation
Savings Account	Self, Either/Survivor, Anyone/Survivor
Current Account	Self & Sole Proprietorship
Overdraft Account	Self

📌 Joint accounts allowed only in Savings (not in Current/OD).

🔵 3. Payment Limits

A. Contactless Payments

Transaction Type	Limit
Tap & Pay without PIN	₹5,000 per transaction
Max Tap & Pay transactions/day	5 transactions

B. Contactless Above ₹5,000

Requires PIN
Max limit = ₹1,00,000 at POS

C. E-commerce (Online Shopping)

Using non-payment dummy card details:

Max daily e-commerce limit = ₹1,00,000
Requires CVV + OTP

📝 Memory Trick:
Smartwatch Limits = 5 → 5 → 1 Lakh

Rs. 5000 tap
5 transactions/day
1 lakh POS/e-commerce

🔵 4. Health & Fitness Features (GOQii Smart Vital Plus)

✔ Track SpO2
✔ Track heart rate
✔ Blood pressure
✔ Body temperature
✔ Sleep tracking
✔ Steps, calories, distance
✔ Menstrual + pregnancy tracker
✔ ISO-certified health services
✔ IP68 dust & water resistant
✔ 7-day battery life (normal use)

🔵 5. Smartwatch Features

1.57-inch full-touch colour display
Music control
Multiple wallpapers
Alarms
Smart notifications
Magnetic charger (included)

🔵 6. Charges & Price

Item	Details
MRP	₹6,499 (incl. taxes)
Launch Offer Price	₹3,499 (incl. taxes)
Charger	Included

🔵 7. Key Benefits

✔ Contactless payments like a debit card
✔ No need to carry wallet/phone
✔ Fully digital banking support
✔ Track health vitals 24×7
✔ Ideal for fitness users + travellers
✔ Integration with GOQii health ecosystem

⭐ IMPORTANT POINTS

bob World Wave = Tap & Pay smartwatch
Partner brand = GOQii
Contactless limit without PIN = ₹5,000
Daily Tap & Pay transaction count = 5
Above ₹5,000 requires PIN
POS/e-commerce max limit = ₹1,00,000
Health features = SpO2, BP, Temp, HR, Sleep
IP68 water & dust resistant
Launch offer price = ₹3,499

🟩 REVISION NOTES

Wearable payment solution by BoB
Uses Tap & Pay (NFC-based)
5000 × 5 rule (₹5k limit, 5 Tx/day)
Max POS/e-com = ₹1 lakh
Fully health-featured smartwatch
Partner = GOQii
Price = ₹3,499 (launch)
Supports women’s health tracking

🟦 FLASHCARDS

Flashcard 1
Q: bob World Wave is used for?
A: Contactless (Tap & Pay) digital payments.

Flashcard 2
Q: Contactless limit without PIN?
A: ₹5,000/transaction.

Flashcard 3
Q: Daily Tap & Pay transactions allowed?
A: 5.

Flashcard 4
Q: POS/E-commerce daily limit?
A: ₹1,00,000.

Flashcard 5
Q: GOQii provides what for BoB?
A: The smart health watch (Smart Vital Plus).

Flashcard 6
Q: What health features are included?
A: SpO2, HR, BP, Temperature, Sleep.

Flashcard 7
Q: Water resistance rating?
A: IP68.

✅ CHAPTER 6 — Merchant Payment Solutions (POS, Payment Gateway, PayPoint)

🔵 1. bob World Merchant – POS (Point-of-Sale Machine)

POS Machine = Card Swipe/Tap Machine used by merchants to accept payments.

What it accepts:

✔ Debit cards
✔ Credit cards
✔ Prepaid cards
✔ Contactless (Tap & Pay)
✔ QR-based UPI payments

What it enables:

Offline payments at shops
Swipe, Dip, Tap modes
Accept UPI QR payments
Daily reconciliation for merchants

⭐ Key Advantages of BoB POS

✔ Supports multiple payment modes
✔ Fast settlement
✔ Safe & secure
✔ User-friendly
✔ Can also accept QR payments (UPI)
✔ Supports digital receipts

🔵 2. Baroda e-Gateway (Internet Payment Gateway)

Baroda e-Gateway = BoB’s online payment gateway for accepting payments on websites.

What is it used for?

Businesses can accept online payments from:

Debit/Credit cards
UPI (VPA + QR)
Wallets
Net banking of 40+ banks

Ideal for:

Schools/Colleges (fees)
Retailers
Mutual Fund companies
Insurance companies
Government institutes
Municipal corporations
Utility payment platforms
Online service providers

⭐ FEATURES of Baroda e-Gateway

✔ Accepts 10 foreign currencies
✔ Low transaction charges
✔ Easy integration (merchant website/app)
✔ Secure (Verified by Visa / MasterCard SecureCode)
✔ Detailed MIS portal
✔ Payments supported:

Cards
Net banking
Wallets
UPI
QR

🔵 3. Baroda PayPoint (Offline + Online Merchant Payment Portal)

Baroda PayPoint = Web/Mobile-based payment collection portal
Designed for merchants who may NOT have a website.

Why is it useful?

Merchants get:

Payment collection
Data management
Settlement
Accounting
Reconciliation

Even without any technical setup.

Best for:

Housing societies
Schools & colleges
Retail shops
NGOs
Small business owners

⭐ Benefits of PayPoint

✔ No website required
✔ Accepts offline & online payments
✔ Customizable payment solutions
✔ Secure transaction processing
✔ Automatic settlement reporting

🔵 4. Chargeback & Refund Procedure

Refund Process:

Merchant has login access
Can partially/fully refund to customer
Refund credited within 3–5 working days

Chargeback / Dispute Process:

Chargeback happens when:

Customer disputes a transaction
Duplicate payment
Processing error
Fraud
Non-receipt of goods/services

Steps:

Customer raises dispute → card issuer
Acquiring bank (BoB) contacts merchant for proof
Merchant submits documents (re-presentment)
Amount is returned if merchant wins
If merchant fails → money debited permanently

📝 Memory Trick:
Chargeback causes: D-D-P-F-N

Dispute
Duplicate
Processing error
Fraud
Non-fulfillment

🔵 5. Reconciliation & Settlement

Settlement Timelines

Payment Type	Settlement Time
Domestic Cards – IPG	T+1 working day
Domestic Cards – PayPoint	T+2 working days
International Cards	T+3 working days
Net Banking via Aggregator – IPG	T+2 working days
Net Banking via Aggregator – PayPoint	T+3 working days

Here, T = Transaction Date

⭐ IMPORTANT POINTS

POS = Accepts card + contactless payments
Baroda e-Gateway = BoB’s internet payment gateway
PayPoint = Merchant solution for those without website
e-Gateway supports 10 foreign currencies
Verified by Visa / MasterCard SecureCode
Refund → credited in 3–5 working days
Chargeback reasons: dispute, duplicate, error, fraud, non-fulfillment
Settlement timelines:
- Domestic cards → T+1
- PayPoint domestic → T+2
- International → T+3
- Aggregator Net banking → T+2 / T+3

🟩 LAST MINUTE REVISION NOTES

POS = Swipe, Dip, Tap + UPI QR
e-Gateway = Online business payments
PayPoint = Payment collection for businesses without websites
Supports cards, net banking, wallets, UPI, QR
Chargeback reasons = D-D-P-F-N
Refund = 3–5 days
Settlement = T+1, T+2, T+3 depending on payment type

✅ CHAPTER 7 — bob World Tab (TAB BANKING)

🔵 1. What is bob World Tab?

bob World Tab (TabIT) = Bank of Baroda’s tablet-based digital onboarding system.

It is an assisted banking platform used by branch staff to open:

Savings Accounts
Current Accounts
NRE/NRO Accounts
DEMAT & Trading Accounts

✔ Fully paperless
✔ Fast onboarding
✔ Used by staff during customer visits or at branches
✔ Helps increase CASA (Current Account Savings Account)

🔵 2. Key Purpose of Tab Banking

✔ Make account opening faster (instant)
✔ Remove paperwork
✔ Improve customer experience
✔ Digitize KYC & verification
✔ Expand customer base

🔵 3. Modes of Account Opening

Customers can open accounts using any of the following:

Mode	Explanation
Aadhaar + OTP	Paperless, instant authentication
Aadhaar + Biometric	Fingerprint-based eKYC
CKYC Search & Download	Fetches data from CKYC registry

🔵 4. Savings Bank Schemes Available on Tab Banking

22 Savings Account Schemes can be opened through bob World Tab:

⭐ Most important list (learn at least 10):

Category	Examples
General	Baroda Advantage SB, Baroda Super Saving
Salary Accounts	Baroda Salary Classic, Super, Premium, Privilege
Special Segments	Baroda Jeevan Suraksha, Baroda Senior Citizen Privilege
Government	Baroda Government Scholarship Account, Government Employee Salary Account
Youth/Kids	Baroda Champ
Women	Baroda Mahila Shakti
Professional	Baroda Professional Saving Account
Defence	Baroda Defence Salary Package
Digital	Baroda bob Lite, Baroda bob BRO
Home Loan Linked	HL-Linked SB Account
Pension	Baroda Advantage Pension Account

📝 Memory Trick:
S–S–G–W–D–P–Y
(Salary, Senior citizen, Government, Women, Digital, Professional, Youth)

🔵 5. Current Account Opening through Tab

BoB has digitized opening of:

Current Account – Individual / Sole Proprietor
Current Account – Non-individual (Partnership, Company)

✔ Faster onboarding
✔ Complete digitization
✔ Integrated backend processing

🔵 6. Important Circular Dates

Circular No.	Subject	Date
BCC:BR:116:539	Launch of NRE/NRO account opening on Tab	31 Aug 2024
BCC:BR:116:286	Opening accounts via Tab Banking	06 May 2024
BCC:BR:116:157	Opening SB account using CKYC	12 Mar 2024
BCC:BR:116:147	New functionalities in Current Account opening	27 Feb 2024
BCC:BR:116:50	DEMAT & Trading account via Tab	30 Jan 2024
BCC:BR:116:13	Aadhaar biometric authentication enabled	04 Jan 2024

📝 Memory Hack:
2024 Tab Banking upgrades follow pattern:
Jan → Feb → Mar → May → Aug
(13 → 50 → 147 → 157 → 286 → 539)

🔵 7. Benefits of bob World Tab

✔ Completely digital onboarding
✔ Supports Aadhaar & CKYC
✔ Faster CASA growth
✔ Reduces customer waiting time
✔ Ensures paperless KYC
✔ Improves accuracy & compliance
✔ Supports NRE/NRO, DEMAT, Current Accounts

⭐ IMPORTANT POINTS

bob World Tab = assisted digital onboarding platform
Supports Savings + Current + NRE/NRO + DEMAT accounts
Account opening through: Aadhaar OTP, Aadhaar Biometric, CKYC
22 types of Savings Accounts available
Key circulars:
- NRE/NRO Tab launch: 31 Aug 2024
- CKYC SB opening: 12 Mar 2024
- DEMAT account via Tab: 30 Jan 2024

🟩 LAST MINUTE REVISION NOTES

bob World Tab = Tablet Banking by BoB
Opens Savings, Current, NRE/NRO, DEMAT
Modes: Aadhaar OTP, Aadhaar Bio, CKYC
22 SB schemes available
Major circulars in 2024 (Jan, Feb, Mar, May, Aug)
Fully paperless onboarding

✅ CHAPTER 8 — Investment & Trade Platforms (Baroda M-Invest & BarodaINSTA SmartTrade)

🔵 1. BARODA M-INVEST APP (Digital Wealth Manager)

Baroda M-Invest = BoB’s online investment & wealth management app.

✔ Helps customers invest in mutual funds
✔ Completely paperless
✔ Provides goal-based investing
✔ Gives research-based recommendations

🔵 1.1 Key Features of M-Invest

✔ 100% online KYC
✔ Paperless investing & withdrawals
✔ Mutual fund recommendations
✔ Track investments in real-time
✔ Simple & jargon-free interface
✔ Works anywhere on mobile
✔ Straight-through processing (no manual approval delays)

🔵 1.2 Registration Steps

Step 1: Complete KYC in 2 minutes
Step 2: Withdraw money anytime
Step 3: Track portfolio in real-time
Step 4: Invest based on your goals in 30 seconds
Step 5: Select investment options
Step 6: Choose from recommended BoB partner mutual funds

📝 Exam Trick:
M-Invest = 2 mins KYC → 30 sec investing

🔵 1.3 Benefits for Customers

No paperwork
Easy to start investing
On-the-go tracking
Safe & secure
Suitable for beginners
Research-backed mutual fund choices

🔵 2. BARODA INSTA SMARTTRADE (Online Trade Finance Platform)

BarodaINSTA SmartTrade = Digital portal for foreign & inland trade transactions.
Useful for corporates, exporters, importers, MSMEs, and even individuals doing FX remittances.

🔵 2.1 What Customers Can Do on SmartTrade

✔ Initiate FX remittances
✔ Open LC (Letter of Credit)
✔ Submit BG (Bank Guarantee) requests
✔ Handle import & export documentation
✔ Perform paperless transactions
✔ Track all trade requests in real-time

🔵 2.2 Key Features

User-friendly dashboards
Real-time status tracking
Paperless workflow
Lower turnaround time (TAT)
Online access to MIS, debit advice, SWIFT messages
Notifications & alerts
Due-date management

🔵 2.3 Why SmartTrade Is Important

✔ Eliminates branch visits
✔ Improves efficiency for businesses
✔ Reduces processing errors
✔ Speeds up trade finance activities
✔ Secure & compliant with international standards

⭐ IMPORTANT POINTS

Baroda M-Invest

Digital wealth management app
Partnered with Finwizard Technology Pvt. Ltd.
100% paperless KYC
Goal-based investing
2-minute KYC, 30-second investing
Invest in BoB partner mutual funds

BarodaINSTA SmartTrade

Digital trade finance portal
For foreign & inland trade + FX remittance
Real-time dashboards
Paperless trade handling
MIS, SWIFT copies available online
Faster TAT & notifications

🟩 REVISION NOTES

M-Invest = Digital mutual fund investment app
Paperless KYC; real-time tracking
2-minute KYC → 30 sec investment
SmartTrade = Trade finance & FX portal
Supports LC, BG, imports/exports
Fully online & paperless

🟦 FLASHCARDS

Flashcard 1
Q: What is Baroda M-Invest?
A: Mobile app for digital mutual fund investing.

