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Bank of Baroda IFSC Code

The country's central bank (RBI) has specified three ways in which we can remit money. These include the popular NEFT, RTGS and IMPS. However, to undertake these transactions, we must have the IFSC Code allotted by RBI to each bank and the specified branch.

The Bank of Baroda IFSC Code is an 11-digit alphanumeric code having special 4 characters, 'BARB', stand for the name of the bank, the fifth character is always 'zero' for future use and the final six characters specify the 'exact branch address'.

How to Search for Bank of Baroda IFSC Codes?

If you are searching for the IFSC code of your home branch, you can use two mechanisms to search. In the offline mode you will find it written on your cheque book, which has been given to you by the Bank of Baroda branch. If you are looking for online IFSC Code of Bank of Baroda you can find here in Goodreturns.

State Wise Bank of Baroda IFSC & MICR Code

About Bank of Baroda

Bank of Baroda is among the top banks in the country and is a bank that is majority owned by the government of India. You can search for the IFSC codes of Bank of Baroda branches through our website.

The bank started its operations way back in the early 1900s. It was in 1904 to be precise.

From modest beginnings the bank is among the top lenders in the country today with a hi-tech Baroda Corporate Centre in Mumbai, which shows a solid vision, enterprise, financial prudence and corporate governance.

A little about Bank of Baroda

The bank had a new logo done recently, which shows a sun, which is called the Baroda Sun and represents what the bank stands for.

Today, the bank has also generated wealth for the nation and also to its shareholders, through appropriate lending and borrowing.

Bank of Baroda provides a host of services to its discerning customers. This includes lending for corporate and individuals. Some of its products like car loans and home loans are rather popular.

It also has various non banking activities, including, Trade and Finance, Merchant Banking and various other facets of banking.

Bank of Baroda also offers a host of Non-Resident Indian (NRI) services to its customers. It has branches and offices abroad that cater to Non-Resident Indians.

It also has a special NRI desk and the customers can contact the Mumbai office.

Procedure to locate BOB IFSC Code Online

Bank of Baroda’s IFSC and MICR code can be found at the cheque book issued by the bank to you, or else by visiting the official website of the bank.

Apart from this, a multitude of third-party financial portals also helps you find the IFSC code of your bank branch. Not only IFSC Code the Magnetic Ink Character Recognition code also known as MICR which is used for faster clearance of cheques can also be found at the third-party websites. But when it comes to the third-party financial portals Goodreturns.in is among the leading website of the country. Apart from covering finance stuff the portal also allows you to find the IFSC and MICR code of your bank branch and even bank address, MICR code and contact number. The steps involved in looking for the IFSC and MICR code of BOB Bank are given below:

  • Visit Goodreturns.in and select ‘Banking’ from the top menu bar
  • Now under ‘Banking’ select ‘IFSC Code’ and click on ‘BOB IFSC Code’ from the drop-down menu
  • Now you need to select your state, city and branch from the drop-down list
  • Once done, click on the ‘Find Bank’ option you will get the IFSC Code, MICR Code, address and contact number of your selected branch.

Ways To Find BOB MICR Code

To find the BOB MICR Code of your bank branch you can follow the below listed ways.

  1. Though online- One can check the IFSC Code Locator Page offered by Goodreturns.in to find the Bank Of Baroda MICR code of any bank branch by specifying the required details such as name of the bank, branch, city and state. Choose the branch to get the MICR as well as the IFSC code after this. In addition, one can also visit the RBI's website to check for the MICR Code. In addition, it is possible to check for the MICR Code through net banking or the mobile banking service supported by the bank. 
  2. Through offline- One can find the BOB MICR Code by looking at the cheque book. He / she can find the same on the top part of the cheque, and additionally one can also find the same on the front page of BOB passbook issued to him / her by the bank at the time of opening the account. 

How to transfer money using the IFSC Code of Bank of Baroda through NEFT, RTGS and IMPS mode?

Account-holders of Bank of Baroda can use the RTGS or NEFT fund transfer mode to transfer their funds to any bank account in India.


As an account holder of Bank of Baroda the bank will settle your NEFT transfer in batches between Monday and Saturday considering this you fund transfer will be settled on the same day or next working day. In order to render an NEFT transfer, you need to make one-time registration for each beneficiary which you can do by following the steps listed below.

