Bank of BarodaUPI payment service
Bank of Baroda UPI — bob e-Pay
Bank of Baroda's bob e-Pay UPI profile with explicit per-category transaction limits, ₹5,000 fresh-registration/PIN-reset control, current UPI Circle full/partial delegation terms, AutoPay and RuPay-credit-card merchant payments.
First-party evidencePublished researchReviewed September 10, 2026Active
Eligible funding sourcebob e-Pay can link eligible Savings, Current and OD accounts from banks live on UPI where account mode/mobile requirements are met. UPI Lite, UPI Circle and RuPay-credit-card UPI are separate funding/authority states.
UPI / security limitsCurrent bob e-Pay table lists P2P/P2PM and ordinary P2M at ₹1 lakh per transaction/day with 20 transactions per day per account; specified-MCC P2M can reach ₹2 lakh per transaction/day, while IPO/Retail Direct collect requests have separate ₹5 lakh per-transaction and ₹15 lakh daily ceilings.
Payment / channel costThe reviewed bob e-Pay material does not model a separate consumer subscription charge for ordinary account-funded UPI. SMS/data, underlying bank/card charges and any applicable card transaction charges remain separate.
Payment / funding relationshipbob e-Pay may act as the PSP app while the remitter account is another supported bank. UPI Circle delegates authority from the primary account without transferring ownership, and linked RuPay cards remain separate credit-funded merchant instruments.
Research processPublished by littleden.blog
Structured from first-party bank/issuer evidence. This page does not claim personal hands-on product use unless that experience is explicitly stated.
4 first-party sourcesFirst-party conflict preserved
Last checkedSeptember 10, 2026
Recorded source review date, not a claim that the product changed that day.
Maintenance stateRecheck approaching
Target recheck: November 24, 2026.
Critical decision facts
Channel scope and security state determine what the published limit really means.
Rail, channel, beneficiary, cooling, authentication and recovery rules stay separate instead of being compressed into one generic digital-banking number.
Exact product-type evidence
UPI payment service evidence stays in its own structure.
Specialist fields below remain source-scoped. Missing values stay missing; one banking product type is never used to manufacture facts for another.
UPI control map
Separate the funding source, steady-state limit and temporary security state.
UPI is not represented by one universal ₹1 lakh number. Bank/app risk controls, device cooling, Lite, card-funded merchant UPI and mandate rules are kept in their own fields. Reviewed September 10, 2026.
UPI app / channelbob e-Pay, Bank of Baroda's UPI app, can link eligible accounts from UPI-live banks and supports QR, Send/Collect, account+IFSC, Global UPI, Tap & Pay, Lite, AutoPay, RuPay credit cards and UPI Circle.
Registration / linkingRegister with the same mobile number used by the linked bank account, complete app SMS/mobile verification, create VPA/login PIN, add the eligible account and set UPI PIN using the linked debit-card/issuer authentication flow.
AuthenticationTwo-factor/device-binding controls apply. bob e-Pay supports UPI PIN for ordinary transactions and current features include biometric/face-authentication paths for selected UPI PIN/transaction journeys; Lite has its own PIN-less small-value state.
Steady-state limitsP2P/P2PM and ordinary P2M: ₹1 lakh per transaction and ₹1 lakh/day, 20 transactions/day/account. Specified-MCC P2M: ₹2 lakh per transaction/day. IPO and RBI Retail Direct collect: ₹5 lakh per transaction and ₹15 lakh/day. USSD (*99#): ₹5,000 per transaction/day.
New-user / device coolingCurrent table: after setting/resetting UPI PIN and fresh registration/re-verification of device, fund transfer is limited to ₹5,000. The security section describes ₹5,000 for the new user's first transaction; the live app remains controlling if additional risk restrictions apply.
UPI Litebob e-Pay offers UPI Lite, but the bank page still displays legacy ₹500/₹2,000/₹4,000 numbers in its FAQ. Current RBI/NPCI limits are therefore used for current system context—₹1,000 per transaction and ₹5,000 stored balance—while the stale bank copy is surfaced as an evidence conflict rather than silently overwritten.
RuPay credit card on UPIbob e-Pay can link eligible RuPay credit cards from participating issuers. Bank FAQ states credit-card UPI is only for P2M and carries no linking/transaction fee from bob e-Pay; available credit and issuer/UPI restrictions still apply.
AutoPay / mandatesUPI AutoPay is supported and mandates can be managed in-app. Recurring instructions remain a separate authorization lifecycle from one-off P2P/P2M limits.
