Last updated on: August 6, 2025

Bank of Baroda IFSC Code: The Ultimate Guide in 2025

In the fast-digitalising world of Indian banking, the Bank of Baroda IFSC code is an essential element of daily transactions in 2025. As UPI, NEFT, RTGS, and IMPS transfers are common to both individuals and businesses, learning how to effectively utilize the Bank of Baroda IFSC code can save time, eliminate mistakes, and streamline online banking. This guide covers all the basics to the advanced use-cases, considering the real experiences and day-to-day applicability.

What is an IFSC Code in Bank of Baroda?

An IFSC (Indian Financial System Code) is a unique 11-character identifier assigned to every branch of a bank by the Reserve Bank of India. In the case of Bank of Baroda, every branch, be it in a metro city or a village, has a different IFSC code. This code will make sure that your money will go to the correct branch without any confusion, particularly in case of online or wire transfers.

Example: The IFSC code of Bank of Baroda, Connaught Place Branch, New Delhi, may be: BARB0CONNAU

• First 4 letters: ‘BARB’ indicates Bank of Baroda
• Fifth character: ‘0’ is reserved as a control character
• Last 6 characters: Branch specific

What is the Importance of the Bank of Baroda IFSC Code?

The IFSC code is the digital equivalent of the address of your bank branch. It aids the banking system:

• Transfer money correctly in the process of online money transfers
• Eliminates confusion and delays in NEFT, RTGS, and IMPS payments
• Protects your transactions by checking branch location
• Supports online marketplaces and digital payment platforms

In 2025, with more payments, bills, and even investments being made online, it is crucial to use the right IFSC code to ensure reliability and security.

How to locate Bank of Baroda IFSC Code in 2025

With the help of digital tools and various official sources, locating the correct IFSC code is now easier than ever. Here are the trusted ways to locate any Bank of Baroda IFSC code:

1. Bank Passbook & Chequebook

• The IFSC code is typically printed on the first page of your passbook.
• The IFSC code is also printed on the leaves of chequebooks with the address of the branch.

2. Bank of Baroda Website

• Go to the Branch Locator of Bank of Baroda.
• Enter the state, city, and branch name or code.
• The IFSC code is shown together with the branch details.

3. Online Banking and Online Applications

• Log in to the Bank of Baroda net banking or mobile banking portal.
• Navigate to the ‘Account Information’ section.
• Your account details include the IFSC code.

4. RBI Website

The IFSC code directory of the Reserve Bank of India is a legitimate source of checking or verifying the IFSC code of all banks, including Bank of Baroda.

5. Branch Visit or Customer Care

Stalled or indecisive?

• Call Bank of Baroda’s customer care (1800 5700).
• Contact your local Bank of Baroda branch to get instant assistance.

6. Online Marketplaces and Payment Apps

When paying bills or making purchases, online marketplaces and payment gateways are likely to auto-fill the IFSC code when you enter your branch information, which minimizes the possibility of error.

What is the structure of a Bank of Baroda IFSC Code?

Knowledge of the structure demystifies the code and helps to identify errors.

Each branch of the Bank of Baroda in India has a different last 6 characters.

Pro tip: Although mobile apps tend to autofill this, it is always best to double-check when manually entering IFSC codes, as an incorrect code may delay or route your payments to the wrong place.

When Do You Require Using Bank of Baroda IFSC Code?

You will encounter this code in your daily digital banking practices including:

• Transferring money through NEFT, IMPS, RTGS:
  The beneficiary will require the Bank of Baroda IFSC code to make an intra- or inter-bank transfer.

• Online shopping & bill payments
  Most of the e-commerce and service websites need your bank IFSC during account registration or refunds.

• Setting up auto-debit instructions (ECS):
  Utility bills auto pay, SIPs, loan EMIs, all are dependent on correct IFSC codes.

• Integration with payment applications such as Paytm, PhonePe, Google Pay, Amazon Pay:
  The IFSC code can be required to confirm your account or to add bank details manually.

• International wire transfer
  Widely used is the SWIFT code, but sometimes also the IFSC is requested in addition.