  • Enter the IFSC, RTGS, NEFT of the beneficiary bank along with other required details such as Payee name, IFSC Code, and any.
  • Now select the type of beneficiary account and enter the account number
  • Once the registration is complete the beneficiary account will be used for future transactions
  • For rendering an RTGS/NEFT fund transfer, entering a valid mobile number and email id is mandated
  • For the confirmation of the beneficiary, BOB will send you the Tracker ID of the registered beneficiary on your registered mobile number and email id.  

Real Time Gross Settlement System (RTGS)

Settlements in the Real Time Gross Settlement System (RTGS) are performed by the bank on an individual scale. For RTGS transactions, no charge is imposed and customers have to make transactions as per the guidelines of the bank. Using this service, funds can be transferred anywhere within the country. 

Timings for using BOB NEFT and RTGS service

  • For RTGS: Monday to Friday – 9 AM to 4:15 PM including Saturdays: 9 AM to 1:45 PM
  • For NEFT: Monday to Friday – 8 AM to 6:45 PM including Saturdays: 8 AM to 12:45 PM

Specifics required to initiate fund transfer using BOB RTGS or NEFT fund transfer mode

Customers need to provide the information given below while making an NEFT or RTGS transaction with Bank of Baroda.

  • Amount to be transferred to the beneficiary
  • Account number of the BOB’s beneficiary or recipient 
  • Name of the bank of the beneficiary
  • Name of the beneficiary as per his or her bank account
  • Bank account number of the beneficiary
  • IFSC code of the recipient’s bank branch   

Steps To Initiate Fund Transfer By Using Bank of Baroda NEFT/RTGS Through BOB Net Banking

Bank of Baroda offers "Online NEFT / RTGS" transfer of funds to you, an innovation that expands the net banking experience with comfort and security.


  • This online service is available for BOB Net banking (existing & new) customers to use.
  • Customers of BOB can transfer funds to the beneficiary in a quick easy and secure way. The transfer of funds to other banks is quicker, smoother and convenient in result
  • Quick and simple to use-anywhere, anytime, from home / workplace, which means that it can save your time and effort too for making a fund transfer
  • RTGS / NEFT charges are less than traditional remittance modes if compared to DD or MT

Steps to initiate fund transfer

  • Sign in to ‘Baroda Connect’ and go to the ‘Transfer’ section
  • Now you need to click on the option ‘Transfer to other bank NEFT/RTGS
  • Now fill all the required specifics of the beneficiary and confirm it to proceed the transfer request
  • Once your money is transferred to the beneficiary successfully you will get the confirmation message on your registered mobile number via SMS

Customer Facilitation Centre for NEFT & RTGS concerns

Address For RTGS

Bank of Baroda,

Baroda Sun Tower, 7th Floor, C - 34,

G - Block,Bandra Kurla Complex,

Bandra (E),Mumbai - 400 051.

Phone: 022-67592805-07

Fax: 022-67592830

Email: rtgs@bankofbaroda.com

Address For NEFT

Bank of Baroda,

Digital Banking Department

Baroda Bhawan, Head Office, Bank of Baroda,

R C Dutt Road, Alkapuri, Vadodara – 390007

Phone: 0265-2316160,2316161

Email: neft.mumbai@bankofbaroda.com


The Immediate Payment Service, IMPS, is a quick and fast way to make bank transfers from anywhere, at any point. IMPS is an instant electronic fund transfer service for interbank that is used by a variety of banks around the nation. Any bank that has chosen to be on the IMPS network will provide its customers this service to send and receive funds. The platform is incredibly easy for customers to make cashless transfers to their recipients. An MMID and a mobile number, or a bank account number and an IFSC code, are required to use IMPS. Via mobile banking and online banking, customers can use this service to transfer funds 24x7. IMPS is identical to a NEFT transfer, in that, irrespective of bank timing and holidays, the payment is done instantly. 

Customers of Bank of Baroda can use their mobile phones to make a fund transfer to the beneficiary, those who are willing to initiate fund transfer through IMPS. IMPS is the perfect choice for emergencies and payments that need to be done immediately, because there are no breaks. BOB will deliver a confirmation message after the IMPS transfer has been conducted. They will also be given a confirmation of the amount credited by the recipient's bank. Hence, customers of BOB can instantly transfer funds which they are willing to credit to the beneficiaries.    

