Bank of Baroda has made a strategic investment of ₹10 crores to acquire a 50% stake in Indian Digital Payment Intelligence Corporation (IDPIC), a newly incorporated Section 8 company. The bank subscribed to 1 crore equity shares at face value of ₹10 per share, positioning itself as the initial promoter of the digital payment intelligence platform.

Investment Structure and Details

The public sector bank's investment represents a significant commitment to India's digital payment security infrastructure. Bank of Baroda received RBI approval on December 9, 2025, to establish IDPIC as a Section 8 company under the Companies Act, 2013.

About Indian Digital Payment Intelligence Corporation

IDPIC was incorporated on October 16, 2025, with the Corporate Identity Number U88900MH2025NPL459209. The company operates as a not-for-profit digital payments intelligence platform designed to combat payment fraud through advanced technologies.

Strategic Objectives and Technology Focus

IDPIC aims to promote the integrity, security, and resilience of India's digital payment ecosystem by developing robust digital public infrastructure. The platform will leverage advanced technologies including artificial intelligence, machine learning, and blockchain to provide comprehensive fraud detection and prevention services.

The company will serve banks, financial institutions, payment aggregators, payment system operators, and other regulated entities within the domestic payment ecosystem. It will also facilitate cross-border collaboration and provide access to anonymized data-driven insights, beneficiary risk scores, and threat intelligence through secure, self-learning mechanisms including APIs and model testing sandboxes.

Market Impact and Future Prospects

This investment aligns with Bank of Baroda's digital transformation strategy and demonstrates the growing importance of collaborative fraud prevention in India's expanding digital payment landscape. The platform's focus on real-time and near-real-time fraud risk assessment positions it as a critical infrastructure component for maintaining public confidence in digital payment systems.

Bank of Baroda , one of India's leading public sector banks, has announced a significant reduction in its Baroda Repo Based Lending Rate (BRLLR). The bank has cut the BRLLR by 25 basis points, bringing it down to 7.90% from the previous 8.15%. This change is set to take effect from December 6, 2025.

Key Points of the Rate Change

• Old BRLLR: 8.15%
• New BRLLR: 7.90%
• Reduction: 25 basis points
• Effective Date: December 6, 2025

This rate cut is expected to have a substantial impact on the bank's lending operations and could potentially lower borrowing costs for customers across various loan categories.

Impact on Borrowers

The reduction in BRLLR may benefit both existing and new borrowers:

1. Existing Borrowers: Those with loans linked to the BRLLR may see a reduction in their interest rates, potentially leading to lower EMIs.
2. New Borrowers: Prospective customers might find Bank of Baroda's loan offerings more attractive due to the reduced lending rate.

Bank's Financial Position

To provide context on Bank of Baroda's financial standing, here's a snapshot of key financial metrics based on the most recent balance sheet data:

The bank has shown significant growth in its total assets and equity over the past year, indicating a strong financial position. This robust financial standing may have provided the bank with the flexibility to reduce its lending rates.

Conclusion

Bank of Baroda's decision to reduce its BRLLR by 25 basis points is a significant move that could enhance its competitiveness in the lending market. As the new rate comes into effect on December 6, 2025, both existing and potential customers should closely monitor how this change may impact their borrowing costs and financial planning.