Last updated on: August 6, 2025

Dena Bank IFSC Code: The Ultimate 2025 Guide

Whenever you are sending money within India, particularly online or via UPI payment, you may have encountered the phrase IFSC code. The Dena Bank IFSC code is important even in 2025 to former Dena Bank customers or anyone with legacy accounts after its merger. This guide will explain everything you need to know about Dena Bank IFSC codes: what they are, how to find one, whether they are relevant after the Dena Bank merger, and the answers to the practical questions that you may have now.

What is an IFSC Code and Why is it Important?

IFSC, or Indian Financial System Code, is a unique 11-character code assigned to individual bank branches by the Reserve Bank of India (RBI). It is necessary:

• Sending money through NEFT, RTGS, or IMPS
• Making sure that money goes to the right bank branch
• Facilitating UPI transactions (especially into older account numbers)

Whenever you transfer money online, the IFSC code keeps your money in the right hands.

The significance of Dena Bank IFSC Code Post-Merger in 2025

Dena Bank was merged with Bank of Baroda and Vijaya Bank in the year 2019 to become a single and larger bank. Old cheque books, passbooks and account numbers are still in the hands of many former Dena Bank customers. What is the status of Dena Bank IFSC codes in 2025?

Is the Dena Bank IFSC Code Valid in 2025?

For most customers, Dena Bank IFSC codes have transitioned to Bank of Baroda (BOB) IFSC codes. However:

• Old IFSC codes may auto-recognise in many UPI applications and marketplaces during the interim
• RBI and Bank of Baroda have sent periodic reminders to update account details
• If you haven’t updated your details, you may face transaction failures or delays

Key Point: You will need to use the new Bank of Baroda IFSC code that is mapped to your previous Dena Bank branch/account, in all practical purposes in 2025.

What is the Mechanism of an IFSC Code?

Here’s how most IFSC codes are structured:

Example IFSC:

• Old Dena Bank IFSC: BKDN0001755
• New (post-merger) IFSC: BARB0DBFAMY

Finding Your Dena Bank IFSC Code in 2025

Where do I find my account IFSC code?
There are several ways to find out your old Dena Bank IFSC code and the new BOB IFSC code:

1. Look at Official Documents

   • Cheque Book/Past Passbook: Cheque leaves or the first page of passbooks always had the IFSC code printed on the top.
   • Account Statements: Find IFSC and account information.

2. Banking Websites & Online Tools

   • Bank of Baroda IFSC Finder: https://www.bankofbaroda.in/branch-locator
   • RBI IFSC Directory: https://www.rbi.org.in/Scripts/IFSCMICRDetails.aspx
   • UPI/Marketplace Apps: Upon adding an account, the apps such as Google Pay, PhonePe, or Paytm can propose the right IFSC code.

3. Customer Support

   • You can go to any branch of Bank of Baroda or call their helpline to clarify the IFSC code
   • Online chat support and service numbers can give immediate information

4. Mobile Banking and SMS

   • Several banks have a facility where users can send a particular SMS to get their account IFSC and MICR code immediately.

Dena Bank IFSC Code Format (Before and After Merger)

Interpretation of the Code:

• First 4 characters: Bank code (BKDN for Dena, BARB for BOB)
• Next 1 character: Normally 0, reserved by RBI
• Last 6 characters: Branch code (may remain same or updated post-merger)

Real-World Experience: What happens when I enter an old Dena Bank IFSC Code?

Will my transaction fail when I enter the older Dena Bank code?
If you’re using net banking or a payment app:

• The app may auto-map/replace the code in case your account has already been migrated in the core system of the bank.
• In other instances, the transaction may not go through or may take time.
• Some of the old post-dated cheques with earlier codes may be retained in rural or semi-urban areas awaiting clarification and this may need manual intervention.

My Experience (2023-2024):
I attempted to send money to my mother using her old Dena Bank account through NEFT using BKDN0001755. The app detected “Dena Bank” and flagged a possible mismatch, suggesting I confirm the branch. The transfer was instantaneous when re-entered with the proposed BARB code. Upon reaching customer care, they stated that such mismatches are becoming a rarity since most accounts are now mapped, although to ensure error-free transfers in 2025, it is always advisable to use the BOB IFSC code.

