Personal Finance

Your Bank of Baroda cheque over Rs 5 lakh will get rejected soon if you don't do this


Bank of Baroda customers will have to electronically confirm key information about cheques worth more than Rs 5 lakh to the bank for authentication before they can be cleared. The positive pay confirmation rule will come to effect for Bank of Baroda customers from August 1, 2022.

A Bank of Baroda customer will have to provide key details of the cheque before handing it over to the beneficiaries so that the bank can pass the high-value cheques without any reconfirmation call presenting it for payment for CTS clearing.

According to the bank circular, “W.e.f. 01.08.2022, Positive Pay confirmation is proposed to be made mandatory for cheques issued for Rs.05.00 lacs & above. That means, cheques issued for these values shall be returned in the clearing/Intersol without payment, if positive pay confirmation is not provided on or after 01.08.2022.”

As per the official twitter account, “Committed to ensure the security of your banking. With Positive Pay System, we are here to protect you from cheque frauds. Cheques with over 5 lakh rupees are confirmed before clearing. So simply #BankSafe with BankofBaroda.”

These are the 6 mandatory inputs that have to be provided for this confirmation;

  1. Cheque date
  2. Payee name
  3. Amount
  4. Account number
  5. Cheque number
  6. Transaction code

If the provided key details match those on the real cheque submitted in the CTS clearing and everything else is in order, such as having enough money on hand and matching signatures, the cheque will be passed.

Modification or deletion

The National Payment Corporation of India’s server does not allow for the change or deletion of data once it has been submitted to it, so there is no possibility to modify or delete a registered confirmation in any way. Customers can, however, halt the payment of issued cheques at any moment before to presentation or payment in the CTS clearing or at the counter.

Here are different ways to confirm BoB positive pay cheque details, according to the website.

How to confirm positive pay cheques through mobile banking

Customers have to enter their log in credentials > select option> Request Services> Positive Pay Confirmation > Select operative account > Enter Cheque number > response to the rest of the mandatory fields 1. Amount 2. Payee’s name and 3. Date 4. Transaction Code > Confirm>MPIN>SUBMIT.

How to confirm positive pay cheques through net banking

Customers have to enter their log in credentials > select option > Services > Cheque Book > Centralized Positive Pay Mechanism > response to the mandatory fields > 1. Select operative account > Cheque number 3. Amount 4. Payee’s name and 4. Date 5. Transaction Code > Confirm>Transaction Password >SUBMIT.

How to confirm positive pay cheques by visiting branch

Customers can provide their Positive Pay confirmation by personal visit to any of the BOB Branch in India. Customers have to provide the mandatory inputs over the prescribed application format (as attached hereunder). Customers are requested to provide their confirmations during the business hours of the respective branch.

How to confirm positive pay cheques using SMS

Customers have to provide their positive confirmation on their issued cheques to the beneficiary through Virtual Mobile Number 8422009988. All the inputs must have spaces and Payee’s name in capital letters, without spaces.

How to confirm positive pay cheques by calling customer care

Customers can provide their Positive Pay confirmation through the following Toll Free numbers – 1800 258 4455 & 1800 102 4455 after the customer identification process.





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