Flashcard 2
Q: M-Invest KYC time?
A: 2 minutes.

Flashcard 3
Q: M-Invest investment time?
A: 30 seconds.

Flashcard 4
Q: SmartTrade is used for?
A: Foreign & inland trade finance + FX remittances.

Flashcard 5
Q: Name two key features of SmartTrade.
A: Paperless transactions, real-time tracking.

Flashcard 6
Q: SmartTrade provides which documents online?
A: MIS, SWIFT copies, debit advice.

✅ CHAPTER 9 — Baroda DigiNext (Cash Management & Corporate Digital Solutions)

🔵 1. What is Baroda DigiNext?

Baroda DigiNext = Bank of Baroda’s corporate digital platform that helps large companies, MSMEs, and government bodies manage:

Collections
Payments
Reconciliation
Cash flows
Treasury operations

It supports a fully digital ecosystem for corporate finance.

🔵 2. Why DigiNext is Important?

It helps corporates:

Go cashless
Handle large-scale payments and collections
Integrate bank systems with ERP
Automate reconciliation
Reduce manual errors
Improve working capital management

🔵 3. Key Features of DigiNext

✔ A. Digital Ecosystem

Connects customers, suppliers, employees, government departments
Exchange financial data digitally
Automates business workflows

✔ B. Fast Receivables & Payments

Supports bulk payments
Faster fund movement
Helps in “just-in-time” funding
Improves cash flow

✔ C. MIS & Reconciliation

Real-time MIS
Automated reconciliation
Helps corporates track every transaction immediately

✔ D. Supports Multiple Payment Types

DigiNext allows single file processing for:

RTGS
NEFT
IMPS
IFT (Inter-bank transfer)

➡ One file → Multiple payment modes → Faster processing

✔ E. Customization for Corporate Needs

Corporates can set:

Daily transaction limits
Monthly limits
Maximum number of transactions
Authorization levels

✔ F. ERP Integration

Integration with ERP (SAP/Oracle)
Via SFTP & API
Automated payment initiation
Auto reconciliation

✔ G. Other Important Features

Automated SMS & email alerts
Future value-dated transactions
Grace period for authorization
Single sign-on for multiple accounts
Dashboard for quick status checking
Omni-channel (web/mobile/tablet) access

🔵 4. Benefits

✔ Builds complete digital ecosystem
✔ Corporate payments become faster
✔ Helps track receivables efficiently
✔ Reduces manual work
✔ Enhances transparency & control
✔ Improves treasury management
✔ Seamless integration with corporate ERPs

⭐ IMPORTANT POINTS

DigiNext = BoB’s Cash Management & Corporate Digital Platform
Supports RTGS/NEFT/IMPS/IFT in a single file
Integrates with ERP via API & SFTP
Provides real-time MIS
Offers future-dated payments
Supports customized user entitlements
Auto alerts: SMS + Email
Used by corporates + government departments

🟩 LAST MINUTE REVISION NOTES

DigiNext = Corporate CMS platform
Real-time MIS + automatic reconciliation
Single file for RTGS, NEFT, IMPS, IFT
ERP integration (API/SFTP)
Auto alerts & dashboard
Custom limits for users
Future-dated transactions allowed

Chapter 10: CARDS

(Credit, Debit & Prepaid Cards)

1️⃣ BoB Cards

Bank of Baroda (BoB) offers:

Credit Cards → Buy now, pay later + rewards + lifestyle benefits
Debit Cards → Linked to account; use own balance; ATM + POS + online
Prepaid Cards → Pre-loaded cards; spend up to loaded limit

Text Diagram (Classification)

BoB CARDS
├── CREDIT CARDS (BOBCARD series, Co-branded)
│   ├── Defence & Govt: VIKRAM, RAKSHAMAH, YODDHA, VARUNAH, Nainital RENAISSANCE
│   ├── Co-branded: IRCTC BOBCARD, HPCL ENERGIE
│   └── Retail: EASY, ETERNA, PREMIER, SELECT, PRIME (FD-backed)
│
├── DEBIT CARDS (bob World series, RuPay / VISA)
│   ├── Special Segments: AGNIVEER, Yoddha, Opulence, Visa Sapphire, EaseMyTrip
│   ├── Inclusion / Thematic: Braille, Bhoomi (green)
│   └── Business: VISA Vyapaar, RuPay Platinum DI
│
└── PREPAID CARDS
    ├── Baroda Reloadable (Physical / Virtual)
    ├── Gift Card (Physical / Virtual)
    └── Baroda TravelEasy Multi Currency Forex Card

🧩 SECTION A – CREDIT CARDS (BOBCARD SERIES)

1.1 Quick Classification

             ┌────────────────────────┐
             │   BoB CREDIT CARDS     │
             └────────────────────────┘
                     │
 ┌───────────┬───────────────┬───────────────┬───────────────┐
 │ Defence & │ Co-branded    │ Retail (General) │ Secured FD │
 │ Segment   │ (IRCTC, HPCL) │ Easy / Select /  │   PRIME     │
 │ (Vikram,  │               │ Premier / Eterna │            │
 │ Yoddha,   │               │                 │            │
 │ Rakshamah,│               │                 │            │
 │ Varunah,  │               │                 │            │
 │ Nainital) │               │                 │            │
 └───────────┴───────────────┴───────────────┴───────────────┘

1.2 Common Features (All Cards)

Area	Typical Pattern
Type	Unsecured, except BOBCARD PRIME (secured against FD)
Age (Primary)	21–65 years for general retail / co-branded cards
Age (Add-on)	18+ years
Rewards	5X / 10X / 15X RP per ₹100 (category-based)
Lounge Access	Defence & premium cards: domestic + international lounge visits
Insurance	Personal Accident: Air + Non-Air, varies (₹15L → ₹1Cr)
Memberships	FITPASS Pro, Amazon Prime, some OTT (on activation / milestone spends)
Fees	Mix of Lifetime Free (LTF) and Fee with reversal on achieving spend milestones

💡 One-line formula:

RP + Lounge + Insurance + Memberships + Fee Reversal = BoB card design pattern.

2️⃣ Defence & Segment-Specific Cards

2.1 Defence Cards – Visual Comparison

Card	Segment	Age (Primary)	Key RP Pattern	Lounge & Insurance	Fees
VIKRAM	Defence + Telangana & MP Police	18–60/61/62	5 RP/₹100 – Movies & Dept. Stores	Insurance ₹20L (Air+Non-Air)	LTF
RAKSHAMAH	Indian Coast Guard	18–70	10 RP/₹100 – Movies & Dept. Stores	8 lounges/year, ₹20L insurance	LTF
YODDHA	Indian Army	18–70	10 RP/₹100 – Movies & Dept. Stores	8 lounges/year, ₹20L insurance	LTF
VARUNAH (Premium)	Indian Navy	18–70	15 RP/₹100 – Travel/Dining/Online/Intl	Unlimited lounge, ₹100L + ₹10L	₹2,499
Nainital RENAISSANCE	Nainital Bank customers	21–65	5 RP/₹100 – Movies & Dept. Stores	No special lounge in text, normal retail	₹250 (rev.)

🧠 Mnemonic:
Army–YODDHA | Coast Guard–RAKSHAMAH | Navy–VARUNAH | Police/Defence–VIKRAM

2.2 BOBCARD VIKRAM

Item	Details
Segment	Defence, Telangana Police, MP Police
Age (Primary)	Defence: 18–60; TS Police: 18–61; MP Police: 18–62
Rewards	5 RP/₹100 on Movies & Departmental Stores
Perks	3 months Disney+ Hotstar (activation)
Insurance	₹20L (Air + Non-Air)
Fees	Lifetime Free (LTF)

🎯 Remember: VIKRAM = only 5 RP, not 10/15.

2.3 RAKSHAMAH & YODDHA – Same Structure

Feature	RAKSHAMAH (Coast Guard)	YODDHA (Army)
Age (Primary)	18–70	18–70
High RP Category	Movies & Dept. Stores	Movies & Dept. Stores
RP Rate	10 RP/₹100	10 RP/₹100
Other spends	2 RP/₹100	2 RP/₹100
Lounge	8 airport lounges/year	8 airport lounges/year
Memberships	6m FITPASS + 12m Amazon Prime	6m FITPASS + 12m Amazon Prime
Insurance	₹20L (Air+Non-Air)	₹20L (Air+Non-Air)
Fees	LTF	LTF

🧠 Trick:
“Coast + Army = Same 10 RP + 8 lounges + ₹20L + LTF”
Just remember names: RAKSHAMAH (Coast) and YODDHA (Army).

2.4 VARUNAH – Navy Premium Card

Item	Details
Segment	Indian Navy personnel & veterans (Sailors & Officers)
Rewards	15 RP/₹100 on Travel, Dining, Online, International
Other spends	3 RP/₹100
Lounge	Unlimited airport lounge access
Memberships	6m FITPASS Pro + 12m Amazon Prime
Insurance	₹100L (Air) + ₹10L (Non-Air incl. Sea)
Fees	₹2,499 joining & annual (not free)

🎯 Exam point: Only Defence card with fees + 15 RP + ₹1 Cr insurance = VARUNAH (Navy).

2.5 Nainital RENAISSANCE BOBCARD – Nainital Bank Only

Item	Details
Segment	Nainital Bank customers
Eligibility	Indian resident, 21–65; must have Nainital Bank a/c
Corporate	Must have CC/OD / CA / FD
Not eligible	Sole proprietorships
Rewards	5 RP/₹100 (Dept. & Movies), 1 RP/₹100 others
Fees	No joining fee, Annual ₹250, reversed at ₹25k spend

3️⃣ Co-Branded Cards – IRCTC & HPCL

3.1 Snapshot Table

Card	Focus Area	Max Reward Highlight	Key Fees
IRCTC BOBCARD	Train + daily spends	Up to 40 RP/₹100 on IRCTC ticket bookings	₹500 joining, ₹350 annual
HPCL ENERGIE	Fuel & LPG at HPCL	Up to 5% fuel saving (4% RP + 1% surcharge)	~₹499 (reversal on spends)

3.2 IRCTC BOBCARD

Item	Details
Segment	Train travellers, IRCTC users
Age	21–65 (Primary)
Income (Non-BoB)	Salaried ≥ ₹3.6L; SE ≥ ₹4.8L
Income (BoB)	Salaried/SE ≥ ₹2.4L
Rewards – IRCTC	Up to 40 RP per ₹100 on IRCTC bookings (website/app)
Other Rewards	4 RP/₹100 Dept. Stores; +2 RP/₹100 other spends
Fees	₹500 joining; ₹350 annual

3.3 HPCL ENERGIE BOBCARD

Item	Details
Segment	HPCL fuel & LPG customers
Income (Non-BoB)	Salaried ≥ ₹3.6L; SE ≥ ₹4.8L
Income (BoB)	Salaried/SE ≥ ₹2.4L
Fuel Benefit	Up to 5% savings at HPCL = 24 RP/₹150 (~4%) + 1% surcharge waiver
Bonus	500 RP on spend ≥ ₹5,000 in first 60 days
Fees	About ₹499 joining + annual (reversible)

4️⃣ General Retail Cards – Easy, Select, Premier, Eterna

4.1 Side-by-Side Comparison

Card	Income (p.a.)	Main Reward Category	RP Rate (High)	Travel Benefit	Insurance (Air)
EASY	≥ ₹3.0L	Dept. Stores & Movies	5 RP/₹100	–	–
SELECT	≥ ₹4.8L	Dining & Online	5 RP/₹100	–	₹15L
PREMIER	≥ ₹7.2L	Travel, Dining, International	10 RP/₹100	1 lounge/quarter	₹50L
ETERNA	≥ ₹12L	Travel, Dining, Online & International	15 RP/₹100	Unlimited lounge	₹100L

4.2 BOBCARD EASY – Entry Level

Item	Details
Income	Salaried ≥ ₹3L, SE ≥ ₹3.6L
Rewards	5 RP/₹100 – Dept. Stores & Movies
Fuel	1% surcharge waiver at all fuel stations
Fees	Joining ₹500; Annual fee reversed if:
Fee Reversal	Spend ₹6,000 in 60 days + ₹35,000 every anniversary

4.3 BOBCARD SELECT – Online + Dining

Item	Details
Income	≥ ₹4.8L
Rewards	5 RP/₹100 – Dining & Online spends
Fuel	1% fuel surcharge waiver
Insurance	₹15L (Air) + ₹5L (Non-Air)
Fees	Joining & Annual ₹750
Fee Reversal	Spend ₹7,500 in 60 days + ₹70,000 annually

4.4 BOBCARD PREMIER – Travel Companion

Item	Details
Income	≥ ₹7.2L
Rewards	10 RP/₹100 – Travel, Dining, International
Lounge	1 complimentary airport lounge visit / quarter
Insurance	₹50L (Air) + ₹10L (Non-Air)
Fees	Joining & Annual ₹1,000
Fee Reversal	Spend ₹10,000 in 60 days + ₹1,20,000 per year

4.5 BOBCARD ETERNA – Top Tier Premium

Item	Details
Income	≥ ₹12L p.a.
Rewards	15 RP/₹100 on Travel, Dining, Online & International
Lounge	Unlimited airport lounge access
Insurance	₹100L (Air) + ₹10L (Non-Air)
Bonus RPs	10k RP on ₹50k spend + 20k RP on ₹5L annual spend
Fees	₹2,499 joining & annual
Fee Reversal	Spend ₹25,000 in 60 days + ₹2,50,000 per year

5️⃣ FD-Backed Secured Card – BOBCARD PRIME

Feature	Details
Type	Secured Credit Card against Fixed Deposit
Eligibility	Age 18–85, FD ≥ ₹15,000
Documentation	No income proof required, guaranteed issuance
Fees	Lifetime Free (no joining / annual)

🎯 Exam Favourite Statement:

“Which BoB credit card is issued against FD of ₹15,000 or more with no income proof and LTF? → BOBCARD PRIME.

