Bank of Baroda IFSC Code is an 11 digit code assigned to each of its branches by the Reserve Bank of India (RBI). This code helps in electronically transferring the funds to another individual, corporate or firm.
Below-mentioned is some of the features of Bank of Baroda IFSC Code:
- It helps in transferring online funds easily
- It helps in identifying transactions of a specific branch
- It ensures there are no errors in the fund transfer process
- It is used for all electronic payment options such as NEFT, RTGS, IMPS and UPI
Format of Bank of Baroda IFSC Code
Bank Code | ZERO | Branch Code | ||||||||
B | A | R | B | 0 | B | U | P | G | B | X |
As seen from the above example “BARB0CHANDN” is the BOB IFSC code where in the first 4 alphabets ‘BARB’ represent the ‘Bank Code’ followed by ‘0’ which is same for all the banks. And the last 6 letters “CHANDN” represent the unique ‘Bank Branch’ that is Chandni Chowk, Delhi.
Difference between Bank of Baroda MICR Code, BOB SWIFT Code and IFSC code?
IFSC Code | MICR Code | SWIFT Code |
It is an 11-digit alphanumeric code | It is a 9-digit numeric code | Swift code consists of 8 to 11 characters |
Used for online fund transfer via NEFT, RTGS and IMPS | Used in faster processing or clearing of cheques | Used to facilitate international credit transfer between two banks |
The first 4 characters indicate bank code, 5th character is always zero and the last 6 characters indicate the bank code | First 4 digits indicate the city code, middle 3 characters indicate the bank code and the last represent the branch code | First 4 characters indicate the bank code, next 2 represent country code, 5th & 6th character represent location code, last 3 are optional that represent branch code |
Different Ways to Search for Bank of Baroda IFSC Code
BOB customers can search for the IFSC Code for any branch by any of the below-mentioned ways -
- Bank of Baroda account holders can make use of the online IFSC Search Tool offered by Paisabazaar by following the steps mentioned below:
- Find the IFSC search tool at the top of this page
- The default selected bank is Bank of Baroda (BOB), it can be changed to another bank name if required
- Select the essential information like state and city
- Now, select the bank branch to check its IFSC code
Alternatively, IFSC code for any BOB branch can be found on the following platforms also:
- Bank account holders can find these details on their bank cheque as shown in the picture below:
- IFSC code is mentioned at the top of the cheque whereas Cheque number and MICR code is present at the bottom of the cheque
- Bank account holders can also check the IFSC code on their account passbook issued by the bank
- The Reserve Bank of India’s website also provides BOB IFSC Code
- Bank customers can also know there code in the bank’s mobile application or through internet banking after login using the credentials
How to transfer money using BOB IFSC Code?
BOB customers can use IFSC code to send money to another person who holds an account in any branch of the same or different bank via a number of ways:
NEFT
National Electronic Funds Transfer (NEFT) is a fund transfer mode that works on a deferred settlement basis which means the transactions are carried out in batches.
Fund transactions can be carried out via NEFT for which the sender has to provide the following details –
- Beneficiary’s Name
- IFSC code of the Beneficiary Bank Branch
- Account Type
- Account Number
RTGS
Fund transfers through the Real Time Gross Settlement (RTGS) system occurs on a real-time basis. Customers can make a transaction using RTGS where the sender needs to provide the following details –
- Name of the Payee
- Account number
- IFSC Code of the Beneficiary’s Bank Branch
- Amount to be paid
IMPS
Immediate Payment Services (IMPS) is a real-time instant inter-bank fund transfer system. This service is available 24x7, throughout the year. In order to send money, the sender needs to provide the following details -
- Beneficiary’s Account Number
- Account Type
- Bank of Baroda IFSC Code or other banks IFSC Code (Beneficiary’s Bank Branch)
- Beneficiary’s Name
How to locate any BOB branch from IFSC Code?
The 11 character IFSC code is a combination of 3 essential components:
- The first 4 characters represent the bank code
- The 5th character is a ‘0’
- The remaining 6 characters signify a specific branch code
Hence from the last 6 characters, one can locate BOB Branch.
