Bank of Baroda (BOB) is an Indian state-owned public sector bank in India. It was started in 1908 in Baroda and is headquartered at Baroda Corporate Centre in Mumbai. The Bank offers various banking and financial services in more than 17 countries. These services include business/corporate and personal banking, investment, trade/FX & remittances, and international banking.
Dena and Vijaya Bank are amalgamated with the Bank of Baroda. The Joint Venture Companies of BOB are India Infradebt Ltd. and India International Bank Malaysia Berhad.
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The domestic subsidiaries are:
- BOB Financial Solutions Limited
- BOB Capital Markets Ltd.
- Baroda Global Shared Services Limited
- Nainital Bank Ltd.
- IndiaFirst Life Insurance Company Limited
- Baroda BNP Paribas Asset Management India Private Limited
- Baroda BNP Paribas Trustee India Private Limited (Formerly Baroda Trustee India Private Limited)
- BarodaSun Technologies Limited
Overseas Subsidiary (International) of Bank of Baroda:
- Bank of Baroda Botswana Ltd
- Bank of Baroda (Guyana) Inc.
- Bank of Baroda (Kenya) Ltd.
- Bank of Baroda (New Zealand) Ltd.
- Bank of Baroda (Tanzania) Ltd.
- Bank of Baroda (Uganda) Ltd.
- Bank of Baroda (UK) Ltd.
- Overseas Associate: Indo-Zambia Bank Ltd. (Lusaka)
Have complaints about the banking/financial services of Bank of Baroda? File your complaint to BOB customer care through the toll-free number, WhatsApp, e-mail, and online IGRS (Integrated Grievance Redressal System) form. Also, submit your banking complaint online with the required information.
Still not resolved? Escalate your complaint to the Regional/Zonal Manager of your Zone. Further, you can escalate the unsatisfactory or unresolved disputed matters to the Nodal Officer, Bank of Baroda with the acknowledgment/reference number.
Dissatisfied with the final resolution of the bank or have unresolved complaints? You can lodge your banking complaint against the Bank of Baroda to the Banking Ombudsman, RBI (Reserve Bank of India) with details of recent complaints with the bank.
How to File a Complaint to the Bank of Baroda (BOB)?
Customers of the BOB have to face many issues related to banking services which can be personal/corporate banking, accounts, loans, investment, insurance, and digital products. Also, you can report unauthorized banking transactions, payment failures, and other domestic/international banking issues.
Grievance Redressal Time Limit & Fees:
| Registration Fee | No Charges (₹0) |
| Resolution Period | 30 days (read the policy for grievance redressal of the bank) |
| Refund (transaction failure) | Within 7 working days ( read compensation policy, Bank of Baroda) |
According to the citizen charter issued by the Bank of Baroda, the grievance redressal mechanism has 3 levels to resolve your dispute related to services offered by the bank. Initially, you can approach the concerned Branch Manager to resolve your complaints. If the problem is not resolved, follow this escalation level.
3 Levels of banking complaint resolution:
- Level 1: Lodge complaint through:
- BOB customer care (by toll-free number, WhatsApp, or email)
- Online complaint (SPGRS)
- Write an application to Branch Manager
- Level 2: Regional Manager, BOB
- Zonal Manager of Bank of Baroda
- Level 3: File a complaint to Principal Nodal Officer, BOB
Still, have dissatisfaction or unresolved case? Finally, you can approach the Banking Ombudsman, RBI to submit your disputed matter against the final resolution from the Bank of Baroda.
In brief, first report the issue to customer care by helpline number, social channels, or online portal of the bank. Also, you can submit a letter to the Branch Manager of the bank.
If not resolved or dissatisfied with the response, escalate the complaint to the Regional/Zonal Manager of your region. At the final level, escalate this complaint to the Principal Nodal Officer of the Bank of Baroda.
BOB Customer Care Number
Want to call the customer care of Bank of Baroda? You just need to dial the toll-free customer care number or email your issues to register a complaint about the banking services with BOB customer representatives.