Eligibility required to use Bank of Baroda IMPS

Everyone with a Bank of Baroda bank account is eligible for the IMPS service to be used for fund transfer. You must use your debit / ATM card to register with the Baroda M-Connect app. For Baroda M-Connect, customers who do not have a card should visit their respective BOB branch to apply. A 7-digit MMID that will be linked to the primary bank account will then be given to customers. The MMID is sent to the registered mobile number via SMS. BOB Mobile banking app can also be used by customers to create their MMID. You have to choose 'Fund Transfer - Other Bank' and then select 'Know your MMID’ for the same. 

Advantages of using BOB IMPS

IMPS provides users with a range of advantages and some of them are listed below: 

  • BOB IMPS is an instant and user-friendly service’
  • Transfer of funds is credited to the beneficiary’s account directly
  • 24x7x365 service
  • IMPS service can also be used on bank holidays and even after the official banking hours
  • Any customer with an active bank account can use IMPS 
  • Customers can link multiple bank accounts to the same mobile number with separate MMIDs.
  •  IMPS is a service provided by banks that makes it simple and instant to transfer money and make transfers from your bank account.
  • IMPS is available for mobile and online banking only.
  • Using MMID and mobile number you can make fund transfer instantly
  • A confirmation message is delivered to both sender and beneficiary / recipient
  • The caps for transfers are Rs.50,000 per day and Rs.2.5 lakhs per month.
  • This is absolutely a cost-free service

How to register beneficiary for making fund transfer using IMPS?

  • Your payee will need to be registered under the IMPS facility. This is a one-time operation, and for future use, the payee will be preserved.
  • Open the BOB mobile banking app and select the Menu option “Fund Transfer”.
  • Now click on “Other Bank” option and select “Beneficiary Registration”
  • Now select “Online Fund transfer (IMPS)”
  • Now you need to enter the MMID and Mobile Number of the payee
  • Now select a nickname for the beneficiary and confirm your registration process

Details of the beneficiary required to use BOB IMPS

You need the following details to render an IMPS transfer using the MMID method:

  • MMID of the beneficiary
  • Active mobile number of the beneficiary

MMID refers to Mobile Money Identification Number. It ranges from 7 digits and is linked to a specific bank account by a unique number. To identify the bank, the first four digits reflect a unique code. Via mobile banking, internet banking, or at the bank branch, an MMID can be generated. Through using the BOB-provided IMPS service, customers can transfer money to other BOB customers. Even they can render fund transfers to any other bank's bank account. Through using the merchant's MMID, customers can also use IMPS to make payments to merchants. A simple way to go cashless and make transfers quickly is IMPS. 

How to transfer funds using BOB IMPS?

It is easy to transfer funds through IMPS, just follow the steps given below and you are done:

  • Open the Baroda M-Connect app and create your account in order to get MMID, you also need the beneficiary’s mobile number and MMID for initiating fund transfer
  • After signing in to your mobile banking account you need to select “Funds Transfer”.
  • Now click on “Other Bank” and then select “IMPS”.
  • In case you have added the beneficiary you can select the Payee or you can choose “Beneficiary registration” option
  • Now click on ‘Payment’ and enter the mobile number and MMID of the recipient
  • Now enter the amount that you need to transfer and select the bank account from which you want to initiate transfer
  • Now click on ‘Confirm’ to complete the transaction
  • A confirmation SMS will be sent to both the customer and the recipient once the transfer is successful.    

BOB NEFT Limit, Benefits And Timing

Bank of Baroda is providing National Electronic Funds Transfer (NEFT) services to all its customers. Through signing in to their internet banking accounts, all account holders can transfer money without any inconvenience to other bank accounts. This is a method that is quick, efficient and cost-effective. A broad variety of devices, including mobiles, smartphones, tablets, and PCs, can be used for NEFT transfer. The Reserve Bank of India manages and facilitates NEFT and it is possible to initiate fund transfer via NEFT to all NEFT-enabled banks. BOB customers can also pay their credit card bills via NEFT apart from transferring funds as well. 