🔚 Tiny Summary Graphic (For Memory)

DEFENCE LTF SET:
VIKRAM  – 5 RP (Movies/Stores) + Disney+ + ₹20L
YODDHA  – 10 RP + 8 lounges + ₹20L
RAKSHAMAH – 10 RP + 8 lounges + ₹20L
VARUNAH – 15 RP + Unlimited lounge + ₹1Cr (Paid)

CO-BRANDED:
IRCTC  – 40 RP on IRCTC bookings
HPCL   – 5% fuel saving (4% RP + 1% waiver)

RETAIL:
EASY   – 3L income, 5 RP Dept+Movies
SELECT – 4.8L, 5 RP Online+Dining
PREMIER– 7.2L, 10 RP Travel+Dining+Intl
ETERNA – 12L, 15 RP + Unlimited lounge + ₹1Cr

SECURED:
PRIME  – Against FD ≥15k, LTF, no income proof

🧩 SECTION B – DEBIT CARDS (BoB)

B.1 Big Picture – How BoB Debit Cards Work

      ┌─────────────────────────┐
      │   BoB DEBIT CARDS       │
      └─────────────────────────┘
                │
     ┌──────────┴───────────┐
     │                      │
 Linked to Bank A/c   Used for:
 (SB / CA / OD)       • ATM cash withdrawals
                      • POS purchases
                      • E-com payments
                      • Contactless (tap)

B.1.1 Common Features

Feature Area	Typical Pattern
Linked To	Savings / Current / Overdraft accounts
Usage	ATM cash withdrawal, POS swipes, E-com payments
Contactless	Tap & pay up to ₹5,000 without PIN (general pattern)
Networks	RuPay, VISA (and variants like RuPay Platinum / Select, VISA DI, etc.)
Benefits	Lounge access, insurance, travel & lifestyle offers, fuel, OTT, gym, etc.

B.2 Special Segment & Premium Debit Cards – Overview Table

#	Card Name	Segment / Theme	Network / Type	Key Limits (ATM / POS)	Fees (Issuance / Annual)
1	bob world “AGNIVEER”	Agnipath Defence recruits	Standard Debit	₹50k / ₹1L per day	Nil / Nil
2	Virtual Debit Card	Online-only, via bob World	Virtual (no plastic)	Online only; no ATM	Currently Nil (virtual)
3	BoB World OPULENCE	Ultra-premium HNI	Premium VISA/RuPay	₹5L / ₹10L per day	₹9,500 / ₹5,000
4	BoB World VISA SAPPHIRE	High Net-worth	VISA	₹3L / ₹5L per day	₹750 / ₹750
5	EaseMyTrip Debit Card	Travel co-branded	(VISA/RuPay – travel)	As per product T&C	₹599 / ₹599 + taxes
6	RuPay Platinum DI	RuPay Platinum, DI enabled	RuPay Platinum DI	₹50k / ₹1L per day	As per bank schedule
7	VISA Vyapaar DI	Business current accounts	VISA DI	₹2L / ₹5L per day; cash deposit ₹3L	As per bank schedule
8	bob World Yoddha	Defence salary/pension (SB-186)	Premium Debit	₹1.5L / ₹5L per day	Nil / Nil
9	bob inSIGHT Braille	Visually impaired	RuPay Platinum	₹50k / ₹1L per day	₹300 / ₹300 (1st yr free)
10	bob Bhoomi RuPay Select	Green / eco-friendly (rPVC)	RuPay Select	₹1.5L / ₹5L per day	₹500 / ₹500 (1st yr free)

B.3 Card-wise Clean Notes

1️⃣ bob world “AGNIVEER” Debit Card

Segment:

Agniveers recruited under Agnipath Scheme
Salary a/c with scheme SB-186, constitution code AGNVE, mode: Self / EoS / AoS

Feature	Detail
ATM withdrawal	₹50,000 / day
POS / E-com limit	₹1,00,000 / day
Contactless	Up to ₹5,000 per txn without PIN
Insurance	Personal accident + total disability ₹10 lakh
Issuance / Annual Fees	NIL / NIL
ATM usage	Unlimited free at BoB ATMs

2️⃣ Virtual Debit Card (bob World)

Issued through:

bob World mobile app (self-generation)

Area	Detail
Eligibility	Individual self-operated SB / CA / OD; Joint a/c with EoS / AoS
Form	Virtual only, no physical plastic card
Usage	Online / E-com payments only
Control	Easy block / unblock in app
Fees	Currently no issuance fee
Note	If later converted to physical card, normal physical card fees apply

3️⃣ BoB World OPULENCE Debit Card (Ultra-Premium)

Segment:

Ultra-HNI customers with high balances

Feature	Detail
Eligibility	SB / CA with QAB ≥ ₹10,00,000
Mode	Self / Either or Survivor / Anyone or Survivor / Proprietor (CA)
ATM limit	₹5,00,000 per day
POS / E-com limit	₹10,00,000 per day
Lounge	Unlimited domestic & international lounge access
Travel perks	2 complimentary airport pick-up/drop per quarter
Hotel benefits	Select hotels like Taj Falaknuma, Umaid Bhawan, Alila Diwa
Issuance fee	₹9,500
Annual fee	₹5,000

4️⃣ BoB World VISA SAPPHIRE Debit Card

Segment: HNI but below Opulence

Feature	Detail
Eligibility	SB / CA with QAB ≥ ₹10,000 (lower threshold than Opulence)
ATM limit	₹3,00,000 per day
POS / E-com limit	₹5,00,000 per day
Lounge	2 domestic lounge visits per quarter
Airport transfer	1 complimentary airport pick-up/drop per quarter
Hotel benefits	Similar: Taj Falaknuma, Umaid Bhawan, Alila Diwa
Joining fee	₹750 (first year)
Annual fee	₹750 (second year onwards)

5️⃣ Bank of Baroda EaseMyTrip Debit Card

Theme: Co-branded Travel + Lifestyle debit card

Category	Benefit
Domestic flights	10% instant discount, max ₹1,000, no min order value
International flights	10% discount, max ₹5,000, no MOV
Domestic hotels	15% discount, max ₹5,000
International hotels	15% discount, max ₹10,000
Bus booking	10% discount, max ₹250
Lounge access	2 domestic + 2 international lounge access per year
OTT	Prime / Zee5 / SonyLiv (1 annual membership choice)
Shopping vouchers	BigBasket / Blinkit + Flipkart vouchers
Fees	Issuance: ₹599 + taxes; Annual: ₹599 + taxes

6️⃣ RuPay Platinum DI Debit Card

Network: RuPay Platinum with Domestic & International (DI) capability

Feature	Detail
ATM limit	₹50,000 per day
POS / E-com limit	₹1,00,000 per day
Contactless	Up to ₹5,000 without PIN
Insurance	Accidental cover up to ₹2 lakh
Lounge access	1 free domestic airport/railway lounge per quarter + 2 intl/year
Prepaid wallet	Small limits (load up to ₹2,000, etc.) for offline contactless use

7️⃣ VISA Vyapaar DI Debit Card (Business)

Segment: Business / Current Account customers

Feature	Detail
Target	Specific current account holders
ATM withdrawal	₹2,00,000 per day
POS / E-com	₹5,00,000 per day
Cash deposit	₹3,00,000 per day
International use	Allowed (VISA DI)
Contactless	Up to ₹5,000 without PIN

8️⃣ bob World Yoddha Debit Card (Defence)

Segment: Defence personnel with salary / pension a/c under SB-186

Feature	Detail
ATM limit	₹1,50,000 per day
POS / E-com limit	₹5,00,000 per day
Contactless	Up to ₹5,000 without PIN
Insurance	Accident + total disability cover ₹10 lakh
Lounge	2 domestic per quarter + 2 international per year
Lifestyle	Gym membership, spa session, golf access, health check-ups, etc.
Fees	No issuance / annual fee, unlimited free BoB ATM usage

9️⃣ bob inSIGHT Braille Debit Card

Theme: Accessibility & Financial Inclusion for visually impaired

Area	Detail
Network	RuPay Platinum
Accessibility	Braille dots “BOB”, rounded notch opposite chip, spot-UV texture
Eligibility	Visually impaired with eligible savings account, mode “SELF”
ATM limit	₹50,000 per day
POS / E-com	₹1,00,000 per day
Insurance	Up to ₹2 lakh (Accidental death / PTD)
Lounge	From 01.04.2025: 1 domestic + 1 international lounge per year
Prepaid wallet	Same small limits as RuPay Platinum DI
Fees	Issuance: ₹300 + taxes; Annual: 1st yr free, then ₹300+tax; Re-issue: ₹200+tax

🔟 bob Bhoomi RuPay Select Debit Card (Green / Eco)

Theme: Green banking – card made from recycled PVC (rPVC)

Feature	Detail
Network	RuPay Select
ATM limit	₹1,50,000 per day
POS / E-com limit	₹5,00,000 per day
Insurance	Personal accident cover up to ₹10 lakh*
Domestic lounge	1 per quarter (from 01.04.2025)
International lounge	2 per calendar year
Quarterly benefits	1 gym membership, 1 golf lesson/round, 1 health check-up, 1 SPA/salon, 1 cab voucher (₹100)
OTT	12-month Prime / Zee5 HD / SonyLIV once per year
Fees	Issuance: ₹500 + taxes; Annual: 1st yr free, then ₹500+tax; Re-issue: ₹200+tax

🧩 SECTION C – PREPAID CARDS

      ┌────────────────────┐
      │  PREPAID CARDS     │
      └────────────────────┘
          │         │
   Reloadable   Gift/Travel

C.1 Baroda Reloadable Card – Physical Variant

Item	Detail
Type	Prepaid EMV chip RuPay card
Load limits	Min ₹100, Max ₹1,00,000 (in multiples of ₹1)
Validity	Up to 36 months or card expiry (whichever earlier)
Reload	Reloadable multiple times (within max limit)
Compliance	Fully KYC & AML compliant
Usage	ATM withdrawal + POS + E-com where RuPay accepted
Alerts	SMS for activation, reload, expiry
Support	24×7 customer care + self-service portal
PIN	Can be changed at BoB ATMs

C.2 Baroda Reloadable Card – Virtual Variant

Feature	Detail
Form	No physical kit – virtual card only
Communication	10-digit kit number + load amount via SMS & email
Portal	User must visit bobprepaid.yappay.in to view & set PIN
Usage	E-com only (via OTP)
Features	Same as physical variant except ATM cash withdrawal not allowed

C.3 Gift Card – Physical & Virtual

Purpose: Replace cash for gifting

Item	Detail
Network	RuPay
Acceptance	All RuPay merchant outlets + online platforms
Online use	OTP-based secure e-com transactions
ATM	Not allowed
Support	24×7 customer service, SMS alerts
Activation	Instant activation; alerts to purchaser & beneficiary

C.4 Baroda TravelEasy Multi Currency Forex Card

Type: Prepaid international multi-currency VISA Platinum card

Feature	Detail
Currencies	USD, GBP, EUR
Usage	ATM withdrawals + POS + E-com at VISA-accepting points worldwide
Availability	At 150–220+ authorised forex branches in India
Eligible buyers	Account holders & non-account holders
Card tech	EMV chip, NFC-enabled
Validity	Minimum 3 years or card expiry date
Reload	Reloadable multiple times within FEMA limits
Mobile app	See wallet balances, cross-currency conversion, ATM locator, channel on/off
One card rule	1 active card per user per passport; lost/damaged card replaced

🔥 MOST IMPORTANT

Defence Credit Cards:
- VIKRAM → Defence + Telangana Police + MP Police, lifetime free, 5X on Movies & Dept. Stores
- YODDHA → Indian Army
- RAKSHAMAH → Indian Coast Guard
- VARUNAH → Indian Navy (15 RPs, unlimited lounge, ₹100L Air insurance)
FD-backed Credit Card:
- BOBCARD PRIME → against FD ≥ ₹15,000; guaranteed issuance; lifetime free
Travel / Co-branded Credit:
- IRCTC BOBCARD → up to 40 RPs per ₹100 on IRCTC bookings
- HPCL ENERGIE BOBCARD → up to 5% fuel savings at HPCL
- ETERNA → High-income premium card, unlimited lounge, 15 RPs on travel/dining/online/international
Premium Debit Cards:
- OPULENCE → QAB ≥ ₹10L; unlimited domestic + international lounges
- VISA SAPPHIRE → 2 domestic lounges/qtr, ATM limit ₹3L/day
- EaseMyTrip Debit → Travel discounts + lounge access
Inclusion / Thematic:
- bob inSIGHT Braille Debit Card → for visually impaired; Braille, notch, Spot-UV
- bob Bhoomi RuPay Select → rPVC eco-card; high limits + quarterly lifestyle benefits
- AGNIVEER Debit Card → for Agnipath recruits
Defence Debit:
- bob World Yoddha Debit → Defence salary/pension, high limits, lounge, gym, spa, golf
Prepaid:
- Baroda Reloadable → reloadable up to ₹1 lakh, ATM allowed (physical)
- Gift Card → no ATM, only POS/e-com, RuPay
- TravelEasy Multi Currency Forex → USD/GBP/EUR, VISA Platinum, app-based controls

Quick Mnemonics:

Defence Credit (Army–Navy–CG–General):
- A–Y, N–V, C–R, D–V
- Army → Yoddha, Navy → Varunah, Coast Guard → Rakshamah, Defence (mixed) → Vikram
Inclusion Cards:
- Braille → Blind support
- Bhoomi → Earth / Green (rPVC eco-card)

