Bank of Baroda IFSC Code & MICR Code
State wise list of Bank Of Baroda IFSC code & MICR code.
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Bank of Baroda (BOB) IFSC Code
Bank of Baroda (BOB) is a state-owned global banking and financial services company with its headquarters in Vadodara, Gujarat. The bank offers a host of banking services and products to its huge customer base. All BOB branches are given an IFSC Code so that they can provide smooth online fund transfer services. An IFSC is an 11-digit code that is unique to every bank branch.
You must have the Bank of Baroda branch’s IFSC code to transfer money to that specific BOB branch. It ensures that money can be conveniently transferred to the correct account.
Given below is an example of a Bank of Baroda IFSC code:
"BARB0CALICU" - IFSC Code for a Baroda Bank branch in Calicut, Kerala.
The above can be used for online funds transactions via NEFT, RTGS and IMPS to any Baroda Bank account.
- The first four alphabets, BARB, denotes the name of the bank, i.e., Baroda Bank 0 - For future use
- 000136 - Indicates the particular branch of Baroda Bank (Calicut City branch).
How to Find Bank of Baroda IFSC Code and MICR Code Online
You can use the complete name of the bank and its branch and search for the IFSC code and MICR code of a specific branch. The IFSC and MICR codes for the respective banks are listed on the Reserve Bank of India and BOB (Bank of Baroda) websites. Apart from the bank's official website, the other sources available for getting IFSC codes are either third-party financial websites or fiscal comparison websites.
How to Find Bank of Baroda IFSC Code and MICR Offline
Cheque books and passbooks issued by Bank of Baroda contain printed IFSC and MICR codes.
IFSC Code Structure
An IFSC code consists of 11 alphanumeric characters in a structured format:
- The first four characters represent the bank's name.
- The fifth character is always ‘0’ (zero), reserved for future use.
- The last six characters uniquely identify the bank’s branch.
Impact of Bank Mergers on Bank of Baroda IFSC Codes
Dena Bank and Vijaya Banks were merged into Bank of Baroda, effective 1 April 2019. Post merger, Bank of Baroda became the third largest bank in the country. In India, this was the first ever three-way consolidation.
How is the IFSC Code for Bank of Baroda Allotted?
All banks and their branches are given an Indian Financial System Code (IFSC) by the Reserve Bank of India (RBI) in order to facilitate electronic transactions. Usually, an IFSC code can be found on the RBI's official website, a bank passbook, or a check leaf. To carry out bank transactions via NEFT, RTGS, or IMPS transfers, this code is necessary.
Uses of Bank of Baroda IFSC Code
The uses of Bank of Baroda IFSC Code are given below:
- Through NEFT you can transfer funds from one bank account to another of the same bank or different bank. The IFSC Code helps in enabling this process.
- Through RTGS you can transfer funds of up to a minimum limit of Rs. 2 lakh per day. There is no maximum limit for transactions conducted at a bank branch.
- Through IMPS, you can transfer funds anytime. This facility is available 24x7 throughout the year for 365 days.
- IFSC codes make online banking easier.
Benefits of Bank of Baroda IFSC
The benefits of Bank of Baroda IFSC code are listed below:
- To streamline financial transactions: Transferring money becomes simple and convenient because there would be no need for you to break from your busy schedule to visit your bank or wait in a queue.
- Lowers the chance of fraud: Your transactions are further secured by the unique IFS codes assigned to each bank and its corresponding branches.
- Expedites the fund transfer process: Nowadays, transferring money only takes a few minutes. You can carry out banking tasks from the comfort of your house because of online banking.
How Bank of Baroda MICR Code Helps in Cheque Processing
Some of the benefits of Bank of Baroda MICR code are as follows:
- Prevents fraud: MICR offers a safe and uniform way to encode important data, like the account number, cheque number, and routing number of the bank, preventing cheque fraud.
- High accuracy: The processing and reading of cheques has become highly accurate because of MICR technology. Specialised equipment can quickly identify the distinct magnetic characters printed with MICR ink. This eliminates errors in data entry and cheque processing.
- Quick processing of documents: Banks can clear and process a large number of financial documents quickly with the help of MICR.
Other IFSC Related Article
Top Branches of Bank Of Baroda
- Bank of Baroda Hukumpeta Branch
- Bank of Baroda Alwal Branch
- Bank of Baroda Bobbili Branch
- Bank of Baroda Bhikaji Cama Place Branch
- Bank of Baroda Hoshangabad Road Bhopal Branch
- Bank of Baroda Juinagar Branch
- Bank of Baroda Nimbahera Branch
- Bank of Baroda Ayanavaram Branch
- Bank of Baroda Kinathukadavu Branch
- Bank of Baroda Crossing Republic Ghaziabad Branch
- Bank of Baroda Pratapgarh Branch
- Bank of Baroda Uttar Pradesh Gramin Bank Branch
- Bank of Baroda Jagatpur Raebareli Branch
Bank of Baroda IFSC Codes for Top Cities
FAQs on Bank of Baroda IFSC code
- Why is the Bank of Baroda IFSC code required?
If you are transferring money to a Bank of Baroda’s account holder through NEFT or RTGS, it is mandatory to provide the Bank of Baroda’s IFSC code.
- Can I get a particular Bank of Baroda branch IFSC code online?
Yes. You can check a specific Bank of Baroda IFSC code in the official website of the Reserve Bank of India (RBI).
- Can Bank of Baroda IFSC Code of two branches be the same?
No. Each Bank of Baroda branch has its unique IFSC code. In fact, this is applied to all other banks as well.
- What is the format of the IFSC code of Bank of Baroda?
For Bank of Baroda's 11-digit IFSC code, the first four letters will be 'BARB', and the last six digits will represent a specific branch code. In the case of Bank of Baroda, the last six digits are alphabets that denote the area where the branch is located and not a number.
- What happens if I enter the wrong IFSC code during a transfer?
If the IFSC code is wrong but the account number is correct, the transaction usually fails, and the amount is refunded. If both are wrong and valid, the money may go to the wrong account, and recovery can be difficult. Always double-check details before transferring.
- Has the Bank of Baroda IFSC code changed?
After the amalgamation, The Bank has stopped using the using IFSC codes for the former Dena Bank (eDB) and the former Vijaya Bank (eVB), which begin with BKDNXXXXXX and VIJBXXXXXX, respectively.
- How can I find Bank of Baroda’s IFSC code offline?
You can find the Bank of Baroda’s IFSC code offline at the bank passbook or on the top of a cheque leaf near the bank account number.
- Can I transfer money without an IFSC code?
It is impossible to identify bank accounts without an IFSC code, making it impossible to transfer money between various banks. It is still possible to transfer money inside the same bank without using the IFSC code, though.
- Why is an IFSC code needed?
The IFSC code is essential for online money transfers. The code enables quick and error-free identification of the bank and each of its branches throughout the money transfer process.
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