If you are a customer of Bank of Baroda (BOB) or any other government or private bank in the country, this news is crucial for you. As we step into the year 2026, significant changes are on the horizon in the banking sector.
The Reserve Bank of India (RBI) and bank management have released new guidelines under the BOB Rules Update 2026, aimed at enhancing customer convenience and security. These updates will not only fortify the safety of your funds but will also streamline banking procedures.
In this article, we will detail the two major updates coming to Bank of Baroda and other banks and how these changes will impact your finances. Read on for complete information.
बैंक ऑफ बड़ौदा (BOB) अपडेट 2026 क्या है? (What is BOB Rules Update 2026)
The Bank of Baroda has introduced the BOB Rules Update 2026, which emphasizes digital security and account management. The most significant changes to be implemented from 2026 involve regulations regarding cheque books and minimum balance.
The government and RBI aim to make the banking system completely transparent to prevent fraud. In this context, banks will replace old regulations with new digital protocols.
BOB Rules Update 2026 Overview Table
- Bank Name: Bank of Baroda (BOB) and others
- Update Name: BOB Rules Update 2026
- Effective Date: January 1, 2026
- Main Changes: Cheque book regulations and security updates
- Beneficiaries: All bank account holders
- Department: Banking and Financial Services (RBI)
- Official Website: bankofbaroda.bank.in
अपडेट 1: चेक बुक जारी करने के लिए मोबाइल नंबर अनिवार्य
The Bank of Baroda has clarified that starting in 2026, possessing an updated Mobile Number will be mandatory to obtain a Personalized Cheque Book. Customers will not be able to apply for a new cheque book without a registered mobile number.
This measure is aimed at preventing banking fraud. Every time a cheque is issued or processed, customers will receive an immediate SMS alert, helping curb thefts through forgery.
If your mobile number is not linked to your bank account, you should update it at your nearest branch immediately. This rule is likely to extend to several other major banks as well.
अपडेट 2: इनएक्टिव और डोर्मेंट खातों पर सख्त नियम
The second significant update affects customers who have not conducted any transactions in their account for a long time. According to the new RBI Guidelines 2026, an account will be considered ‘inactive’ if there has been no activity for the past 12 months.
If an account remains inactive for two years, it will be classified as Dormant, and digital transactions as well as ATM withdrawals will be restricted. To reactivate such accounts, customers must complete the KYC (Know Your Customer) process again.
This measure aims to prevent the misuse of bank accounts and enhance security. The bank asserts that inactive accounts pose the highest risks for fraud, necessitating this stringent decision.
ग्राहकों के लिए अन्य राहत और बदलाव
In addition to stricter regulations, there is good news for customers. The Bank of Baroda has decided to provide relief in the Minimum Balance Penalty on some of its Saving Account plans. The penalties for maintaining a low balance in regular savings accounts may now be reduced.
Furthermore, a slight increase in interest rates for Fixed Deposits (FD) for senior citizens has been announced. Following the new budget for 2026, there are expectations for some relief in processing fees for home loans and personal loans, benefiting the general public.
To promote digital banking, the bank plans to introduce new security features such as ‘one-tap block’ and ‘AI-based fraud detection’ in the BOB World app, ensuring the security of your funds in digital wallets.
इन नियमों का पालन कैसे करें?
- First, get your bank account’s KYC updated and link your Aadhaar card.
- Ensure that your accurate and operational Mobile Number is registered with the bank.
- Conduct at least one small transaction (via UPI or ATM) every three months.
- Use the bank’s mobile app or internet banking to request a cheque book.
By following these simple steps, you can comply with the bank’s new regulations and avoid any banking inconveniences in the future. Bank of Baroda is also notifying its customers of these updates via SMS.
Frequently Asked Questions
What are the new updates in BOB Rules for 2026?
The new updates include making mobile number registration mandatory for obtaining a cheque book and stricter regulations regarding inactive accounts.
How does the mobile number requirement impact cheque book requests?
Customers must have a registered mobile number to apply for a personalized cheque book, enhancing security through SMS alerts for cheque transactions.
What happens to inactive accounts under the new rules?
Accounts with no activity for 12 months will be marked inactive and those inactive for 2 years will become dormant, restricting transactions until KYC is completed again.
Are there any relief measures for savings accounts?
Yes, BOB is reducing penalties for maintaining a low balance on some savings accounts, offering financial relief to customers.
What new features are being introduced to promote digital banking?
The bank plans to include new security features like ‘one-tap block’ and ‘AI-based fraud detection’ in the BOB World app, ensuring digital fund safety.