📊 VISUAL TABLE SUMMARY

1. Credit Cards

Card Name	Segment / Target	Key Benefit / Rewards	Fee Type
BOBCARD VIKRAM	Defence, Telangana & MP Police	5X RPs on Movies & Dept. Stores, LTF, ₹20L PA cover	Lifetime Free
RAKSHAMAH BOBCARD	Indian Coast Guard	10 RPs Dept/Movies, 8 lounges/year, Prime, FITPASS	Lifetime Free
YODDHA BOBCARD	Indian Army	10 RPs Dept/Movies, lounges, Prime, FITPASS	Lifetime Free
VARUNAH BOBCARD	Indian Navy	15 RPs Travel/Dining/Online/Intl, unlimited lounge	₹2,499 Joining & Annual
Nainital RENAISSANCE	Nainital Bank customers	5 RPs Dept/Movies, 1 RP others	No joining, ₹250 annual
IRCTC BOBCARD	Train travellers	Up to 40 RPs/₹100 on IRCTC bookings	₹500 joining, ₹350 annual
HPCL ENERGIE BOBCARD	Fuel users (HPCL)	~5% fuel savings, 24 RPs/₹150 + surcharge waiver	~₹499 joining & annual
BOBCARD EASY	Entry-level retail	5X on Dept & Movies, fuel waiver	₹500, reversal on spends
BOBCARD ETERNA	High-income premium	15 RPs Travel/Dining/Online/Intl, unlimited lounge	₹2,499, reversal on spends
BOBCARD PREMIER	Frequent travellers	10 RPs Travel/Dining/Intl, 1 lounge/qtr	₹1,000, reversal on spends
BOBCARD SELECT	Online shoppers & diners	5 RPs Online & Dining, fuel waiver	₹750, reversal on spends
BOBCARD PRIME	FD-based (secured)	Issued against FD ≥ ₹15K, LTF, no income proof	Lifetime Free

2. Debit Cards

Card Name	Segment / Purpose	Key Limits / Benefits
bob world AGNIVEER	Agnipath recruits	ATM ₹50K/day, POS ₹1L/day, ₹10L accident cover, no fees
BoB World OPULENCE	HNI with QAB ≥ ₹10L	ATM ₹5L/day, POS ₹10L/day, unlimited lounge, hotel perks
BoB World VISA SAPPHIRE	Affluent retail	ATM ₹3L/day, POS ₹5L/day, 2 dom lounges/qtr, pickup/drop
EaseMyTrip Debit	Travel-focused	10–15% travel discounts, 2 dom + 2 intl lounges/year
RuPay Platinum DI	Mass affluent	ATM ₹50K/day, POS ₹1L/day, lounge access, ₹2L insurance
VISA Vyapaar DI	Business / current a/c	ATM ₹2L/day, POS ₹5L/day, cash deposit ₹3L/day
bob World Yoddha Debit	Defence salary/pension	ATM ₹1.5L/day, POS ₹5L/day, lounges, gym, spa, no fee
bob inSIGHT Braille	Visually impaired	ATM ₹50K/day, POS ₹1L/day, Braille & tactile features
bob Bhoomi RuPay Select	Eco-conscious HNI	ATM ₹1.5L/day, POS ₹5L/day, gym/golf/spa/OTT, ₹10L cover
Virtual Debit Card	Online-only convenience	Cashless, app-controlled, no issuance fee (current)

3. Prepaid Cards

Card Name	Type	Main Use / Limits
Baroda Reloadable – Physical	Reloadable prepaid (RuPay)	Load ₹100–₹1L, ATM + POS + E-com
Baroda Reloadable – Virtual	Virtual-only prepaid	Online spends only, kit via SMS/email
Gift Card (Physical/Virtual)	RuPay gift prepaid	Gifting, POS/e-com only, no ATM withdrawal
Baroda TravelEasy Forex Card	Multi-currency VISA Platinum	USD/GBP/EUR abroad, reloadable, app support

⏳ QUICK REVISION SHEET

1. Super-High Yield One-Liners

Defence Credit Cards:
- Vikram = Defence + Telangana & MP Police, LTF, 5X Movies & Dept
- Yoddha = Indian Army
- Rakshamah = Coast Guard
- Varunah = Navy (15 RPs, unlimited lounge, ₹100L Air cover)
FD-based Card:
- BOBCARD PRIME = FD ≥ ₹15K, lifetime free, no income proof
Travel / Co-branded Credit:
- IRCTC BOBCARD → up to 40 RP/₹100 on IRCTC site/app
- HPCL ENERGIE → up to 5% savings on HPCL fuel
- ETERNA → Premium, unlimited lounge + 15 RP/₹100 on travel/dining/online/intl
Premium Debit:
- OPULENCE → QAB ≥ ₹10L, unlimited domestic & international lounge
- VISA SAPPHIRE → 2 domestic lounge/quarter
- EaseMyTrip Debit → heavy travel discounts + lounge
Inclusion / Theme:
- bob inSIGHT Braille → Braille + notch + Spot-UV; visually impaired
- bob Bhoomi RuPay Select → eco-friendly rPVC card, high limits + quarterly lifestyle offers
Defence Debit:
- AGNIVEER Debit → Agnipath recruits, ₹50K ATM + ₹1L POS, no fee
- bob World Yoddha Debit → high limits + gym/spa/golf, no fee
Prepaid Highlights:
- Baroda Reloadable → reloadable prepaid, ATM allowed (physical)
- Gift Card → no ATM, only POS/e-com, RuPay
- TravelEasy Forex → prepaid VISA multi-currency (USD/GBP/EUR)

2. Flash Mnemonics

Defence Credit Combo:
- VRY-V
- Vikram – Defence/Police
- Rakshamah – Coast Guard
- Yoddha – Army
- Varunah – Navy
Green & Inclusion:
- Bhoomi → Earth → Green rPVC
- Braille → Blind → inSIGHT card

CHAPTER 11 – WHATSAPP BANKING

1. Core Snapshot

Point	Detail
Channel	Chat-based digital banking on WhatsApp
Bank No.	8433888777
Launch	December 2020
Services	70+ functionalities
Languages	Hindi, English, Gujarati
Status	Revamped – improved UI & features

2. Registration (Activation) – 4 Methods

2.1 Super-Important Table

Method #	Method Name	How to Register (Short)	Key Word
1	Self-Registration	Save 8433888777 → send “Hi” → follow prompts	SELF
2	During Account Opening	In bob World tab, staff take consent → system auto-registers	ACCT
3	Branch – Finacle	Customer gives written request → staff use Finacle menu `WABREG`	BRANCH
4	bob World Internet (NetBank)	Login → Service → WhatsApp Banking → Activate	INTERNET

3. De-Registration – 3 Methods

3.1 Clean Table

Method #	Method Name	How to De-register (Short)
1	Self De-registration	In WhatsApp: Profile & Help → Registration Services → De-register
2	Branch – Finacle	Written request → branch uses `WABREG` to de-register
3	bob World Internet	Login → Service → WhatsApp Banking → Deactivate

4. Revamp – “What’s New” Features

4.1 UI & Navigation

Feature	Meaning (Short)
Rich Cards	Graphical cards with buttons/icons for services
Reorganized Main Menu	Earlier ~5 groups, now 10 main menus based on behaviour
Updated Quick Menu	Faster access to popular functions
Enhanced Quick Buttons	Especially useful for New-to-Bank (NTB) customers
Services in Welcome Msg	Service list shown along with welcome message

4.2 Intelligence & Input

Feature	Meaning
Voice Input	Customer can speak instead of typing
Voice-activated Chatbot	Chatbot responds to voice commands
NLP (Natural Language)	Understands free-text queries (natural language)

4.3 Platform & Control

Feature	Meaning
WhatsApp Button Use	Uses built-in WhatsApp buttons → less typing
Updated Terms & Conditions	Reflect new features, responsibilities & risks
Session Timeout	Still 5 minutes → balance of security + convenience

5. Advantages / Benefits

5.1 For Customers

Benefit	Explanation (Short)
24×7, anywhere	Works any time using WhatsApp
No extra app needed	Uses existing WhatsApp
Multi-language	Hindi / English / Gujarati
Simple interface	Menus, buttons, rich cards, voice input
Quick basic services	Balance, mini statement, some service requests

5.2 For Bank

Benefit	Explanation
Lower branch load	Customers do self-service on WhatsApp
Lower call centre load	Many queries moved to chat
Modern digital image	Positions BoB as tech-savvy
Cross-sell opportunity	Use rich cards for offers / product journeys

6. Risks & Limitations

Risk / Limit	What to Remember (Exam Angle)
Mobile number linkage	WhatsApp must run on customer’s own KYC-registered mobile
Fraud / Social engineering	If customer shares OTP / PIN / card details, fraud possible
Tech dependency	Needs smartphone + internet + updated WhatsApp
Session timeout = 5 min	If idle, session ends → must re-start

🔥 MOST IMPORTANT POINTS

✅ Launched: December 2020
✅ WhatsApp Number: 8433888777
✅ Languages: Hindi, English, Gujarati
✅ Functionality: 70+ services
✅ Registration – 4 Methods:
- Self (save number + send “Hi”)
- During Account Opening (bob World tab)
- Branch (Finacle WABREG)
- bob World Internet (Service tab)
✅ De-Registration – 3 Methods:
- Self (Profile & Help → Registration Services → De-register)
- Branch via WABREG
- bob World Internet (Service tab → deactivate)
✅ New Features / Revamp:
- Rich cards
- Voice input
- NLP-based access
- 5 → 10 main menus
- Quick menu & NTB buttons
- Session timeout: 5 minutes

CHAPTER 14 – BHIM AADHAAR BARODA PAY (BABP)

1.1 What is BHIM Aadhaar Baroda Pay?

Definition:
✔ BHIM Aadhaar Baroda Pay (BABP) is a merchant mobile app of Bank of Baroda.
✔ It allows merchants to receive digital payments from customers over the counter using:
- Android smartphone
- Biometric (fingerprint) device
- Customer’s Aadhaar number + biometric authentication
Key points:
- It is a digital payment acceptance solution.
- Interoperable → Any bank customer (with Aadhaar-linked account) can pay.
- Real-time credit → Funds go directly to merchant’s linked account after successful transaction.
- Per-transaction limit: ₹10,000
- Different from BHIM UPI (NPCI’s app) → This is Aadhaar-based, not UPI-based.

1.2 How does a Transaction Work? (Flow)

Customer comes to merchant with Aadhaar-linked bank account.
Merchant opens BHIM Aadhaar Baroda Pay app on mobile.
Customer enters Aadhaar number.
Customer gives fingerprint on biometric device.
Aadhaar authentication is done; amount debited from customer’s bank account.
Amount credited in real-time to merchant’s BoB account linked at registration.

1.3 Benefits – For Merchant & Customer

✔ Real-Time Settlement

Merchant gets instant credit in account.

✔ Customer Convenience

Customer does not need debit/credit card.
No need to carry cash; just Aadhaar + fingerprint.

✔ Cashless Transactions

Promotes less-cash economy, supports Digital India.

✔ No MDR for Merchant

No Merchant Discount Rate (MDR) – merchant receives full amount.

✔ Multiple Bank Support (Interoperable)

One app can receive payments from customers of any bank (Aadhaar-linked).

✔ 24×7 Availability

Can be used anytime, not restricted to branch hours.

1.4 Merchant Enrolment & Device Rent

Merchant must be onboarded on BABP, along with sale of biometric device.
Device charges:
- ₹1450 + GST (one-time rent) to be collected upfront at onboarding.
- No further rent to be recovered.
Amount to be credited to Account No. XXXX0042701079 (Rent recovery BHIM Aadhaar Biometric device).
Exception:
- In some cases, no charges may be collected if Cost Benefit Analysis (CBA) is positive and approved by Regional Authority.

1.5 Transaction & Purchase Limits (Important Figures)

Per-transaction limit:
✔ Minimum: ₹10
✔ Maximum: ₹10,000
Per-day limit (per merchant):
✔ Up to ₹2,50,000
Per-month limit (per merchant):
✔ Up to ₹10,00,000

1.6 Risks / Limitations – BABP (Conceptual Points)

Needs smartphone + biometric device → hardware dependency.
Requires customer’s Aadhaar to be linked with a bank account.
Risk of:
- Fake merchants using someone else’s biometric device.
- Customer must ensure they do not share Aadhaar / fingerprint carelessly.
Connectivity issues (network failure) can affect transaction success.

2. BHARAT CONNECT (BBPS)

2.1 What is Bharat Connect (Earlier BBPS)?

Name:
- New name: Bharat Connect
- Earlier name: Bharat Bill Pay System (BBPS)
Definition:
✔ An interoperable bill payment system that:
- Allows customers to pay all types of bills / recharges
- Through a network of agents and digital channels
- Using multiple payment modes
- Provides instant confirmation (SMS / receipt, etc.)
Regulator / Operator:
- RBI authorised,
- Operated under NPCI (National Payments Corporation of India).

2.2 National Importance

Bharat Connect / BBPS is an initiative of national importance because:
✔ It offers real-time bill payment to customers & non-customers.
✔ Works across geography (urban/rural) and demographic lines (all income groups).
✔ Promotes digital payments for routine bills.

2.3 Bank of Baroda’s Role in BBPS

RBI authorised Bank of Baroda as a BBPOU in May 2016.
BoB acts as:
1. Customer Operating Unit (COU) – for customers / non-customers to pay bills.
2. Biller Operating Unit (BOU) – for onboarding billers and collecting their payments electronically.
BoB’s BBPS system is certified by NPCI.

2.4 Current Scope – Types of Billers Covered

Bharat Connect covers repetitive / recurring payments such as:

✔ Utility & Telecom:

Mobile Prepaid, Mobile Postpaid, Landline, Broadband
Electricity
Water
Piped Gas
DTH Recharge
Cable TV

✔ Financial & Government Payments:

Municipal taxes & services
Mutual funds (SIP / other payments)
Credit card bills
Insurance premiums
Housing society charges
Loan repayment, RD / EMI / instalment deposits
FASTag recharge
Gas cylinder booking & payment
Subscription payments
Clubs and associations fees
Hospital collections, etc.

👉 In BoB’s system:

20,262 billers available (in text).
Out of these, 19,764 are educational institutes → big focus on education.

2.5 Bank of Baroda as Customer Operating Unit (COU)

BoB offers bill payment via multiple channels:

✔ Digital Channels:

bob World – Mobile Banking
bob World Internet – Net Banking (pre-login & post-login)
BoB e-PAY – UPI mobile app (can be used by any bank’s customers)
BHIM UPI app of NPCI (BoB customers can pay there also)

✔ Physical / Assisted Channels:

BoB Business Correspondent (BC) points
ATMs – as Agent Institution (AI)

2.6 Bank of Baroda as Biller Operating Unit (BOU)

BoB onboards billers like:

BESCOM – Bangalore Electricity (electricity bills)
HESCOM – Hubli Electricity Supply Company
Baroda FASTag – FASTag recharge
MTNL Mumbai – Landline / Broadband
Pimpri Chinchwad Municipal Corporation – water bills
Local Administration Dept., Puducherry – Municipal tax
Silvassa Municipal Council – water bills
BOB Financial Solutions Ltd. – BoB credit card bills
India First Life Insurance – insurance premium payments

2.7 Charges for Bharat Connect (BBPS)

Through Digital Channels (bob World, Net Banking, etc.):
✔ No charges from BoB (Nil service charge for bill payment).
Through BC Points (Business Correspondents):
✔ ₹2 + GST per bill payment (excluding DTH, Credit Card, LPG gas categories)
✔ This is over and above the bill amount.