Procedure to transfer funds via NEFT from BOB to another bank

  • Visit BOB Net Banking portal and sign in your net banking account by entering username and password
  • Click on the 'Other Bank Transfer -NEFT' option once you have signed in to your internet banking account.
  • Fill in the required details, such as name, account number, amount to be transferred and the IFSC code, after confirming that the payee is added.
  • Once the fund is successfully transferred you will get a confirmation message for the same on your registered mobile number via SMS by the bank. 

Another method for the transfer of funds still exists. Via the specific Bank of Baroda branch, this can be performed. The customer will have to visit the nearest BOB branch, where he or she needs to fill out an NEFT application form with all the necessary specifics and submit it at the branch. Without any inconvenience, the bank will process it on behalf of the customer. The transaction will generally be processed within 2 working days.    

Procedure to pay credit card bill via BOB NEFT

Through the Bank of Baroda NEFT service, all credit card bill payments can be made online. For such transactions, the overall limit is typically Rs.1 lakh, but this differs from account holder to account holder.

Specifics required to pay your credit card bill via NEFT:

  • Account number of the beneficiary
  • 16 digit credit card number of the beneficiary
  • Account number of the payee
  • Amount to be remitted
  • Name of the bank and branch

Through NEFT or RTGS, customers who don't have an account with Bank of Baroda can pay. Although RTGS stands for Real Time Gross Settlement, NEFT stands for National Electronic Funds Transfer. Customers must first register their credit cards in order to make Bank of Baroda credit card bill payments through NEFT or RTGS. The methods are outlined below for both registration and payment.

Steps for registration

  • Visit BOB net banking page and sign in to your net banking account
  • Go to the ‘Fund Transfer’ section and click on ‘Add Beneficiary’
  • Now enter the required details such as: Beneficiary Name – Bank of Baroda, Account Number and Bank of Baroda Credit Card IFSC Code – BARB0COLABA

Online methods to pay BOB credit card bill via NEFT

Credit card customers of Bank of Baroda can use the below online payment mechanisms in order to pay their credit card bills:

Billdesk: Bank of Baroda's credit card customers can also make payments via BillDesk. In terms of making use of this service, an online ID activated on the credit card bill must be carried by consumers. Users have to first register with BillDesk, free of charge, to pay credit card bills. BillDesk currently provides this service only in limited areas.

VISA Bill Pay: Visa Bill pay platforms provide a very quick and easy forum for any Visa BOB credit card to render payments. Users can render one-time or one-time bill clearance or set instructions for their bills to make scheduled periodic payments. 

BOB Insta Pay: Using the BOB Cards Insta Pay service via net banking service, Bank of Baroda credit card bills can be settled easily. Without even signing into the BOB portal, customers can pay their bills via Insta Pay. As over 50 banks throughout India currently operate in this network, customers have several alternatives to choose from. The customer should pick Insta Pay and enter the BOB credit card number, enter the verification code,mobile number / email ID and other required details in order to initiate the payment. Customers have the alternative of using Other Bank Net banking services or Bank of Baroda net banking services, so the selected bank from which the payment has to be made has to be selected. A confirmation receipt will be received by customers once the transaction has been completed successfully. Within two working days, the payment made by the customer will be noticeable on the card account.


Making NEFT transactions offline is an alternative option for account holders who have not yet activated their online or mobile banking services. You can make these transactions at any Bank of Baroda branch near you. On the Bank of Baroda website, the branch locator lets you locate the closest branch. But you will be required to completely fill the Bank of Baroda NEFT Form to begin the transfer. At the branch, you can get the same, or you can also download Bank of Baroda NEFT Form in PDF format by directly visiting the official website of the bank. You can visit the Bank of Baroda branch for any offline transactions, submit a properly filled Bank of Baroda NEFT Form and submit it to the bank in order to complete the transaction. You can even follow the below-listed steps in order to fill BOB NEFT form completely.

  • The accessible NEFT form at the branch is split into 2 parts. After filling in the appropriate information, the segment on the left is for the user to use as verification. Once you have filled it out the right part is submitted to the bank.
  • The Remitter Account number, Beneficiary Account number and the IFSC code of the branch to which the money has to be transferred are the specifics required in the NEFT form. To enable the NEFT transfer without any complications, these details have to be filled in with some other relevant details accurately.






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