Provide the following information:
- Name of the complainant
- The nature of the complaint
- Description of the issue with banking services
Also, you may write a complaint letter to the Branch Manager of your branch office. Don’t forget to ask for the reference/acknowledgment receipt or number to track the status or escalate the case (if not resolved).
Customer care number and contact details of Bank of Baroda to lodge your banking complaint:
| BOB complaint number | 18005700 |
| Bank of Baroda WhatsApp Number | +918433888777 |
| BOB helpline number (unauthorized transaction) | 18001025627 |
| Email (unauthorized transaction) | bobsupport@cardbranch.com |
| Missed call services | +918468001111, +918468001122 |
| Email (Business) | merchant.business@bankofbaroda.com |
| PMJDY/FI customer care | 18001027788 |
| NRI customer care number | +917966296629 |
Further, you may contact your nearest branch office of the Bank of Baroda to resolve an issue. For blocking banking services (UPI, debit card, mobile/internet banking, etc.), call the toll-free numbers 18002584455 and 18001024455 to resolve the unauthorized transactions from Bank of Baroda.
Not resolved within the given time limit (7 working days)? If your complaint is not resolved or dissatisfied with the final response, escalate the complaint to the Regional and Zonal Manager with acknowledgment/ticket number.
NRI Customer Care, Bank of Baroda
Are you Non-Resident Indian (NRI) customer of Bank of Baroda? You can call the toll-free NRI customer care number, email, or submit your complaint online through the SPGRS CRM system. Also, dial the overseas toll-free numbers for NRIs from different countries as mentioned below.
NRI Customer Care Number of Bank of Baroda in India:
| NRI customer care number (overseas) | +917966296629 |
| BOB toll-free number (India) | 18005700 |
| nribo@bankofbaroda.com |
Toll-free Helpline Numbers of BOB for NRIs from Overseas (International) Countries:
| Country | NRI Toll-Free Number |
|---|---|
| Kenya | 0800721742 |
| Oman | 80077196 |
| UAE (United Arab Emirates) | 80001830996 |
| United States (USA) | 18445379719 |
| UK (United Kingdom) | 08000478340 |
Have any doubts or dissatisfaction with customer services? Lodge your complaint online through the CRM portal or visit the nearest associate/subsidiary branch office of the bank.
Alternatively, you can escalate the disputed case to the Principal Nodal Officer or Head of the Customer Service Center, Bank of Baroda.
File a complaint online
Bank of Baroda has an integrated online complaint management system where you can file your banking complaints online with some required information. Also, if your issues are not resolved at Branch Office, submit this case online to the next authorized officials (Regional/Zonal level).
Provide these details in the online grievance form:
- Personal detail like name, mobile no. and email
- The type of account (business correspondent, domestic/NRI customer, etc.)
- The subject of the complaint (Business)
- Brief description of the issue with facts
- Upload or attach supporting documents.
After the successful submission of your complaint, note down the reference/grievance number to track the status of the grievance and also use it to escalate (if not resolved/dissatisfied).
Details to lodge a banking complaint online with the Bank of Baroda:
| Bank of Baroda (Online Complaint) | File your complaint |
| Track BOB complaint status | Track now |
| Bank of Baroda credit card complaints | Submit/track |
| BOB banking forms (offline) | Download/View |
| Email (Block cards) | bobsupport@cardbranch.com |
| Email (Forex) | care.fbo@bankofbaroda.com |
Not resolved within 7 days or dissatisfied with the final response? Don’t worry. Escalate your complaint to the Regional Manager by email, online grievance form, or a written letter to Regional Branch Office.
Alternative ways to file your complaints:
| @bankofbaroda | |
| @bankofbaroda | |
| Mobile App | Android | iOS |
Additionally, you can contact your nearest branch office of the bank.
Grievance Redressal, Bank of Baroda
The policy for grievance redressal defines rules for the resolution of complaints submitted by the customers of the Bank of Baroda. As mentioned earlier, the escalation matrix has 3 levels where you can escalate your unresolved or unsatisfactory complaints online as well as offline (by visiting the office).
First, escalate your complaint to Regional Manager with the reference number of the previous complaint and further you can approach the Zonal Manager of the bank.