3. BOB WORLD MERCHANT UPI QR SOUND BOX

3.1 What is UPI QR Sound Box?

Definition:
✔ A small speaker device linked with UPI QR of merchant,
✔ Gives instant voice confirmation whenever digital payment / UPI payment is received.
It is a BoB product for merchant customers using Bank of Baroda UPI QR.

3.2 Eligibility Criteria

Merchant must be:
✔ Using or opting for UPI QR with Bank of Baroda.
✔ Bank provides Sound Box device as an add-on.

3.3 Components & Variants

Product comprises:
- Sound box device
- Standee with QR code
3 Variants (as per need):
1. Sound Box with Display
2. Sound Box without Display
3. Sound Box with Display & Dynamic QR

3.4 Features & Benefits

✔ Instant Voice Payment Confirmation

Announces payment received immediately – helps in busy shops.

✔ SIM-based Connectivity

Connects using 4G SIM; No Wi-Fi required.

✔ Detachable QR & Type-C Charging

QR standee can be placed conveniently.
Type-C charging, modern port.

✔ Battery Backup

More than 24 hours backup.

✔ Multi-Language Voice

Voice announcement in multiple languages.

✔ Real-Time Notifications

Real-time alert of:
- Payments via QR
- Payments via VPA (UPI ID)

✔ All QR Codes Accepted

Accepts payments from any UPI app (PhonePe, Paytm, GPay, etc.).

✔ Transaction History

Merchant can view transaction history of payments received.

3.5 Fees & Charges (Rental Model)

Sound Box without Display (4G + Wi-Fi):
✔ ₹56 + GST per terminal per month
Sound Box with Display (4G + Wi-Fi):
✔ ₹57 + GST per terminal per month
Sound Box with Display & Dynamic QR:
✔ (As per text heading – model exists; detailed rent normally similar/higher; base info: monthly rental)

(Exact rental for dynamic QR model is indicated as a separate line item in your text.)

3.6 Advantages for Merchant

✔ No need to constantly check phone screen during rush hours.
✔ Prevents fraud where customers show old screenshot – sound box reads only actual success via bank.
✔ Enhances professional image.
✔ Encourages digital payments.

🔥 MOST IMPORTANT FOR EXAMS (MUST REMEMBER)

BHIM Aadhaar Baroda Pay (BABP)

👉 Type: Aadhaar-based merchant payment acceptance solution.
👉 Uses: Android Smartphone + Biometric fingerprint device.
👉 Customer enters Aadhaar + fingerprint → authentication → real-time credit to merchant account.
👉 Per-transaction limit: ₹10,000
👉 Per-day limit: ₹2,50,000
👉 Per-month limit: ₹10,00,000
👉 One-time device rent: ₹1450 + GST (no further rent).
👉 No MDR to merchant; 24×7 available.
👉 Different from BHIM UPI (NPCI app).

Bharat Connect (BBPS)

👉 Earlier known as Bharat Bill Pay System (BBPS).
👉 Interoperable bill payment system run under NPCI.
👉 Bank of Baroda authorised as BBPOU in May 2016.
👉 BoB acts as:
- COU (Customer Operating Unit) – for customer bill payments.
- BOU (Biller Operating Unit) – for biller onboarding.
👉 Current scope: Mobile, DTH, Electricity, Water, Piped Gas, Telecom, Municipal Tax, Mutual Fund, Credit Card, Insurance, Housing Society, Loan, RD/EMI, FASTag, Gas cylinder, Hospital payments, Subscriptions, Education fees, etc.
👉 Channels: bob World, bob World Internet, BoB e-PAY (UPI), BCs, BHIM UPI, ATMs.
👉 Number of billers: 20,262 (19,764 educational institutes).
👉 Charges:
- Digital channels: Nil
- BC point: ₹2 + GST (excluding some categories like DTH, Credit Card, LPG).

UPI QR Sound Box

👉 Provides instant voice confirmation for UPI payments.
👉 Available in 3 variants: with display, without display, with display & dynamic QR.
👉 SIM-based (4G), no Wi-Fi needed; 24+ hours battery.
👉 Accepts payments from any UPI app, voice in multiple languages.
👉 Monthly rental:
- Without display: ₹56 + GST
- With display: ₹57 + GST

SUMMARY

1 – BHIM Aadhaar Baroda Pay

Aadhaar-based merchant payment app using smartphone + biometric device.
Any bank customer with Aadhaar-linked account can pay.
Real-time credit to merchant’s BoB account; no MDR to merchant.
Limits:
- Min ₹10, Max ₹10,000 per txn
- ₹2.5 lakh per day, ₹10 lakh per month.
One-time device rent ₹1450 + GST, no further rent (unless waived).

2 – Bharat Connect (BBPS)

National-level bill payment system, earlier called BBPS.
BoB is BBPOU (COU + BOU).
Covers wide range of recurring payments (utility, telecom, education, credit card, loans, insurance, etc.).
Available via mobile banking, net banking, UPI apps, BCs, ATMs.
Very large number of billers, especially education.
Nil charges in digital channels; ₹2 + GST at BC points (for most categories).

3 – UPI QR Sound Box

Device paired with merchant’s BoB UPI QR.
Announces payment received instantly using voice.
Variants: with display / without display / with dynamic QR.
Uses 4G SIM, Type-C charging, 24-hour+ battery, multi-language audio.
Rental-based – around ₹56–57 + GST per month.

📊 VISUAL TABLE SUMMARY (PRINT-FRIENDLY)

Table 1 – Comparison of Three Products

Feature	BHIM Aadhaar Baroda Pay	Bharat Connect (BBPS)	UPI QR Sound Box
Product Type	Aadhaar-based merchant payment app	Interoperable bill payment system	Merchant UPI QR voice-confirmation device
Main User	Merchants (receive payments)	Customers & non-customers (pay bills)	Merchants using BoB UPI QR
Technology	Android + biometric device + Aadhaar	NPCI BBPS platform, multiple channels	4G SIM, QR code, speaker
Authentication	Aadhaar number + fingerprint	Account debit / UPI / other modes	Via UPI transaction confirmation
Limits	₹10,000 per txn; 2.5L/day; 10L/month	As per bill & channel	As per UPI/QR limits
Charges	No MDR to merchant; device rent 1450+GST	Digital: Nil; BC: ₹2+GST (most billers)	Rental ₹56–57+GST per month
Interoperability	Any bank customer with Aadhaar-linked a/c	All banks/billers integrated under BBPS	Accepts UPI from any bank/app
Purpose	Accept payments in shops without card	Pay recurring bills in one place	Confirm UPI payments by voice instantly
Availability	24×7	24×7 (most channels)	24×7 (device powered)

⏳ 2-MINUTE QUICK REVISION SHEET

1️⃣ Super-Fast Facts – BHIM Aadhaar Baroda Pay

What? Aadhaar-based merchant payment app using biometric.
Who pays? Any bank customer with Aadhaar-linked account.
How? Aadhaar No. + fingerprint → debit customer → real-time credit to merchant.
Limits:
- Min ₹10, Max ₹10,000 per txn
- Per day: ₹2,50,000
- Per month: ₹10,00,000
Cost: Biometric device ₹1450 + GST (one-time rent).
Charges: No MDR, 24×7.
Key difference: Not BHIM UPI; this is BHIM Aadhaar.

👉 One-liner:

“Aadhaar + Fingerprint = Real-time, cashless, no-MDR payment to merchant, up to ₹10k per txn.”

2️⃣ Super-Fast Facts – Bharat Connect (BBPS)

Old Name: Bharat Bill Pay System (BBPS).
Type: NPCI-run interoperable bill payment platform.
BoB Role: BBPOU (COU + BOU) since May 2016.
Covers: Electricity, Mobile, DTH, Gas, Water, Education fees, Credit cards, Insurance, Loans, FASTag, Hospital, Subscriptions, etc.
Channels:
- bob World (Mobile)
- bob World Internet (Net banking)
- BoB e-PAY (UPI app)
- BHIM UPI
- BC agents
- ATMs (as AI)
Charges:
- Digital → Nil
- BC point → ₹2 + GST (most billers).

👉 One-liner:

“Bharat Connect = one national platform for paying almost all recurring bills via any channel, with instant confirmation.”

3️⃣ Super-Fast Facts – UPI QR Sound Box

What? Small speaker device linked to BoB UPI QR.
Function: Announces payment received instantly in voice.
Variants: With display / Without display / With dynamic QR.
Tech: 4G SIM (no Wi-Fi), Type-C charging, 24+ hr battery.
Features:
- Accepts from any UPI app
- Multi-language announcements
- Transaction history view
Rent:
- Without display → ₹56 + GST/month
- With display → ₹57 + GST/month

👉 One-liner:

“UPI QR Sound Box = voice proof of UPI payment, no need to check phone screen.”

✅ CHAPTER-WISE MCQs

📘 CHAPTER 1 — Bob World Internet (Internet Banking)

1. Bob World Internet was launched on:
A. 2004
B. 2005
C. 2006
D. 2010
Answer: C

2. Bob World Internet was upgraded to FEBA on:
A. 14-09-2006
B. 25-11-2020
C. 12-12-2021
D. 30-01-2020
Answer: B

3. Corporate Internet Banking users are:
A. Individuals
B. Senior citizens
C. Minors
D. Non-individual entities
Answer: D

4. Which category is excluded from Internet Banking?
A. NRI customers
B. Senior citizens
C. Illiterate account holders
D. HUF
Answer: C

5. Minimum age for Internet Banking:
A. 10
B. 12
C. 15
D. 18
Answer: C

📘 CHAPTER 2 — BoB World Mobile Banking

1. BoB World is the upgraded version of:
A. e-Banking
B. BoB 360
C. M-Connect Plus
D. SmartBank
Answer: C

2. BoB World session timeout is:
A. 3 min
B. 5 min
C. 10 min
D. 15 min
Answer: B

3. Maximum IMPS Instant limit per transaction in BoB World:
A. 10,000
B. 50,000
C. 1,00,000
D. 2,00,000
Answer: B

4. Digital Gold daily limit:
A. 10,000
B. 50,000
C. 2,00,000
D. 5,00,000
Answer: C

5. Number of main menus after redesign:
A. 5
B. 10
C. 7
D. 12
Answer: B

📘 CHAPTER 3 — UPI & bob इ Pay

1. UPI Lite per transaction limit:
A. 500
B. 1,000
C. 2,000
D. 5,000
Answer: B

2. UPI Lite maximum wallet balance:
A. 2,000
B. 3,000
C. 5,000
D. 10,000
Answer: C

3. After UPI PIN reset, transaction limit is restricted to:
A. 1,000
B. 5,000
C. 10,000
D. 25,000
Answer: B

4. UPI runs on which payment infrastructure?
A. RTGS
B. NEFT
C. IMPS
D. AEPS
Answer: C

5. bob इ Pay is the UPI app of:
A. SBI
B. HDFC
C. ICICI
D. Bank of Baroda
Answer: D

📘 CHAPTER 4 — CBDC (Digital Rupee / e₹)

1. CBDC is issued by:
A. NPCI
B. RBI
C. Government of India
D. SEBI
Answer: B

2. Digital Rupee was launched in BoB on:
A. 2021
B. 2022
C. 17 January 2023
D. January 2024
Answer: C

3. UPI QR interoperability (P2P & P2M) was launched on:
A. 17 Jan 2023
B. 26 Aug 2023
C. 07 Nov 2023
D. 25 Jan 2024
Answer: B

4. CBDC Retail is for:
A. Banks
B. Insurance companies
C. Government only
D. General public
Answer: D

5. Which loading method is banned?
A. UPI
B. Bank account
C. Credit card loading
D. Auto-load
Answer: C

📘 CHAPTER 5 — bob World Wave (Wearable Payments)

1. Tap & Pay limit without PIN:
A. 2,000
B. 3,000
C. 5,000
D. 10,000
Answer: C

2. Daily Tap-and-Pay transaction count limit:
A. 3
B. 4
C. 5
D. 10
Answer: C

3. POS/e-commerce daily limit:
A. 25,000
B. 50,000
C. 1,00,000
D. 2,00,000
Answer: C

4. Smart Vital Plus health watch is manufactured by:
A. Xiaomi
B. Fitbit
C. Samsung
D. GOQii
Answer: D

5. Water resistance rating:
A. IP65
B. IP67
C. IP68
D. IP69
Answer: C

📘 CHAPTER 6 — Merchant Solutions (POS, Payment Gateway, PayPoint)

1. Baroda e-Gateway supports payments in how many foreign currencies?
A. 5
B. 8
C. 10
D. 12
Answer: C

2. Refunds to customers are credited within:
A. 1–2 days
B. 3–5 working days
C. 7–10 days
D. Immediate
Answer: B

3. PayPoint is meant for merchants:
A. With own website
B. Only offline
C. Only metro cities
D. Without website
Answer: D

4. Domestic card settlement for IPG is done on:
A. T+1
B. T+2
C. T+3
D. Same day
Answer: A

5. Chargeback is initiated due to:
A. Successful transaction
B. Cashback
C. Fraud/dispute/error
D. SMS failure
Answer: C

📘 CHAPTER 7 — Tab Banking (bob World Tab)

1. Tab Banking supports how many SB schemes?
A. 10
B. 15
C. 18
D. 22
Answer: D

2. NRE/NRO account opening through Tab started on:
A. Jan 2024
B. Mar 2024
C. July 2024
D. 31 Aug 2024
Answer: D

3. Which KYC modes are supported?
A. Aadhaar only
B. Video KYC only
C. Aadhaar OTP, Aadhaar Bio, CKYC
D. None
Answer: C

4. DEMAT account via Tab launched on:
A. 12 Mar 2024
B. 30 Jan 2024
C. 06 May 2024
D. 27 Feb 2024
Answer: B

5. bob World Tab is used by:
A. Customers
B. Retailers
C. Bank staff (assisted mode)
D. RBI
Answer: C

📘 CHAPTER 8 — M-Invest & SmartTrade

1. M-Invest app primarily deals with:
A. Insurance
B. Loans
C. Mutual Funds
D. Saving accounts
Answer: C

2. M-Invest KYC time is:
A. 30 seconds
B. 2 minutes
C. 10 minutes
D. 15 minutes
Answer: B

3. SmartTrade is used for:
A. Home loans
B. Agriculture loans
C. Trade finance & FX transactions
D. RD/FD opening
Answer: C

4. SmartTrade gives access to:
A. Mobile recharges
B. Movie booking
C. MIS, SWIFT copies, debit advice
D. E-commerce
Answer: C

5. M-Invest partner company:
A. Zerodha
B. Upstox
C. Paytm
D. Finwizard Technology Pvt. Ltd.
Answer: D

📘 CHAPTER 9 — Baroda DigiNext

1. Baroda DigiNext is mainly used by:
A. Students
B. Retail depositors
C. Farmers
D. Corporates & Government
Answer: D

2. Single file payment supports:
A. RTGS only
B. NEFT only
C. IMPS only
D. RTGS + NEFT + IMPS + IFT
Answer: D

3. DigiNext integrates with ERPs via:
A. NEFT
B. API & SFTP
C. Chatbots
D. SMS only
Answer: B

4. DigiNext provides:
A. Only statements
B. Real-time MIS & reconciliation
C. Only withdrawal slips
D. Only loan details
Answer: B

5. DigiNext allows:
A. No scheduling
B. Future value-dated transactions
C. ATM withdrawals
D. UPI P2P only
Answer: B

🎯 🔥 FULL SYLLABUS MIXED TEST (30 QUESTIONS)

(For exam simulation — answers provided at the end.)