How to Switch Dena Bank IFSC to Bank of Baroda IFSC: Step-by-Step

• Your new IFSC code can be found in communications sent to your home branch or Bank of Baroda.
• Update payees/beneficiary details in your net banking, UPI, and online marketplaces (Amazon, Flipkart, etc.).
• Order a new cheque book in case of need; it will show the new IFSC.
• Notify employers or any regular senders of the new IFSC code.
• Before trying to make large transactions, test with a small fund transfer.

Pro-Tip: In case you are getting pension payments or direct benefit transfers, ensure that your IFSC is updated in government databases; it will prevent blocking or delay of payments.

Why Do You Need a Dena Bank IFSC Code Today?

• Historically speaking: In case you are making old transactions that were made prior to 2019
• Unmigrated accounts: Uncommon situations of account migration being in progress
• Verification: In the verification of old cheque leafs or documents

Otherwise, in most practical aspects, you will have to use the new Bank of Baroda IFSC code that will be allocated to your old Dena Bank account.

Typical Problems and Solutions in 2025

What will happen in the event that my check bounces?

• Check twice whether you have entered the existing IFSC code.
• Request your branch to provide the mapped BOB IFSC code and update records.
• On online marketplace, add your bank as a new account with new IFSC.

What do I do to change my IFSC code on my salary or pension?

• Submit a request at your HR/payroll or to the government department, attaching new IFSC proof (from passbook or bank letter).
• In the case of NPS or EPF, update information on your online portal or the closest customer service centre.

Is there a fee to change the IFSC or to get new cheques?

• It is free to update the IFSC.
• There can be minimal charges on new passbooks or cheque books as per the policy of Bank of Baroda.

List: Major Differences between Dena Bank and Bank of Baroda IFSC Codes

• Bank code: BKDN vs. BARB
• Branch code: May be kept, or may be altered to provide system consistency
• Legacy status: Dena Bank IFSC largely retired in normal online applications

The Way Online Marketplaces and UPI Apps Handle Migrated Accounts

When you re-add or verify your account in apps such as Google Pay, PhonePe, and Amazon Pay, account updates are likely to occur automatically:

• If prompted for IFSC, enter the new BOB code (BARB0DBXXXX)
• Applications that retrieve account using Account Number + IFSC will be compatible with the latest database
• In some cases, you might be required to remove and add the beneficiary again to clear out old codes

Frequently Used or Example Dena Bank IFSC Codes (for Illustration)

Table: Locations of or Uses of Your IFSC Code

Dos and Don ts: Handling IFSC Codes after Dena Bank

Dos:

• Ensure the updated IFSC code with Bank of Baroda
• Refresh stored payees and favourite transactions
• Inform organisations (employers, mutual funds, brokers) of change

Don’ts:

• Do not use the Dena Bank IFSC to make new transfers
• Do not miss SMS or email notifications about IFSC changes
• Don’t neglect updating details on all platforms (especially online marketplaces)

TLDR / Summary

• The IFSC codes of Dena Bank are largely redundant following the merger; former Dena Bank accounts should use the IFSC codes of Bank of Baroda in 2025.
• NEFT, RTGS, IMPS, UPI and online marketplace transactions require your IFSC code.
• The correct IFSC can always be checked with Bank of Baroda or in recent passbook.
• Update all saved beneficiary records and payment details everywhere (employers, government, apps).
• In case of any misunderstanding, please contact your branch or Bank of Baroda customer care to clarify.

People Also Ask (FAQs)

Is the Dena Bank IFSC code valid in 2025?
No, in virtually every instance. You will have to enter the Bank of Baroda IFSC code of the account you already had with ex-Dena Bank.

Where is my new IFSC code?
Look at your new passbook, cheque book, official site of Bank of Baroda or inquire at your home branch.

Do I have to change my account number as well?
Account numbers are usually maintained wherever feasible, however, always check with your branch.

What happens in case I enter the old IFSC accidentally?
Your transaction might not go through or it might take time; use the new IFSC to ensure you get uninterrupted service.

What do I do to update my IFSC on UPI/marketplaces?
Delete the old bank account and re-add your account with the new IFSC code, as needed in your app.

What can I do when I am not sure about my IFSC code?
Contact the customer care of Bank of Baroda or any of their branches to get a swift response.

This guide provides you with an in-depth, plain-English knowledge of Dena Bank IFSC codes in 2025, so your online transfers and receipts go smoothly in the current banking environment.