UPI Circle / delegated paymentsbob e-Pay explicitly supports UPI Circle Full and Partial Delegation. Full Delegation: maximum ₹15,000/month and ₹5,000/transaction, with a 30-minute post-link cooling period and term from 1 month to 5 years. Partial Delegation requires the primary user's UPI PIN authorization for the initiated payment; primary can modify/revoke access and view transactions.
Merchant / QR controlsScan any QR, Tap & Pay via NFC-enabled UPI surfaces, UPI Number/Mapper and merchant P2M are supported. Specific MCCs receive a separate ₹2 lakh limit rather than automatically extending the P2P allowance.
Failure / dispute / recoverybob e-Pay provides dispute management/history, real-time/settlement reversals and complaint paths. More than three wrong UPI PIN attempts can cause temporary blocking and repeat failures can require UPI PIN regeneration; device/SIM changes require re-registration.
Maintained terms
Fees, balances, benefits, limits and eligibility without a single-score shortcut.
These six fields are the cross-product layer. The specialist section above controls whenever a type-specific field is more precise.
Payment / channel costThe reviewed bob e-Pay material does not model a separate consumer subscription charge for ordinary account-funded UPI. SMS/data, underlying bank/card charges and any applicable card transaction charges remain separate.
Eligible funding sourcebob e-Pay can link eligible Savings, Current and OD accounts from banks live on UPI where account mode/mobile requirements are met. UPI Lite, UPI Circle and RuPay-credit-card UPI are separate funding/authority states.
UPI capabilitiesbob e-Pay supports Send/Collect, QR, account+IFSC, Global UPI, foreign inward remittance, Tap & Pay, UPI Lite, AutoPay, UPI Number, RuPay credit-card linking, transaction-limit setup, disputes and UPI Circle.
UPI / security limitsCurrent bob e-Pay table lists P2P/P2PM and ordinary P2M at ₹1 lakh per transaction/day with 20 transactions per day per account; specified-MCC P2M can reach ₹2 lakh per transaction/day, while IPO/Retail Direct collect requests have separate ₹5 lakh per-transaction and ₹15 lakh daily ceilings.
Registration eligibilityCustomers of UPI-live banks with an eligible Savings/Current/OD account, active registered mobile/SMS and suitable mode of operation can register. bob e-Pay account linking and UPI PIN setup use the registered mobile and debit-card credentials unless an alternative current authentication method applies.
Payment / funding relationshipbob e-Pay may act as the PSP app while the remitter account is another supported bank. UPI Circle delegates authority from the primary account without transferring ownership, and linked RuPay cards remain separate credit-funded merchant instruments.
Fit & cautions
Who this record appears designed for—and what can break the fit.
Best-fit wording summarizes the published proposition. It is not individualized financial advice or an approval prediction.
Bank of Baroda and other supported-bank customers using bob e-Pay who want a detailed UPI limit table, delegated-payment controls and recovery paths rather than generic UPI guidance.
- After setting/resetting UPI PIN or fresh registration/re-verification of a device, bob e-Pay's current table caps fund transfer at ₹5,000; the bank also describes the new-user first transaction as ₹5,000.
- Bank of Baroda's current page still contains stale UPI Lite FAQ numbers of ₹500 per payment / ₹2,000 balance / ₹4,000 daily even though the current RBI/NPCI framework is ₹1,000 per transaction / ₹5,000 stored balance. v1.37 flags the conflict instead of publishing stale launch-era limits as current.
- bob e-Pay UPI Circle Full Delegation is capped at ₹15,000/month and ₹5,000/transaction and applies a 30-minute cooling period after linking; Partial Delegation still requires primary-user authorization via UPI PIN.
Maintained comparisons
Compare this product only where the pair is deliberately maintained.
Both sides keep independent review dates, exact conditions and first-party evidence. No winner score is generated.
Decision checks
App / channelRegistrationAuthentication
Decision checks
App / channelRegistrationAuthentication
Decision checks
App / channelRegistrationAuthentication
First-party source ledger
Complete evidence set for this maintained profile.
Each source remains independent. A product page, tariff, KFS/MITC, rate schedule or programme document is not silently treated as interchangeable evidence.
01
Primary product / service sourcebankofbaroda.bank.in
Open source ↗02Additional first-party evidencebankofbaroda.bank.in
Open source ↗03Additional first-party evidencewww.rbi.org.in
Open source ↗04Additional first-party evidencewww.npci.org.in
Open source ↗Current-use rule
When the bank changes a term after the recorded review, the current agreement, tariff, KFS/MITC or effective rate table controls.
Research boundary
This page organizes dated public evidence; it does not guarantee eligibility, availability, approval, service quality or future pricing.