For eg: BARB0BORIVL is the IFSC Code of Borivali West branch of BOB wherein “BORIVL” represents the branch
Examples of IFSC Code of Bank of Baroda Branches
STATE | CITY | BRANCH | IFSC CODE |
Maharashtra | Mumbai | Bank of Baroda Borivali West | BARB0BORIVL |
Maharashtra | Mumbai | Bank of Baroda Goregaon West | BARB0GOREGA |
Maharashtra | Thane | Bank of Baroda Mira Road | BARB0MIRARO |
Maharashtra | Mumbai | Bank of Baroda Kandivali West | BARB0KANDIV |
Maharashtra | Mumbai | Bank of Baroda Kandivali East | BARB0AKURLI |
Maharashtra | Mumbai | Bank of Baroda Goregaon East | BARB0GOREAS |
Andhra Pradesh | Gudivada | Bank of Baroda Gudivada, Dist Krishna | BARB0GUDIVA |
Rajasthan | Barmer | BOB Barmer | BARB0BARMER |
How to find Bank of Baroda MICR Code?
Online Modes
Paisabazaar IFSC Code Tool Locator
To get the Bank Of Baroda MICR code of any bank branch, one can check the IFSC Code Locator Tool offered by Paisabazaar. Provide details like Bank name, state, and city. After this, select the branch to get the MICR as well as the IFSC code
Reserve Bank of India Website
One can visit the RBI website to look for the MICR Code
Digital Banking Platforms
MICR Code can also be searched via net banking or the mobile banking facility offered by the bank
Offline Mode
Cheque Book
The MICR code of the respective branch is mentioned in the cheque book of the account holder
Passbook
The MICR code of the respective branch is mentioned on the front page of the passbook
Frequently Asked Questions (FAQs)
How to find the IFSC Code of Bank of Baroda by using account number?
Account holders can’t do BOB IFSC code search by account number as of now. Accountholders can check their IFSC code of BOB bank branch by logging into BOB net banking portal or BOB mobile banking app.
Is it possible to transfer money without using the IFSC code of BOB?
BOB IFSC Code is used to facilitate the electronic or online transfer of funds using NEFT, RTGS and IMPS. The BOB IFSC Code helps in the unique identification of all banks and their respective branches enabling customers to avoid any fraudulent activity while facilitating online fund transfer.
Hence it is not possible to transfer money without using the IFSC code of BOB.
What if the IFSC Code is wrong in NEFT?
The money will be debited from the remitter’s account but it will not be credited into beneficiary's account due to wrong NEFT Code. Banks may undergo an internal settlement and may credit the money into the beneficiary's account based on the account number.
Where to find BOB IFSC Code on Cheque Book and Passbook?
BOB IFSC code is mentioned at the top of the cheque and on the passbook, it is mentioned on the front page.
Can we retrieve Bank of Baroda account statement via IFSC Code?
In order to get the Bank of Baroda account statement, one needs to have the account details along with the IFSC code of his/her account. IFSC code alone has no role to play in order to retrieve Bank of Baroda account statement.
How to know the branch code of Bank of Baroda from IFSC Code?
The 11 character BOB IFSC code is a combination of 3 essential components:
- The first 4 characters represent the bank code
- The 5th character is a ‘0’
- The remaining 6 characters signify a specific BOB branch
Hence from the last 6 characters, one can locate BOB Branch.
Does BOB Credit Card have IFSC Code?
No, a credit or a debit card don't contain any kind of IFSC Code. IFSC Code is a fund transfer code used by various fund transfer systems like NEFT, RTGS or IMPS.
However, in case a cardholder wants to make the credit card bill payment, he/she has to enter the BOB Credit Card IFSC Code to make the payment through NEFT/RTGS.
How to find IFSC Code from CIF number?
A CIF number is entirely different from an IFSC Code, hence there is no way to find out IFSC Code from CIF number. Here is a difference between both:
CIF | IFSC |
CIF stands for Customer Information File and is unique for every customer. | IFSC stands for Indian Financial System Code. |
It is an 11 digit number representing a file. CIF is basically a digital or virtual file containing all the important banking details of the account holder. | It is an 11-digit alphanumeric code used in the online fund transfer via NEFT, RTGS or IMPS. |
How to find IFSC code in BOB net banking?
One can login into his/her netbanking account using the credentials. After the successful login, look into the account details under the “Profile” section. IFSC Code of the logged in account will be mentioned there.