1. Digital Rupee is issued by:

A. NPCI
B. UIDAI
C. RBI
D. BoB

2. UPI Lite wallet balance max:

A. 2,000
B. 5,000
C. 10,000
D. 20,000

3. bob World Wave Tap-and-Pay limit:

A. ₹5,000
B. ₹10,000
C. ₹2,000
D. ₹50,000

4. Baroda e-Gateway supports how many foreign currencies?

A. 5
B. 7
C. 9
D. 10

5. M-Invest is used for:

A. Insurance
B. Mutual Funds investing
C. Term Deposits
D. PPF

6. DigiNext integrates with ERP through:

A. Video KYC
B. API/SFTP
C. RTGS
D. WhatsApp

7. UPI uses:

A. RTGS
B. IMPS infrastructure
C. ATM network
D. Branch counters

8. NRE/NRO Tab account launch date:

A. 31 Aug 2024
B. Jan 2024
C. Feb 2024
D. Mar 2024

9. BoB World session timeout:

A. 3 minutes
B. 5 minutes
C. 10 minutes
D. 15 minutes

10. Credit card loading to CBDC was blocked on:

A. 2022
B. 25 Jan 2024
C. 17 Jan 2023
D. 30 Apr 2024

11. PayPoint is for merchants:

A. Large corporates
B. Banks
C. Without website
D. Hotels only

12. SmartTrade is used for:

A. Mutual funds
B. Trade finance
C. Gold investments
D. Microfinance

13. Tap-and-Pay transaction count per day:

A. 3
B. 4
C. 5
D. Unlimited

14. IMPS Instant limit in BoB World:

A. 10,000
B. 50,000
C. 25,000
D. 1,00,000

15. Bob World Internet was launched in:

A. 2004
B. 2005
C. 2006
D. 2011

16. CBDC retail is meant for:

A. Only corporates
B. Only banks
C. General public
D. Government

17. POS settlement for domestic cards:

A. Same day
B. T+1
C. T+2
D. T+3

18. UPI PIN reset → immediate limit:

A. 1,000
B. 2,000
C. 5,000
D. 25,000

19. BoB World menu count after redesign:

A. 5
B. 10
C. 12
D. 15

20. Digital Rupee launch date (BoB):

A. 2021
B. 2022
C. 17 Jan 2023
D. Feb 2024

21. Which is NOT a Tab Banking mode?

A. Aadhaar OTP
B. Aadhaar Biometric
C. CKYC
D. Video KYC

22. BoB World Wave partner brand:

A. Samsung
B. Apple
C. GOQii
D. Fitbit

23. SmartTrade provides:

A. Movie tickets
B. Insurance
C. SWIFT copy & MIS
D. FD calculator

24. CBDC QR interoperability date:

A. Jan 2023
B. Feb 2024
C. 26 Aug 2023
D. Aug 2024

25. Maximum Digital Gold purchase in BoB World per day:

A. 1 lakh
B. 2 lakh
C. 5 lakh
D. 50 lakh

26. Which service provides assisted account opening?

A. e-Gateway
B. UPI
C. bob World Tab
D. DigiNext

27. DigiNext supports:

A. Only RTGS
B. Only NEFT
C. RTGS + NEFT + IMPS + IFT
D. Only IMPS

28. Refund under POS/IPG credited in:

A. Immediate
B. 1 day
C. 3–5 working days
D. 10 days

29. Savings Bank schemes available on Tab:

A. 10
B. 15
C. 22
D. 30

30. Which is a feature of UPI Lite?

A. 5,00,000 limit
B. No PIN for small payments
C. Only works offline
D. Only works with credit card

Chapter 10: CARDS

A. CREDIT CARDS – GENERAL & BASIC (Q1–Q8)

Q1. Bank of Baroda credit cards generally offer which of the following broad benefits?
A. Only cash withdrawal facility
B. Rewards, interest-free credit period, lifestyle benefits
C. Only EMI conversion
D. Only overdraft against FD
Answer: B

Q2. The usual maximum interest-free credit period mentioned for BoB credit cards in the text is:
A. 30 days
B. 45 days
C. 50 days
D. 60 days
Answer: C

Q3. Which of the following is NOT a BoB credit card mentioned in the text?
A. BOBCARD EASY
B. BOBCARD PRIME
C. BOBCARD ULTIMA
D. BOBCARD PREMIER
Answer: C

Q4. Many BoB credit cards provide 5X Rewards. In exam terminology, this “5X” generally means:
A. 5 times annual fee
B. 5 Reward Points per ₹100 spent in specified categories
C. 5% cashback flat on all spends
D. 5 free add-on cards
Answer: B

Q5. “Lifetime Free” credit card in the given text means:
A. No joining fee & no annual fee, subject to bank’s policy
B. No finance charges on revolving credit
C. No late payment charges ever
D. Only first year fee is waived
Answer: A

Q6. Personal Accident Insurance cover on BoB credit cards is generally applicable for:
A. Air travel only
B. Non-air travel only
C. Both Air and Non-Air (as specified)
D. Only international travel
Answer: C

Q7. For add-on credit cardholders, the minimum age mentioned in most variants is:
A. 16 years
B. 18 years
C. 21 years
D. 25 years
Answer: B

Q8. For many standard BoB credit cards (Easy / Select / Premier / Eterna etc.), the primary cardholder age range is typically:
A. 18–80 years
B. 21–65 years
C. 25–60 years
D. 30–55 years
Answer: B

B. DEFENCE & SEGMENT-SPECIFIC CREDIT CARDS (Q9–Q18)

Q9. BOBCARD VIKRAM is designed primarily for:
A. Corporate CEOs
B. Defence personnel & certain Police personnel
C. NRI customers
D. Student segment
Answer: B

Q10. The minimum age for the Primary Cardholder for BOBCARD VIKRAM is:
A. 16 years
B. 18 years
C. 21 years
D. 25 years
Answer: B

Q11. For BOBCARD VIKRAM, which categories earn 5X Reward Points?
A. Fuel & Utilities
B. Groceries & Insurance
C. Movies & Departmental Stores
D. Airline Tickets & Hotels
Answer: C

Q12. BOBCARD VIKRAM offers which of the following subscription benefits on card activation?
A. 6 months Amazon Prime
B. 1 year Netflix
C. 3 months Disney+ Hotstar
D. 1 year Zee5
Answer: C

Q13. BOBCARD VIKRAM’s personal accidental insurance cover is:
A. ₹10 lakh (Air only)
B. ₹20 lakh (Air and Non-Air)
C. ₹50 lakh (Air only)
D. ₹100 lakh (Air)
Answer: B

Q14. RAKSHAMAH BOBCARD is specially designed for:
A. Indian Army
B. Indian Navy
C. Indian Coast Guard personnel & veterans
D. Nainital Bank customers
Answer: C

Q15. Which card gives 10 Reward Points per ₹100 spent on Departmental Stores & Movies, and 2 Reward Points on other spends?
A. BOBCARD EASY
B. RAKSHAMAH BOBCARD
C. BOBCARD SELECT
D. IRCTC BOBCARD
Answer: B

Q16. YODDHA BOBCARD is associated with which force?
A. Indian Army
B. Indian Navy
C. Indian Coast Guard
D. Telangana Police
Answer: A

Q17. VARUNAH BOBCARD is specifically designed for:
A. Indian Army
B. Indian Navy personnel & veterans
C. Coast Guard veterans only
D. Nainital Bank officials
Answer: B

Q18. The Premium variant of VARUNAH BOBCARD offers 15 Reward Points per ₹100 spent on:
A. Only Fuel
B. Only Departmental Stores
C. Travel, Dining, Online & International spends
D. Utility bills only
Answer: C

C. CO-BRANDED & SPECIAL CREDIT CARDS (Q19–Q26)

Q19. Nainital RENAISSANCE BOBCARD is issued to:
A. Any BoB customer without conditions
B. Only Indian Railways employees
C. Customers having relationship with Nainital Bank
D. Only NRI customers
Answer: C

Q20. For Nainital RENAISSANCE BOBCARD, Sole proprietorships are:
A. Fully eligible
B. Eligible with higher income
C. Not eligible
D. Eligible only for add-on cards
Answer: C

Q21. Which card is especially designed to make train journeys more rewarding with benefits on train ticket bookings?
A. HPCL ENERGIE BOBCARD
B. IRCTC BOBCARD
C. BOBCARD PREMIER
D. BOBCARD EASY
Answer: B

Q22. IRCTC BOBCARD offers up to how many Reward Points per ₹100 spent on train ticket bookings through IRCTC website & app?
A. 10
B. 20
C. 30
D. 40
Answer: D

Q23. For IRCTC BOBCARD, the minimum annual income required for a Non-BoB salaried customer is:
A. ₹2.4 lakh
B. ₹3.6 lakh
C. ₹4.8 lakh
D. ₹6.0 lakh
Answer: B

Q24. HPCL ENERGIE BOBCARD is primarily aimed at:
A. Travel abroad
B. Fuel & LPG purchases at HPCL outlets
C. Insurance premium payments
D. Mutual fund investments
Answer: B

Q25. The 5% savings on HPCL ENERGIE BOBCARD broadly comes from:
A. Flat 5% cashback
B. 24 Reward Points per ₹150 (≈4% savings) + 1% fuel surcharge waiver
C. 10 Reward Points per ₹100 + 2% cashback
D. Only fuel surcharge waiver
Answer: B

Q26. Which BoB credit card is against FD and guarantees issuance with minimal documentation?
A. BOBCARD EASY
B. BOBCARD SELECT
C. BOBCARD PRIME
D. BOBCARD PREMIER
Answer: C

D. RETAIL CREDIT CARDS – EASY / ETERNA / PREMIER / SELECT (Q27–Q34)

Q27. BOBCARD EASY requires minimum income of:
A. Salaried > ₹1 lakh p.a.
B. Salaried > ₹3 lakh p.a.
C. Salaried > ₹5 lakh p.a.
D. Salaried > ₹7.2 lakh p.a.
Answer: B

Q28. BOBCARD EASY offers 5 Reward Points per ₹100 on:
A. Dining & Online spends
B. Fuel & Utility
C. Departmental Stores & Movies
D. International spends only
Answer: C

Q29. BOBCARD EASY offers 1% fuel surcharge waiver at:
A. HPCL outlets only
B. All fuel stations across India
C. Only international fuel stations
D. Only BoB branches
Answer: B

Q30. BOBCARD ETERNA is targeted at customers with minimum annual income of:
A. ₹4.8 lakh
B. ₹7.2 lakh
C. ₹10 lakh
D. ₹12 lakh
Answer: D

Q31. BOBCARD ETERNA offers 15 Reward Points per ₹100 on:
A. Only fuel expenditures
B. Travel, Dining, Online & International transactions
C. Utility bill payments only
D. Offline spends only
Answer: B

Q32. BOBCARD PREMIER is primarily described as:
A. Student card
B. Worthy Travel Companion
C. NRI only card
D. Business corporate card
Answer: B

Q33. BOBCARD PREMIER offers 5X Rewards i.e. 10 Reward Points per ₹100 spent on:
A. Travel, Dining, International spends
B. Only on IRCTC bookings
C. Only on departmental stores
D. Fuel and utilities
Answer: A

Q34. BOBCARD SELECT is mainly focused on:
A. Gold purchases
B. Online shopping and Dining
C. Only fuel spends
D. Only insurance premium
Answer: B

E. DEBIT CARDS – GENERAL & AGNIVEER / YODDHA / HNI (Q35–Q42)

Q35. The Agniveer debit card is designed specifically for which customer segment?
A. Corporate payroll accounts
B. Defence personnel recruited under Agnipath scheme
C. Only pensioners
D. NRI remittance customers
Answer: B

Q36. The daily ATM cash withdrawal limit for bob world Agniveer Debit Card is:
A. ₹25,000
B. ₹50,000
C. ₹1,00,000
D. ₹1,50,000
Answer: B

Q37. For Agniveer Debit Card, the daily POS/E-com limit is:
A. ₹50,000
B. ₹1,00,000
C. ₹2,00,000
D. ₹5,00,000
Answer: B

Q38. BoB World OPULENCE debit card is typically issued to customers maintaining:
A. Zero balance account
B. QAB of ₹10,000
C. QAB of ₹1,00,000
D. QAB of ₹10,00,000
Answer: D