Must provide this information:
- Name and contact details
- Reference/acknowledgment number of submitted complaint
- The reason for dissatisfaction (if received a response)
- Description of the disputed case with relevant evidence
- Attach supporting documents
You may also download the grievance form or re-open the recent complaint by reference number to escalate the case to an authorized officer.
| BOB Grievance Form | Download/View |
| Re-open complaint online | Click here |
| Right to Information (RTI) | File an RTI |
Now, fill out the grievance form and e-mail it or submit it to the Regional/Zonal Manager as mentioned below.
Additionally, you can complain online about the unethical/corrupt behaviour of staff/officers of the Bank of Baroda through CPGRAMS (Central Government) to the respective department of the Bank.
Regional Manager, BOB
Has your complaint not been resolved within 15 working days or dissatisfied with customer care or the response from the online support of Bank of Baroda? In this situation, you can escalate your unresolved/unsatisfactory complaints to the designated Regional Manager, Bank of Baroda in the concerned region.
For this, visit the link to know the e-mail, phone number, and official address of your Regional Manager of the Bank who is designated as Assistant General Manager in the bank.
Click: Submit your complaint to the Regional Manager, Bank of Baroda
Still, need help or not resolved within 7 days? Approach the Zonal Manager and Nodal Officer of the bank.
Zonal Manager, BOB
If still your complaint is not resolved within the resolution time or dissatisfied with the response of the Regional Manager, escalated matter will be taken up by the Zonal Manager (as per the grievance redressal policy) of Banka of Baroda.
Contact details of the Deputy General Manager of respective Zones of the bank:
| Zone (BOB) | Phone No., Email, and Address |
|---|---|
| Ahmedabad | +917926473064 dgm.ngz@bankofbaroda.com Address: Deputy General Manager, Ahmedabad Zone, Bank Of Baroda Towers, 6th Floor, Opp.Law Garden, Ellisbridge, Ahmedabad – 380006. |
| Baroda | +912652316502 dgm.sgz@bankofbaroda.com Address: Deputy General Manager, Bank of Baroda, 5th Baroda Bhavan (Zonal Office), R.C. Dutt Road, Alkapuri Vadodara. |
| Bengaluru | +918025011247 dgm.blr@bankofbaroda.com Address: Deputy General Manager, Bank of Baroda, Regional Office – North,1st Floor, 41/2, Vijaya Tower, M.G. Road, Trinity Circle Bangalore – 560001. |
| Bhopal | +917554049032 dzh.mpz@bankofbaroda.com Address: Deputy General Manager, Bank of Baroda, Zonal Office (Bhopal Zone), Plot No. 202, Ganga Jamuna Complex, M. P. Nagar, Zone-1, Bhopal – 462011. |
| Chandigarh | +911722717324 dzh.chandigarh@bankofbaroda.com Address: Deputy General Manager, Bank of Baroda Zonal Office (Chandigarh Zone), Building No. 2, Overbridge, Sector 17 B, Chandigarh – 160017. |
| Chennai | +914423454337 dzh.sz@bankofbaroda.co.in Address: Deputy General Manager, Bank of Baroda, Zonal Office, Chennai, “Baroda Pride”, New No. 41, 3rd. Floor, Luz Church Road, Mylapore, Chennai-04. |
| Ernakulam | +914842867802 dzh.ekmz@bankofbaroda.co.in Address: Deputy General Manager, Bank of Baroda, Zonal Office, Ernakulam, 4th floor, M.G. Road Metro Station Complex, M.G. Road, Ernakulam – 682035. |
| Hyderabad | +914023287202 dzh.hyderabad@bankofbaroda.com Address: Deputy General Manager, Bank of Baroda, Zonal Office, Hyderabad, Door No. 3-6-289, 1st Floor, Kareem Manzil, Old MLA Quarters Road, Hyderguda, Hyderabad, Telangana-29. |
| Jaipur | +911412727103 dyzm.rz@bankofbaroda.com Address: Deputy General Manager, Bank of Baroda, Zonal Office, Jaipur, 4th floor, Baroda Bhawan, P.No. 13, Airport Plaza, Durgapura, Tonk Road, Jaipur. |
