Bank of Baroda has expanded on-site support for customers and opened 184 branches across the country, says Bank of Baroda The banker. | Photo credit: ANUSHREE FADNAVIS
The magazine noted that BoB has improved customer experience by expanding the use of its phygital branches, which combine personal and digital services for customers.
“Users can quickly obtain declarations, generate income tax receipts and update nominees who can access a bank account,” the magazine said on its website.
“Customers can contact bank staff directly via video calls for advice on home loans, term deposits and car loans, and can still receive personalized assistance through the universal service desks, which can provide assistance with more complex banking needs,” the report said.
The bank has also expanded on-site support for customers by opening 184 branches across the country, she added.
The banker noted that smaller business customers were assisted in the introduction of the Smart OD (overdraft) product to help them access working capital.
In addition, companies receive financing based on their business-to-business sales, as reflected in their goods and services tax returns or current accounts. Using digital verification, financing can be offered in less than 24 hours, creating a new channel for financial inclusion for those who may not have had access before.
“Retail customers are supported to create liquid fixed deposits, which combine a higher rate of a fixed deposit with the easy access to a savings account. Customers can withdraw money from the account without missing out on the agreed interest on the remaining money,” the magazine said.
MD & CEO Debadatta Chand said, “Bank of Baroda remains committed to serving every Indian by driving inclusive and sustainable growth, promoting nation-building efforts and contributing to India’s progress on the global stage.”
Published on December 10, 2025
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