How to Use Bank of Baroda IFSC Code in Making Payments

1. Log in to Net Banking or Payment App
2. Add New Beneficiary
3. Enter the account number, name and the IFSC code of Bank of Baroda
4. Enter the Amount of Transaction
5. Validate Details
   • Check the IFSC twice to ensure that there are no typos
6. Authenticate and Pay
   • Typically through OTP or PIN
7. Confirmation
   • Funds are transferred instantly (IMPS) or within hours (NEFT, RTGS)

Typical Scenarios Where IFSC is Necessary

• Renting a house to a landlord who has a Bank of Baroda account
• Paying tuition to a college account
• As a small business owner, Receiving stall payments

The Effect of Inaccurate Bank of Baroda IFSC Code

Mis-typing or entering an incorrect IFSC may lead to:

• Transaction failure (money is held and then refunded)
• Funds being sent to the wrong branch or person (rare, but possible)
• Delays in payments, which might affect the deadlines of bills or fines

What to do in case you have entered a wrong IFSC?

Immediately contact your bank customer care with details of the transaction. The funds may be retrieved in some cases before they have been credited.

Bank of Baroda IFSC Codes: Some Common Codes in Different Cities

The following table is a list of some of the largest branches of the Bank of Baroda in India as of 2025:

It is advisable to always re-confirm with official sources before making a transfer, as branches may merge or codes may change due to bank rationalisation.

Real-World Scenarios: User Experience

Soniya, a working professional in Pune:
“When I was paying my rent using a UPI app, I needed to add the account of my landlord, which was in the Bank of Baroda. The IFSC code was auto-filled when I entered the name of the branch, which saved me time and prevented errors.”

Rajesh, a retired officer in Chennai:
“I still like to use NEFT via net banking. Correct IFSC code of my children accounts will help in ensuring the money goes to the correct account, particularly in times of emergency.”

How to check a Bank of Baroda IFSC Code?

Absolutely. Any IFSC code can be verified on the official portals of both the RBI and the Bank of Baroda. You can also cross check the same on reliable financial comparison websites like Paisabazaar or BankBazaar which are regularly updated with official data.

Bank of Baroda IFSC Codes Frequently Asked Questions

What happens in a case of merger or closure of my branch?
In recent years, including 2024-2025, mergers of bank branches have been carried out in terms of operational efficiency. In case your Bank of Baroda branch has been merged, it will inform you of the new IFSC code through SMS/email. Transactions on the old code may be redirected temporarily but should move to the new IFSC as soon as possible.

Can two branches have the same IFSC code?
No. The code of each Bank of Baroda branch is unique and contains a last 6-character branch identifier.

Does IFSC code replace SWIFT code?
No. The IFSC code is also used in India domestically to conduct electronic fund transfer. International transactions need SWIFT codes.

Do digital-only (zero branch) accounts have IFSC codes?
Yes. Even if you open a Bank of Baroda account online (like a digital/instant account), it will be mapped to a base branch and assigned its IFSC code.

Advantages and Disadvantages of Depending on IFSC Code

Alternatives and Related Codes

• MICR Code:
  It is primarily used in the processing of cheques, but not in online transfers.

• SWIFT Code:
  International transactions used.

• UPI ID:
  Does not need IFSC but may occasionally request it when connecting bank accounts.

Best Practices 2025

• Ensure that high-value payments are always verified using the IFSC code.
• Check codes using official sources; do not use random links of third parties.
• Update beneficiary information when your branch merges or is restructured.
• The most widely used IFSC codes are safe to use.
• When in doubt, contact the customer service at Bank of Baroda.

TLDR / Quick Recap

• The IFSC code of the Bank of Baroda is used to uniquely identify each branch of the bank to facilitate the transfer of funds online in 2025.
• Find the IFSC code of your branch on passbooks, cheques, the official site, or net banking portal.
• You will require the IFSC to transfer money through NEFT, RTGS, IMPS, pay bills, and create auto-debits.
• Never assume an IFSC; always check with credible sources, particularly during the rationalisation of branches.
• Wrong IFSC may lead to failed payments or wrongly directed payments-check is important.

FAQs

What is my Bank of Baroda branch IFSC code?
Check your passbook, chequebook, or go to the Bank of Baroda site to the branch locator. Alternatively, through the official mobile banking app or customer care.

Is it possible to transfer money without the IFSC code in the Bank of Baroda?
No. In the case of NEFT, RTGS, or IMPS transfers, the IFSC code is required to route the transfer correctly.

Are IFSC codes to be changed in 2025?
In some cases, some codes may be modified as a result of mergers or branch updates by the bank. Always verify before sending money, particularly after getting a bank alert.

What happens when I type the wrong IFSC code?
The transaction can be denied or delayed. Immediately contact your bank with transaction reference details to resolve.

Is the IFSC different in each account in Bank of Baroda?
No. All accounts within the same branch have the same branch IFSC code. The account number is the personal identifier.