| Kolkata | +913323401704 dyzm.ez@bankofbaroda.com Address: Deputy General Manager, Bank of Baroda, Zonal Office, Kolkata, Baroda Tower, 5th Floor, Plot no 38/2, GN Block, Sector–V, Salt Lake City, Kolkata. |
| Lucknow | +915226677704 dgm.upu@bankofbaroda.com Address: Deputy General Manager, Bank of Baroda, Lucknow Zone, Baroda House, V 23 Vibhuti Khand, Gomti Nagar, Lucknow (UP) – 226010. |
| Mangaluru | +918242413902 dzh.mangalore@bankofbaroda.com Address: Deputy General Manager, Bank of Baroda, Mangalore Zone, MSRS Road, Vijaya Tower, 2nd Floor, Mangalore – 575004. |
| Meerut | +915812511120 dgm.wupu@bankofbaroda.com Address: Deputy General Manager, Bank of Baroda, Meerut Zone, 1st Floor, 129-D, Civil Lines, Bareilly (U.P.) – 243001. |
| Mumbai | +912242060703 dzh.ops.gmz@bankofbaroda.com Address: Deputy General Manager, Bank of Baroda, Mumbai Zone, 3 Walchand Hirachand Marg, 3rd Floor, Ballard Pier, Mumbai – 400001. |
| New Delhi | +911123441643 dzm.nz@bankofbaroda.co.in Address: Deputy General Manager, Bank of Baroda, New Delhi Zonal office, Bank of Baroda Building, 6th floor, 16, Sansad Marg, New Delhi – 110001. |
| Patna | +916122559500 dgm.bojz@bankofbaroda.co.in Address: Deputy General Manager, Bank of Baroda, Patna Zonal office, Anand Vihar, 5th Floor, West Boring Canal Road, Patna – 800001. |
| Pune | +912025937107 dzh.mgz@bankofbaroda.com Address: Deputy General Manager, Bank Of Baroda, Zonal Office, Pune Zone, 2nd Floor Sharda Centre, 11/1, Khailare Rd, Erandwana, Pune 411004. |
| Rajkot | +912812440262 dyzm.zorajkot@bankofbaroda.co.in Address: Deputy General Manager, 2nd Floor, BOB Building M. G. Road, Zonal office, Bank of Baroda, Rajkot – 362001. |
Still, dissatisfied with the final resolution of the Zonal Manager or complaints not resolved within 15 days? Escalate your disputed matter to the Principal Nodal Officer of the Bank of Baroda.
Nodal Officer, Bank of Baroda
The Principal Nodal Officer is designated by the Bank of Baroda at the Head Office to deal with complaints that are not resolved within the given resolution period or are dissatisfied with the final response of the Regional/Zonal Manager.
Must provide this information:
- Name and contact details of the complainant
- Reference/acknowledgment number or receipt
- Description of the complaint with the reason for dissatisfaction (if received a response)
- The details of the decision from the Regional/Zonal Manager
- Attach the supporting documents with facts
Submit this complaint letter or email to the appointed Principal Nodal Officer, BOB at:
| Designation | Principal Nodal Officer, Bank of Baroda |
| Phone No. | +912652316792 |
| Complaint form | Download/View |
| cs.ho@bankofbaroda.com | |
| Address | General Manager (Operations & Services), Bank of Baroda, Head Office, Baroda Bhavan, R C Dutt Road, Alkapuri, Baroda – 390007, (Gujarat) India. |
Not resolved within 30 days or dissatisfied with the final order of the Nodal Officer? You can lodge your complaint against the Bank of Baroda to the Banking Ombudsman, RBI.
Banking Ombudsman, RBI
According to RBI Integrated Ombudsman Scheme, 2021, if your banking complaints are not resolved within 30 days by the Bank of Baroda or dissatisfied with the final response, file a complaint online to Banking Ombudsman, RBI.
Before submitting your disputed matter, provide relevant information and details of previously raised complaints and final decisions from the bank officials. Also, give the reference number and note down the acknowledgment of the RBI Ombudsman. Visit the link below to report the issue.
