IFSC Code of Bank of Baroda, Areraj Branch, Bihar

Below are the complete branch details for Bank of Baroda, ARERAJ branch, located in ARERAJ, BIHAR. The IFSC assigned by the Reserve Bank of India to this branch is BARB0ARERAX. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case BARB0ARERAX for Bank of Baroda – ARERAJ — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For Bank of Baroda's ARERAJ branch, the IFSC BARB0ARERAX breaks down as follows: BARB identifies the bank, 0 is the reserved character, and ARERAX identifies this particular branch.

Bank profile

Bank of Baroda is among the recognised banks listed on the Reserve Bank of India's payments network. The Areraj branch — IFSC BARB0ARERAX — extends the bank's services to customers in and around Areraj, Bihar.

Branch details at a glance

About the Areraj branch

The Areraj branch of Bank of Baroda is situated at IN FRONT OF BUS STAND NEAR SUNILMOTORS ARERAJ DIST PURBI CHAMPARAN BIHAR 845401. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code BARB0ARERAX is used.

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 ARERAJ of Bank of Baroda — its own 11-character IFSC. The code BARB0ARERAX 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 BARB0ARERAX the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Areraj branch is mapped to IFSC BARB0ARERAX on the RBI payments network. The branch generally supports the full retail product catalogue of Bank of Baroda, including:

• Resident savings accounts and salary accounts
• Current accounts for businesses and professionals
• Fixed deposits, recurring deposits and tax-saver deposits
• Demand drafts, banker's cheques and pay orders
• Retail loans — personal, vehicle, education, gold and home
• Credit cards and overdraft facilities (subject to eligibility)
• Third-party investment products such as mutual funds and insurance (through tie-ups)

Whichever product you choose, the IFSC for incoming credits remains BARB0ARERAX.

Products and services

Customers walking into the Areraj 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 BARB0ARERAX

How to transfer money using IFSC BARB0ARERAX

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 BARB0ARERAX across all three.

How to use IFSC BARB0ARERAX for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Bank of Baroda's ARERAJ 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).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC BARB0ARERAX.
4. Confirm the bank name auto-populates as Bank of Baroda and the branch as ARERAJ.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to ARERAJ

If you need to transfer ₹2 lakh or more in one go to an account at Bank of Baroda's ARERAJ branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BARB0ARERAX while initiating the transfer and the credit will appear within minutes.

IMPS to Bank of Baroda ARERAJ (IFSC BARB0ARERAX)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BARB0ARERAX in your mobile or internet banking app, and the money is credited to the ARERAJ branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC BARB0ARERAX for Bank of Baroda – ARERAJ, 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.

For most retail customers crediting the Areraj 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 ARERAJ branch, the IFSC BARB0ARERAX 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.

Digital banking channels

Most day-to-day work that customers used to do at the Areraj branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC BARB0ARERAX is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.

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 BARB0ARERAX and the account number together uniquely identify the Areraj branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Things to verify before sending money

Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to Bank of Baroda – ARERAJ:

• The IFSC is exactly BARB0ARERAX with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills Bank of Baroda as the bank name and ARERAJ as the branch.
• The amount and the purpose of payment are correct.
• You have a valid OTP-verifying mobile number on hand.

A 30-second review here saves hours of reconciliation later.

Reaching the branch

The Areraj branch sits at IN FRONT OF BUS STAND NEAR SUNILMOTORS ARERAJ DIST PURBI CHAMPARAN BIHAR 845401. If you are travelling from outside Areraj, search for the branch on a maps application using the bank name and locality, or call 22-1800223344 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 BARB0ARERAX and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC BARB0ARERAX for Bank of Baroda – ARERAJ, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

Working hours

Branch counters at Areraj 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 BARB0ARERAX continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code BARB0ARERAX belongs to Bank of Baroda's ARERAJ branch, located at IN FRONT OF BUS STAND NEAR SUNILMOTORS ARERAJ DIST PURBI CHAMPARAN BIHAR 845401 in ARERAJ, BIHAR. 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.