Use this page as a one-stop reference for everything related to Bank of Baroda's KOSAMDI branch in ANKLESHWAR, GUJARAT. The branch's IFSC code BARB0KOSAMD is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.
IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.
In our case, BARB0KOSAMD is the IFSC of Bank of Baroda's KOSAMDI branch. The format is fixed: BARB = bank code, 0 = reserved, KOSAMD = branch identifier.
Bank profile
Bank of Baroda is among the recognised banks listed on the Reserve Bank of India's payments network. The Kosamdi branch — IFSC BARB0KOSAMD — extends the bank's services to customers in and around Ankleshwar, Gujarat.
About this branch
The branch is located at OPP KUMKUM,BANGLOWS RAJDEEP PARK,VALIA ROAD,ANKLESHWAR,GUJARAT 393002. It serves the Ankleshwar region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Bank of Baroda. The IFSC BARB0KOSAMD is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | Bank of Baroda |
|---|---|
| Branch | Kosamdi |
| IFSC Code | BARB0KOSAMD |
| MICR Code | Refer to cheque leaf |
| Branch Address | OPP KUMKUM,BANGLOWS RAJDEEP PARK,VALIA ROAD,ANKLESHWAR,GUJARAT 393002 |
| City | Ankleshwar |
| District | Bharuch |
| State | Gujarat |
| Phone | 1800223344 |
Why every Bank of Baroda branch has a unique IFSC
Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including KOSAMDI of Bank of Baroda — its own 11-character IFSC. The code BARB0KOSAMD is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.
Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC BARB0KOSAMD the same way you would treat your account number — verify it once and save it carefully for future use.
MICR code & cheque clearing
Apart from IFSC, every cheque book issued by Bank of Baroda carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC BARB0KOSAMD and the account number together uniquely identify the Kosamdi branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC BARB0KOSAMD
Online transfers in India are powered by three major channels — NEFT, RTGS and IMPS — and each one requires a destination IFSC. Below is a quick guide for using IFSC BARB0KOSAMD across all three.
How to use IFSC BARB0KOSAMD for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Bank of Baroda's KOSAMDI branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC BARB0KOSAMD.
- Confirm the bank name auto-populates as Bank of Baroda and the branch as KOSAMDI.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC BARB0KOSAMD
RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to Bank of Baroda – KOSAMDI, ensure your bank's portal accepts IFSC BARB0KOSAMD while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Bank of Baroda – KOSAMDI, use IMPS. With IFSC BARB0KOSAMD and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC BARB0KOSAMD for Bank of Baroda – KOSAMDI, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – BARB0KOSAMD | Yes – BARB0KOSAMD | Yes – BARB0KOSAMD |
For most retail customers crediting the Kosamdi branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.
How UPI relates to the IFSC code
UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at Bank of Baroda's KOSAMDI branch, the IFSC BARB0KOSAMD is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.
That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.
Account types you can open at the Kosamdi branch
Once you have an account at Bank of Baroda – KOSAMDI, the IFSC BARB0KOSAMD stays the same regardless of the type of account you hold. The branch typically supports the following options:
- Savings account — for individuals, with chequebook, ATM card and net-banking access.
- Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
- Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
- NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
- Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
- Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
- Minor and student accounts — operated jointly with a guardian until the customer turns 18.
Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.
Products and services
Customers walking into the Kosamdi branch can access most of Bank of Baroda's standard product suite, including:
- Account opening – savings, current, NRI, salary
- Term deposits and recurring deposits
- Retail and small-business loans
- Insurance and mutual-fund tie-ups
- Locker, safe deposit and ATM card services
- Online and mobile banking activation
- Electronic transfers via IFSC BARB0KOSAMD
Online banking and IFSC BARB0KOSAMD
Bank of Baroda customers can register for net banking and the bank's official mobile app once their account at the KOSAMDI branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC BARB0KOSAMD is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.
Reaching the branch
The Kosamdi branch sits at OPP KUMKUM,BANGLOWS RAJDEEP PARK,VALIA ROAD,ANKLESHWAR,GUJARAT 393002. If you are travelling from outside Ankleshwar, search for the branch on a maps application using the bank name and locality, or call 1800223344 to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC BARB0KOSAMD and your account number.
Common mistakes to avoid when using IFSC BARB0KOSAMD
An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to Bank of Baroda – KOSAMDI, double-check for these issues:
- Confusing 0 with O. The fifth character of every IFSC is the digit
0, not the letter O. Read carefully. - Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters:
BARB0KOSAMD. - Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
- Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
- Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.
Working hours
Branch counters at Kosamdi are usually open from 10 AM to 4 PM on weekdays. Saturdays follow the RBI's alternate-Saturday rule. Even when the branch is closed, NEFT, RTGS, IMPS and UPI transfers addressed to BARB0KOSAMD continue to work without interruption.
Verifying IFSC BARB0KOSAMD from official sources
The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm BARB0KOSAMD by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 1800223344.
- Visiting the bank's official branch locator page.
Branch address & contact
Bank of BarodaKosamdi Branch
OPP KUMKUM,BANGLOWS RAJDEEP PARK,VALIA ROAD,ANKLESHWAR,GUJARAT 393002
Ankleshwar, Gujarat
Phone: 1800223344
IFSC: BARB0KOSAMD
Frequently asked questions
Can I use IFSC BARB0KOSAMD for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC BARB0KOSAMD to send funds instantly.
Where is Bank of Baroda Kosamdi branch located?
Bank of Baroda's Kosamdi branch is located at OPP KUMKUM,BANGLOWS RAJDEEP PARK,VALIA ROAD,ANKLESHWAR,GUJARAT 393002, Ankleshwar, Gujarat.
Is IFSC BARB0KOSAMD the same for all accounts at Kosamdi branch?
Yes. The IFSC BARB0KOSAMD is shared by every account held at Bank of Baroda's Kosamdi branch. Only the account number changes from customer to customer.
How do I add Bank of Baroda Kosamdi as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC BARB0KOSAMD, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using BARB0KOSAMD be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Bank of Baroda – Kosamdi reflect within 30 minutes.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Kosamdi branch but serve different purposes.
Summary
The IFSC code BARB0KOSAMD belongs to Bank of Baroda's KOSAMDI branch, located at OPP KUMKUM,BANGLOWS RAJDEEP PARK,VALIA ROAD,ANKLESHWAR,GUJARAT 393002 in ANKLESHWAR, GUJARAT. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.