Click: File your complaint online to Banking Ombudsman, RBI
Have any disputed matters related to other financial services of BOB like insurance, housing loans, stock market, etc? Approach the concerned regulatory bodies of the government:
- For disputes with the stock market, demat account, and securities, approach to Securities and Exchange Board of India (SEBI)
- For complaints related to housing loans, report to National Housing Bank (NHB)
- For pension disputes, appeal with Pension Fund Regulatory and Development Authority (PFRDA)
- For insurance disputes, approach the Insurance Ombudsman, IRDAI
Note – Finally, if you are not satisfied with Banking Ombudsman then get the help of a legal expert to take legal action against the Bank. Also, you can approach the respective tribunal or judicial bodies (courts) to resolve your banking disputes with the Bank of Baroda.
Resolve the banking issues
These are some issues related to banking and financial services of the bank that can be resolved by the officers of Bank of Baroda:
1. Accounts
Issues related to Bank Accounts:
- Savings Account: Issues related to Baroda salary, savings, and current accounts including Fixed Deposits and other services
- Government schemes: Pradhan Mantri Jan-Dhan Yojana and Sukanya Samriddhi Yojna Account
- Account services: Payments, transactions (UPI/internet banking, and NEFT/RTGS), and debit/credit card problems including internet banking services like e-deposits, digital banking, doorstep services, etc.
- Deposits: Concerns with the term, fixed, and recurring deposits and the Capital Gain Account of the Bank of Baroda
- Investment: Matters of Public Provident Fund (PPF), NPS, Safe Deposit Lockers, and other pensions, insurance, and investment products of the bank.
2. Loans
Issues related to Loans:
- Home Loan: Baroda home loans against properties and other housing loans from the bank (approval/rejection and higher EMI/interest charges disputes).
- Personal Loan: Baroda personal loans, loans to Pensioners, and Digital pre-Approved personal loans issues.
- Fintech: Concerns related to pre-approved Micro-loans and Baroda overdrafts for E-commerce Business (Amazon/Flipkart)
- Vehicle Loan: Matters of Baroda digital car loans, Auto loans for pre-owned cars, Baroda two-wheeler loans, and other vehicle loan disputes
- Baroda Yoddha Loans: Under this scheme, loans for Education, Home, Auto, and Two-Wheeler and loans to Defence Pensioners.
- Mortgage Loan: Complaints about the Baroda Mortgage loans and default of repayment of loans
- Education Loan: Issues with education loan schemes and products like Baroda Vidya (for school education from Nursery to XII), Baroda Scholar (for study abroad), and Baroda Education Loan to students of premier Institutions
- Other Loans: Gold, Agri Gold, and Retail Gold loans including disputes related to repayment or EMI of loans like higher interest, unreasonable charges/fees, failure of payments, etc.
- Special Loans: Issues with Baroda advance against securities, loan against shares, Mutual Funds, bonds, and debentures
3. Investment
Issues related to Financial Investments:
- Investment Products: Matters related to Mutual Funds, Alternate Investment Products (FD, Golds, Term Deposits, etc.), Demat accounts (stock market, securities, and equity), and Baroda 3 in 1 Demat & Trading Account.
- Govt. Deposit Schemes/Bonds: Disputes of sovereign gold bonds, senior citizen savings deposit schemes, floating rate savings bonds (RBI bonds), and government schemes like E-Kisan Vikas Patra Scheme, 2014
4. Insurance
Issues related to Insurance Products:
- Life Insurance: Issues related to life insurance plans and claims of insurance from the bank including Insurance Plans like IndiaFirst Life Radiance Smart Invest Plan, IndiaFirst Life eTerm Plus Plan, and IndiaFirst Life Guaranteed Protection Plan
- General Insurance: Concerns with general insurance products of Bank of Baroda like Auto Secure Private Car Package Policy, and Overseas Mediclaim Business and Holiday
- Health Insurance: Complaints about the claim of health insurance, premium payments, and other disputes related to Health Assurance, Accident Care Individual Insurance Policy, and Star Cardiac Care Insurance Policy
5. Digital Products
Issues related to Digital Banking Products:
- Instant Banking: Complaints related to BOB World Internet Banking and Mobile Banking, WhatsApp Banking, and UPI (payment transactions)
- Cards: Report the concerns of Credit/Debit Cards, Prepaid Cards, and unauthorized transactions from the card
Payment Solutions: Issues related to technology-based payment solutions of the bank like phone banking, ATMs and Kiosks, BOB World Wave – A Wearable Contactless Payment Smart Watch, Tokenisation, FASTag, Debit Card e-Mandate, bobWorld Digital Rupee, etc. - Merchant Payment Solutions: Problems related to merchant payments like BOB World Merchant Gateway, Baroda DigiNext Cash Management Services, BarodaINSTA SmartTrade, etc.