Q39. BoB World OPULENCE debit card offers which key lounge benefit?
A. 1 domestic lounge per year only
B. Unlimited domestic lounge access only
C. Unlimited domestic & international lounge access
D. No lounge access
Answer: C

Q40. BoB World OPULENCE debit card’s daily POS/E-com transaction limit is:
A. ₹50,000
B. ₹1,00,000
C. ₹5,00,000
D. ₹10,00,000
Answer: D

Q41. bob World Yoddha Debit Card offers maximum per day POS/E-com limit of:
A. ₹1,00,000
B. ₹2,00,000
C. ₹3,00,000
D. ₹5,00,000
Answer: D

Q42. bob World Yoddha Debit Card offers Personal accident and total disability cover of:
A. ₹2 lakh
B. ₹5 lakh
C. ₹10 lakh
D. ₹50 lakh
Answer: C

F. SPECIAL & INCLUSION DEBIT CARDS (Q43–Q46)

Q43. bob inSIGHT Braille Debit Card is specially designed for:
A. Senior citizens only
B. Visually impaired customers
C. NRI customers
D. MSME borrowers
Answer: B

Q44. Which of the following is NOT a physical feature of bob inSIGHT Braille Debit Card aiding visually impaired users?
A. Raised Braille dots with “BOB”
B. Rounded notch opposite the chip
C. Spot-UV glossy texture for tactile recognition
D. Embedded speaker to read balance aloud
Answer: D

Q45. bob Bhoomi RuPay Select Debit Card is primarily associated with which theme?
A. Women empowerment
B. Digital literacy
C. Green Banking & sustainability
D. Gold banking
Answer: C

Q46. bob Bhoomi RuPay Select Debit Card is crafted using:
A. Standard PVC only
B. Metal
C. Recycled PVC (rPVC)
D. Wood
Answer: C

G. PREPAID & FOREX CARDS (Q47–Q50)

Q47. The Baroda Reloadable Card – Physical Variant is:
A. A credit card
B. A prepaid EMV chip card in INR, reloadable
C. A debit card linked to savings account
D. An overdraft card
Answer: B

Q48. The maximum load amount on Baroda Reloadable Card – Physical Variant as per text is:
A. ₹10,000
B. ₹50,000
C. ₹1,00,000
D. ₹2,00,000
Answer: C

Q49. Which prepaid card mentioned is specifically for gifting and does NOT allow ATM cash withdrawal?
A. Baroda Reloadable Physical
B. Gift Card (Physical/Virtual)
C. Baroda TravelEasy Forex Card
D. bob world Agniveer Card
Answer: B

Q50. Baroda TravelEasy Multi Currency Forex Card can be loaded with which currencies as per text?
A. USD, GBP, EUR
B. USD, CAD, AUD
C. EUR, JPY, SGD
D. USD only
Answer: A

Chapter 11&12 MCQ

A. BASICS OF WHATSAPP BANKING (Q1–Q8)

Q1. Bank of Baroda’s WhatsApp Banking is best described as:
A. A dedicated mobile banking app
B. A chat-based digital banking service on WhatsApp
C. An internet banking portal
D. A telephone banking IVR system
Answer: B

Q2. BoB WhatsApp Banking was launched in:
A. January 2019
B. March 2020
C. December 2020
D. April 2021
Answer: C

Q3. Approximately how many functionalities are currently offered in BoB WhatsApp Banking?
A. 20+
B. 35+
C. 50+
D. 70+
Answer: D

Q4. Which of the following language combinations is supported by BoB WhatsApp Banking as per the given text?
A. English, Hindi, Marathi
B. Hindi, English, Gujarati
C. English, Tamil, Gujarati
D. Hindi, Bengali, English
Answer: B

Q5. BoB WhatsApp Banking is primarily meant to provide:
A. Only balance enquiry services
B. Only fund transfer services
C. A wide set of banking services and enquiries via WhatsApp
D. Only credit card-related services
Answer: C

Q6. Which statement is TRUE regarding BoB WhatsApp Banking?
A. It is available only to NRI customers
B. It requires installation of a special BoB WhatsApp app
C. It works through the normal WhatsApp platform using BoB’s official number
D. It can be used only during banking hours
Answer: C

Q7. The recent revamp of WhatsApp Banking primarily aims to:
A. Reduce the number of functionalities
B. Enhance customer experience and ease of use
C. Convert WhatsApp Banking into a paid service
D. Restrict usage to branches only
Answer: B

Q8. BoB WhatsApp Banking contributes mainly to which broader banking initiative?
A. Priority sector lending
B. Physical branch expansion
C. Digital / Instant Banking
D. Cash management services
Answer: C

B. REGISTRATION FOR WHATSAPP BANKING (Q9–Q18)

Q9. How many distinct methods of registration for BoB WhatsApp Banking are mentioned?
A. 2
B. 3
C. 4
D. 5
Answer: C

Q10. Which of the following is NOT a registration method for BoB WhatsApp Banking?
A. Self-registration by customer
B. Registration during account opening via bob World tab
C. Registration via Finacle menu in branch
D. Registration through ATM PIN change screen
Answer: D

Q11. For self-registration in WhatsApp Banking, customers must first:
A. Visit branch and submit a form
B. Install a special BoB chat app
C. Save BoB’s WhatsApp number and send “Hi”
D. Call customer care to get an activation code
Answer: C

Q12. What is the official BoB WhatsApp number used for WhatsApp Banking?
A. 8433888777
B. 8000888777
C. 1800843388
D. 8433000000
Answer: A

Q13. During account opening, WhatsApp Banking registration can be completed through:
A. Finacle core menu directly by customer
B. bob World tab with customer consent
C. Cheque book request form
D. ATM kiosk
Answer: B

Q14. Registration through branch staff is done via which Finacle menu?
A. WABMENU
B. WABCHK
C. WABREG
D. WABACT
Answer: C

Q15. For branch-based registration using WABREG, the precondition is:
A. Customer must hold a credit card
B. Customer must submit a written request
C. Customer must have Demat account
D. Customer must have a term deposit
Answer: B

Q16. Registration through bob World Internet Banking is done from which area?
A. Fund Transfer tab → WhatsApp Banking
B. Cards tab → WhatsApp Banking
C. Service tab → WhatsApp Banking
D. Profile tab → WhatsApp Banking
Answer: C

Q17. Which option correctly lists the four registration modes in sequence as per mnemonic “S A B I”?
A. Self, ATM, Branch, Internet
B. Self, Account opening, Branch, Internet
C. Self, Account opening, Business banking, Internet
D. Self, Agent, Branch, Insurance
Answer: B

Q18. The flexibility of multiple registration modes mainly ensures:
A. Higher interest rates on deposits
B. Easier and wider access for different types of customers
C. Reduced digital usage
D. Restriction of services only to urban customers
Answer: B

C. DE-REGISTRATION FROM WHATSAPP BANKING (Q19–Q24)

Q19. How many de-registration methods are specified for BoB WhatsApp Banking?
A. 1
B. 2
C. 3
D. 4
Answer: C

Q20. Self de-registration from WhatsApp Banking is done by navigating to:
A. Services → De-register → Logout
B. Profile & Help → Registration Services → De-register
C. Main Menu → Close Account → De-register
D. Funds Transfer → Deactivate WhatsApp
Answer: B

Q21. Branch-assisted de-registration of WhatsApp Banking is done through:
A. WABOFF menu
B. WABCLS menu
C. WABREG menu
D. WABDEL menu
Answer: C

Q22. For branch de-registration of WhatsApp Banking using WABREG, the customer must:
A. Give oral request only
B. Submit written request
C. Provide cheque leaf
D. Provide ATM PIN
Answer: B

Q23. De-registration through bob World Internet is done by:
A. Deleting the account in profile
B. Requesting cheque book
C. Going to Service tab → WhatsApp Banking → Deactivate
D. Using fund transfer menu
Answer: C

Q24. The mnemonic “S B I” for de-registration modes stands for:
A. Self, Branch, Internet
B. Service, Banking, Internet
C. Savings, Business, Investment
D. Self, Business, Insurance
Answer: A

D. FEATURES & REVAMP OF WHATSAPP BANKING (Q25–Q36)

Q25. “Rich cards” in WhatsApp Banking primarily improve:
A. Interest rate on deposits
B. Visual UI/UX and navigation
C. Credit appraisal process
D. KYC risk rating
Answer: B

Q26. Voice input capability in WhatsApp Banking enables customers to:
A. Open fixed deposits only
B. Give instructions through voice instead of typing
C. Talk to a live call centre agent
D. Record grievances as audio files
Answer: B

Q27. Natural Language Processing (NLP) in BoB WhatsApp Banking is used mainly to:
A. Translate messages automatically
B. Understand customer’s natural text input and map to functions
C. Detect fraudulent transactions
D. Convert statements to PDF
Answer: B

Q28. After revamp, the number of main menu groups in WhatsApp Banking increased from:
A. 3 to 5
B. 5 to 8
C. 5 to 10
D. 10 to 15
Answer: C

Q29. Previously, main menu groupings included which of the following sets?
A. Pay, Invest, Loan, Tax
B. Save, Invest, Borrow, Shop, Profile & Help
C. Home, Search, Account, Logout
D. Card, Trade, Forex, Demat
Answer: B

Q30. The increased number of main menus and use of rich cards mainly target:
A. Better UI/UX and easier navigation
B. Reduction of digital footprint
C. Restriction on service usage
D. Limiting access for rural customers
Answer: A

Q31. Session timeout in BoB WhatsApp Banking is currently set at:
A. 1 minute
B. 3 minutes
C. 5 minutes
D. 10 minutes
Answer: C

Q32. The 5-minute session timeout is meant to primarily balance:
A. Revenue and cost
B. Security and convenience
C. Credit and deposit
D. CASA and term deposit
Answer: B

Q33. “Enhanced Quick Buttons for NTB Customers” mainly helps:
A. Existing customers with long relationship only
B. New-to-Bank customers to access key services quickly
C. Only NRI customers
D. Only corporate customers
Answer: B

Q34. In the revamped design, a Services List along with Welcome Message is sent to:
A. Only staff users
B. Customers at the start of WhatsApp session
C. Auditors only
D. Only during loan sanction
Answer: B

Q35. Voice-activated chatbots in WhatsApp Banking allow customers to:
A. Control ATM transactions
B. Access services through simple voice commands
C. Change their mobile number automatically
D. Directly contact branch manager
Answer: B

Q36. Updated Terms & Conditions in WhatsApp Banking are primarily needed because:
A. Bank has changed its name
B. New digital services & risk-sharing require updated legal framework
C. RBI mandates T&C every month
D. Customers demanded shorter forms
Answer: B

E. SECURITY / LIMITATIONS – WHATSAPP BANKING (Q37–Q40)

Q37. A key security-related expectation from customers using WhatsApp Banking is to:
A. Share OTPs freely with friends
B. Never link WhatsApp to their own number
C. Ensure WhatsApp is registered with their correct KYC mobile number
D. Disable smartphone lockscreen
Answer: C

Q38. A major risk in any chat-based banking channel like WhatsApp Banking is:
A. Excess branch visits
B. Social engineering and phishing attacks on customers
C. Increase in cash transactions
D. Decrease in loan portfolio
Answer: B

Q39. WhatsApp Banking usage is dependent on which of the following?
A. Paper passbook
B. Cheque book
C. Smartphone and internet connectivity
D. Credit card physical presence
Answer: C

Q40. Which of the following is a limitation of WhatsApp Banking as compared to full mobile banking app?
A. Cannot handle chat-based interface
B. May have fewer advanced transaction features and depends on WhatsApp platform
C. Cannot show any data at all
D. Cannot ever be used for enquiries
Answer: B

F. BARODA M-INVEST – BASICS & FEATURES (Q41–Q46)

Q41. Baroda M-Invest is primarily a:
A. Loan origination app
B. Wealth management and mutual fund investment app
C. Credit card collection app
D. RTGS-only payment app
Answer: B

Q42. Baroda M-Invest is delivered through:
A. Desktop-only portal
B. Mobile app
C. WhatsApp chatbot
D. ATM network
Answer: B

Q43. Baroda M-Invest is described as a:
A. Paid portfolio manager
B. Free mobile investment manager
C. Physical advisory service
D. Only demat account opening app
Answer: B

Q44. The robo advisory partner for Baroda M-Invest is:
A. NPCI
B. Finwizard Technology Pvt. Ltd.
C. NSDL
D. CDSL Ventures
Answer: B

Q45. Which of the following is NOT a key feature of Baroda M-Invest?
A. Goal-based investing
B. Completely paperless KYC and investing
C. Research-based recommendations
D. Only branch-based manual form filling
Answer: D

Q46. Baroda M-Invest takes the guesswork out of investing by:
A. Removing all mutual funds from the platform
B. Combining world-class investment research with technology
C. Only providing fixed deposit options
D. Forcing customers to invest only in one scheme
Answer: B

G. BARODA M-INVEST – PROCESS, ADVANTAGES & RISKS (Q47–Q50)

Q47. According to the given steps, KYC registration in Baroda M-Invest can be completed in about:
A. 30 seconds
B. 2 minutes
C. 10 minutes
D. 1 hour
Answer: B

Q48. Which of the following is correct sequence as per the Baroda M-Invest steps?
A. Track → KYC → Withdraw → Goals → Choose → Recommended
B. KYC → Withdraw → Track → Goals → Choose → Recommended funds
C. KYC → Track → Withdraw → Choose → Goals → Recommended funds
D. Withdraw → KYC → Track → Goals → Choose → Recommended
Answer: B

Q49. Which of the following is a major advantage of Baroda M-Invest for customers?
A. Physical paperwork is mandatory
B. Investments can be tracked in real time and money can be withdrawn anytime
C. Customer must visit branch for every transaction
D. Only HNI customers can use the app
Answer: B

Q50. A conceptual risk associated with Baroda M-Invest, as with any mutual fund investment, is:
A. No market risk at all
B. Only operational risk, no price fluctuation
C. Market risk due to fluctuations in mutual fund NAV
D. Guaranteed fixed returns irrespective of market
Answer: C