6. MSME
Issues related to MSME/SME:
- Loan & Advances: Issues related to Baroda Vidyasthali loans and Composite loans under MSME schemes for corporate/business
- Current Account: Concerns with Bank of Baroda’s current account for business (MSME) including Bank Of Baroda with Spice Agile Platform of MCA, Baroda Premium Current Account (BPCA/Privilege), and Baroda Scale-Up/Start-Up Current Account
- Digital Loans: Disputes related to Digital Mudra loan on ‘JanSamarth Portal’, Shishu upto Rs.50,000), Digital MSME Working capital loan (Rs. 10 Lakh – Rs. 5 Cr.), and SME Loan Factory
- Value Added Services: Payment settlement and forex services including remittances, collection services, and ECS
- Government Schemes: Issues related to Prime Minister Employment Generation Programme, Pradhan Mantri Mudra Yojana, and Standup India Scheme
7. Corporate
Issues related to Corporate Banking:
- Loan & Advances: Problems of Baroda Guaranteed Emergency Credit Line Scheme, Baroda Covid Emergency Credit Line, and Working Capital
- Services: Concerns of Appraisal merchant banking, cash management remittances, trade, FX & remittances, and treasury services.
8. International Banking
Issues related to International Banking/FX:
- Loans & Credits: Foreign Currency Credits, External Commercial Borrowings, and Foreign Currency Non-Resident (FCNR-B) loans
- Others: Issues of international banking with Bank of Baroda with Correspondent banking, International treasury, Global trade service, Compliance & Risk, Foreign exchange, and Remittance from India
9. Agriculture
Issues related to Agriculture Financing:
- Farm Credit: Complaints about the Baroda Kisan Credit Card and Baroda Kisan Tatkal Loan Scheme
- Agriculture Infrastructure: Issues with the application for the Construction of storage structure projects and scheme for financing under the Agriculture Infrastructure Fund by the Bank
- Ancillary Services: Problems related to advances to Food Agro based units under agriculture and scheme for financing facility under PM formalization of Micro Food Processing
- Agri Services: Complaints about the repayment of agriculture loans, rebates from the government, or issues of BOB World Kisan service.
Frequently Asked Questions about Bank of Baroda
Q. What is the customer care number of Bank of Baroda to lodge a complaint?
A. Dial the Baroda Bank toll-free customer care number 18005700 or WhatsApp at +918433888777 to lodge a banking complaint with representatives. Additionally, call the toll-free number 18001025627 or email bobsupport@cardbranch.com to report unauthorized transactions/block cards.
Q. Where can complain if my issues are not resolved by the customer care of Bank of Baroda?
A. First, you can lodge a banking complaint online through the SPGRS portal or write a complaint letter to Branch Manager. If not resolved within 7 days or if dissatisfied then escalate the disputed matter to the Regional and Zonal Manager by email or online portal. Further, you can escalate the complaint to the Principal Nodal Officer (PNO) of Bank of Baroda.
Q. What can I do if my complaints are not resolved or I’m dissatisfied with the response of the Bank of Baroda?
A. If your banking or financial complaints are not resolved within 30 days then file a complaint online to Banking Ombudsman, RBI. Additionally, you can escalate the matter to appointed Nodal Officers of the Bank of Baroda under the RBI Integrated Ombudsman Scheme, 2021.