Chapter 14: BHIM

A. BHIM AADHAAR BARODA PAY – BASICS (Q1–Q15)

Q1. BHIM Aadhaar Baroda Pay (BABP) is primarily a:
A. Mobile wallet for customers
B. Merchant mobile application to accept Aadhaar-based payments
C. Credit card issuing platform
D. Internet banking portal
Answer: B

Q2. BHIM Aadhaar Baroda Pay is a solution of which bank?
A. State Bank of India
B. Bank of Baroda
C. Punjab National Bank
D. Union Bank of India
Answer: B

Q3. BHIM Aadhaar Baroda Pay is used mainly for:
A. Online shopping only
B. Over-the-counter merchant payments using Aadhaar authentication
C. RTGS transactions
D. NEFT batch transfers
Answer: B

Q4. Which devices are required by a merchant to use BHIM Aadhaar Baroda Pay?
A. Feature phone and POS machine
B. Desktop computer and scanner
C. Android smartphone and biometric fingerprint device
D. Printer and barcode scanner
Answer: C

Q5. To perform a transaction on BHIM Aadhaar Baroda Pay, the customer typically provides:
A. Debit card and PIN
B. Aadhaar number and biometric (fingerprint)
C. Credit card and CVV
D. Virtual Payment Address only
Answer: B

Q6. BHIM Aadhaar Baroda Pay transactions are described as interoperable because:
A. They work only within Bank of Baroda
B. They work only within NPCI network
C. Any bank’s Aadhaar-linked customer account can be used for payment
D. They work only for government schemes
Answer: C

Q7. On successful transaction using BHIM Aadhaar Baroda Pay, the funds are:
A. Credited at end of day in merchant account
B. Credited weekly in merchant account
C. Credited in real-time to the merchant account linked at registration
D. Kept in wallet and later transferred manually
Answer: C

Q8. Which statement is TRUE regarding BHIM Aadhaar Baroda Pay and BHIM UPI app?
A. Both are exactly the same product
B. BHIM Aadhaar Baroda Pay is different from BHIM (NPCI UPI product)
C. BHIM Aadhaar Baroda Pay is owned by NPCI
D. BHIM UPI is only for merchants
Answer: B

Q9. What is the per-transaction maximum limit on BHIM Aadhaar Baroda Pay as per the text?
A. ₹2,000
B. ₹5,000
C. ₹10,000
D. ₹25,000
Answer: C

Q10. What is the minimum transaction amount allowed on BHIM Aadhaar Baroda Pay?
A. ₹1
B. ₹5
C. ₹10
D. ₹50
Answer: C

Q11. The maximum total purchase limit per day for a merchant using BHIM Aadhaar Baroda Pay is:
A. ₹50,000
B. ₹1,00,000
C. ₹2,50,000
D. ₹5,00,000
Answer: C

Q12. The maximum total purchase limit per month for a merchant under BHIM Aadhaar Baroda Pay is:
A. ₹2,50,000
B. ₹5,00,000
C. ₹10,00,000
D. ₹25,00,000
Answer: C

Q13. Which of the following is a key benefit for customers using BHIM Aadhaar Baroda Pay?
A. They must carry debit or credit card
B. They do not need to carry debit or credit card
C. Only cheque payment is allowed
D. Transactions are offline only
Answer: B

Q14. Which of the following is a key benefit for merchants using BHIM Aadhaar Baroda Pay?
A. High MDR on each transaction
B. No MDR is charged to merchants
C. Only weekly settlement of funds
D. Mandatory POS rental every month
Answer: B

Q15. BHIM Aadhaar Baroda Pay contributes mainly to which national initiative?
A. Make in India
B. Digital India and Less-Cash Economy
C. Swachh Bharat
D. Skill India
Answer: B

B. BHIM AADHAAR BARODA PAY – DEVICE, RENT & ENROLMENT (Q16–Q22)

Q16. For BHIM Aadhaar Baroda Pay, merchants are enrolled:
A. Without any device
B. Along with sale/provision of biometric fingerprint device
C. Only with debit card
D. Through ATM registration
Answer: B

Q17. What is the one-time rent to be collected from the merchant at the time of onboarding for the biometric device, as per circular?
A. ₹500 + GST
B. ₹999 + GST
C. ₹1450 + GST
D. ₹2000 + GST
Answer: C

Q18. After collecting the one-time rent of ₹1450 + GST, how much additional monthly rent is usually recovered from the merchant?
A. Same rent every month
B. Half rent every month
C. No further rent is required to be recovered
D. Double rent every month
Answer: C

Q19. The rent collected for biometric devices under BHIM Aadhaar Baroda Pay is credited to which type of account?
A. Merchant’s savings account
B. A specific rent recovery account (e.g., XXXX0042701079)
C. RBI account directly
D. Customer’s account
Answer: B

Q20. In some cases, no charges are to be collected from merchants for biometric device under BHIM Aadhaar Baroda Pay when:
A. Merchant is a government employee
B. Cost Benefit Analysis (CBA) is positive and approved by Regional Authority
C. Customer demands free device
D. RBI issues special circular
Answer: B

Q21. BHIM Aadhaar Baroda Pay transactions are available:
A. Only during branch working hours
B. Only on banking days
C. 24×7
D. Only from 9 am to 6 pm
Answer: C

Q22. One of the core advantages of BHIM Aadhaar Baroda Pay compared to card-based POS is:
A. Higher MDR
B. No need for Aadhaar
C. Customer does not require card; Aadhaar + biometric is enough
D. Only works offline
Answer: C

C. BHARAT CONNECT / BBPS – BASICS & STRUCTURE (Q23–Q33)

Q23. Bharat Connect is the new name for which system?
A. National Financial Switch
B. Bharat Bill Pay System (BBPS)
C. NEFT system
D. IMPS system
Answer: B

Q24. Bharat Connect / BBPS is best described as:
A. Card management system
B. RTGS clearing system
C. Interoperable bill payment system for customers via network of agents and channels
D. Aadhaar enrolment system
Answer: C

Q25. Bharat Connect provides:
A. Single bank-specific bill payment only
B. Interoperable bill payment with instant confirmation
C. Only manual bill collections
D. Only cheque-based payment system
Answer: B

Q26. Which organisation authorises banks like Bank of Baroda to operate as Bharat Bill Payment Operating Units?
A. SEBI
B. RBI
C. IRDAI
D. PFRDA
Answer: B

Q27. Bharat Connect / BBPS operates under which umbrella organisation?
A. UIDAI
B. NPCI
C. NABARD
D. NHB
Answer: B

Q28. In May 2016, RBI authorised Bank of Baroda to act as:
A. Only Biller Operating Unit
B. Only Customer Operating Unit
C. Bharat Bill Payment Operating Unit (BBPOU)
D. Prepaid Issuing Entity
Answer: C

Q29. In BBPS architecture, Bank of Baroda is participating as:
A. Customer Operating Unit (COU) only
B. Biller Operating Unit (BOU) only
C. Both COU and BOU
D. Only aggregation switch
Answer: C

Q30. Bharat Connect / BBPS is called an initiative of “national importance” because it:
A. Handles only government taxes
B. Offers real-time bill payment across geographies and demographics
C. Provides Demat services
D. Registers all mutual funds
Answer: B

Q31. The current scope of Bharat Connect covers which type of payments?
A. Only electricity bills
B. Only government taxes
C. Repetitive payments for everyday utility and other services
D. Only credit card payments
Answer: C

Q32. As per the text, approximately how many total billers are available under BBPS in Bank of Baroda’s system?
A. 2,026
B. 10,262
C. 20,262
D. 50,262
Answer: C

Q33. Out of 20,262 billers, how many are educational institutes?
A. 6,764
B. 9,764
C. 15,764
D. 19,764
Answer: D

D. BHARAT CONNECT – CHANNELS, BILLERS & CHARGES (Q34–Q42)

Q34. As a Customer Operating Unit (COU), Bank of Baroda provides Bharat Connect bill payment through which of the following digital channels?
A. bob World (Mobile Banking)
B. bob World Internet (Net Banking)
C. BoB e-PAY (UPI app)
D. All of the above
Answer: D

Q35. Which of the following is not a Bank of Baroda channel for Bharat Connect as per text?
A. Mobile Banking – bob World
B. Net Banking – bob World Internet
C. UPI app – BoB e-PAY
D. Demat trading app
Answer: D

Q36. Bharat Connect services of Bank of Baroda are also available through:
A. Bank’s Business Correspondent (BC) points
B. BHIM UPI mobile application of NPCI
C. ATM as Agent Institution
D. All of the above
Answer: D

Q37. As a Biller Operating Unit (BOU), which of the following billers has Bank of Baroda onboarded?
A. BESCOM (Bangalore Electricity)
B. HESCOM (Hubli Electricity)
C. Baroda FASTag
D. All of the above
Answer: D

Q38. Which of these billers has Bank of Baroda onboarded for insurance premium payments under BBPS?
A. LIC of India
B. India First Life Insurance
C. SBI Life Insurance
D. Oriental Insurance
Answer: B

Q39. As per the text, which institution has been onboarded for credit card bill payment under BBPS by BoB?
A. NPCI
B. BOB Financial Solutions Ltd.
C. Visa
D. MasterCard
Answer: B

Q40. Charges for bill payment via digital channels (bob World, Net Banking) under Bharat Connect in BoB are:
A. ₹10 + GST per bill
B. ₹5 + GST per bill
C. ₹2 + GST per bill
D. Nil (no charges)
Answer: D

Q41. At Business Correspondent (BC) points, Bharat Connect bill payment charges in BoB are:
A. Nil for all billers
B. ₹2 + GST for most billers (excluding DTH, Credit Card, LPG gas categories)
C. ₹20 + GST per bill
D. ₹50 + GST per bill
Answer: B

Q42. Bharat Connect currently covers which of the following categories of payments?
A. Electricity, Water, Piped Gas
B. Mobile, DTH, Telecom, Municipal Tax
C. Mutual Fund, Credit Card, Loan, Insurance, FASTag, Education fees, etc.
D. All of the above
Answer: D

E. UPI QR MERCHANT SOUND BOX – FEATURES & CHARGES (Q43–Q50)

Q43. Bank of Baroda’s UPI QR Merchant Sound Box is primarily used to:
A. Print physical receipts
B. Give instant voice confirmation of digital payments received through UPI
C. Store cash
D. Issue debit cards
Answer: B

Q44. To receive payments through the BoB UPI Sound Box, the merchant must:
A. Use Bank of Baroda UPI QR
B. Have only NEFT account
C. Use credit card POS machine
D. Use SWIFT code
Answer: A

Q45. How many variants of Sound Box devices are mentioned in the text?
A. One
B. Two
C. Three
D. Four
Answer: C

Q46. Which of the following is NOT a variant of BoB UPI QR Sound Box listed in the text?
A. Sound Box with Display
B. Sound Box without Display
C. Sound Box with Display and Dynamic QR
D. Sound Box with Printer
Answer: D

Q47. The BoB UPI QR Sound Box connects primarily using:
A. Landline connection
B. 4G SIM (no Wi-Fi required)
C. Optical fiber cable
D. Bluetooth-only
Answer: B

Q48. What is the typical battery backup of BoB’s UPI QR Sound Box device?
A. 2 hours
B. 6 hours
C. 12 hours
D. More than 24 hours
Answer: D

Q49. Monthly rental charges for Sound Box without Display (with 4G SIM & Wi-Fi) are:
A. ₹25 + GST per month
B. ₹50 + GST per month
C. ₹56 + GST per terminal per month
D. ₹100 + GST per month
Answer: C

Q50. Monthly rental charges for Sound Box with Display (with 4G SIM & Wi-Fi) are:
A. ₹57 + GST per terminal per month
B. ₹75 + GST per month
C. ₹100 + GST per month
D. ₹150 + GST per month
Answer: A

Digiatl Products

✅ CHAPTER 1 — Bob World Internet (Internet Banking)

1. Introduction

2. Types of Internet Banking Users

Retail Users

Corporate Users

3. Excluded Users

4. Key Features (Retail + Corporate)

5. Benefits for Retail Customers

6. Benefits for Corporate Customers

⭐ IMPORTANT POINTS

📘 NOTES

📗 MCQ

✅ CHAPTER 2 — BoB World (Mobile Banking App)

🔵 1. Introduction

🔵 2. Main Features of BoB World

A. Basic Banking

B. Fund Transfers

C. Bill Pay & Recharge

D. Card Services

E. Investment & Wealth

F. Insurance

G. Personal Finance Tools

H. Lifestyle & Shopping

I. Customer Support

J. Security

🔵 3. New UI/UX Features

🔵 4. UPI & bob इ Pay inside BoB World

🔵 5. Transaction Limits

A. General Limits

⭐ IMPORTANT POINTS

🟩 REVISION NOTES

🟦 MCQ

1. BoB World is the upgraded version of:

2. Session timeout for BoB World app is:

3. IMPS Instant limit per transaction:

4. Daily IMPS Instant limit in BoB World:

5. IMPS Beneficiary-based daily limit:

6. Third-party transfer limit per transaction:

7. Third-party transfer limit per day:

8. Digital Gold maximum daily limit:

9. Number of menus after UI upgrade:

10. The feature to track customer expenses:

11. NOT a fund transfer mode in BoB World:

12. Payment method using QR code:

13. Name of UPI inside BoB World:

14. Registered bill pay daily limit:

15. Cash on Mobile daily limit:

16. Accounts/services opened through BoB World:

17. UPI Lite supported in BoB World?

18. Device-binding is:

19. Mini-statement shows last:

20. Available card services:

21. BoB World is available on:

22. First-time login requires:

23. Which is NOT provided in BoB World?

24. Personal finance summary is shown in:

25. “Bank on the Go” is the slogan of:

26. High-value transaction requires:

27. Customer can raise:

28. Recharge options include:

29. Investment options supported:

30. UPI PIN reset supported?

31. Shopping options include:

32. Transaction password required for:

33. Tap & Pay available through:

34. BoB World is:

35. Instant transfer mode:

36. QR Code payment uses:

37. Loan dashboard displays:

38. UI upgrade introduced how many menu categories?

39. Card limit setting available for:

40. NEFT per transaction limit:

41. NEFT daily limit:

42. UPI inside BoB World is powered by:

43. First login authentication:

44. Bill payment categories:

45. Debit card hotlisting availability:

46. Dashboard features include:

47. Auto logout time due to inactivity: