IFSC Code of Bank of Baroda, Ashtamichira Dist Thrissur Branch, Kerala

This page lists the IFSC code, branch address, contact number and fund-transfer information for Bank of Baroda, ASHTAMICHIRA DIST THRISSUR branch in ASHTAMICHIRA. The 11-digit IFSC BARB0ASHTAM uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Bank of Baroda at the ASHTAMICHIRA DIST THRISSUR location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.

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, BARB0ASHTAM is the IFSC of Bank of Baroda's ASHTAMICHIRA DIST THRISSUR branch. The format is fixed: BARB = bank code, 0 = reserved, ASHTAM = branch identifier.

About Bank of Baroda

Bank of Baroda operates a wide network of branches across India, including the Ashtamichira Dist Thrissur branch in Ashtamichira. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, BARB0ASHTAM.

Branch details at a glance

About this branch

The branch is located at NSS KARAYOGAM SHOPPING COMPLEX,ASHTAMICHIRA,DIST THRISSUR KERALA 680 731. It serves the Ashtamichira 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 BARB0ASHTAM is used to identify this branch on the RBI payments network.

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 ASHTAMICHIRA DIST THRISSUR of Bank of Baroda — its own 11-character IFSC. The code BARB0ASHTAM 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 BARB0ASHTAM the same way you would treat your account number — verify it once and save it carefully for future use.

Account types you can open at the Ashtamichira Dist Thrissur branch

Once you have an account at Bank of Baroda – ASHTAMICHIRA DIST THRISSUR, the IFSC BARB0ASHTAM 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 Ashtamichira Dist Thrissur 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 BARB0ASHTAM

How to transfer money using IFSC BARB0ASHTAM

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 BARB0ASHTAM across all three.

How to use IFSC BARB0ASHTAM for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Bank of Baroda's ASHTAMICHIRA DIST THRISSUR 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 BARB0ASHTAM.
4. Confirm the bank name auto-populates as Bank of Baroda and the branch as ASHTAMICHIRA DIST THRISSUR.
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 ASHTAMICHIRA DIST THRISSUR

If you need to transfer ₹2 lakh or more in one go to an account at Bank of Baroda's ASHTAMICHIRA DIST THRISSUR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BARB0ASHTAM while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Bank of Baroda – ASHTAMICHIRA DIST THRISSUR, use IMPS. With IFSC BARB0ASHTAM 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 BARB0ASHTAM for Bank of Baroda – ASHTAMICHIRA DIST THRISSUR, 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 Ashtamichira Dist Thrissur 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 ASHTAMICHIRA DIST THRISSUR branch, the IFSC BARB0ASHTAM 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.

Online banking and IFSC BARB0ASHTAM

Bank of Baroda customers can register for net banking and the bank's official mobile app once their account at the ASHTAMICHIRA DIST THRISSUR 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 BARB0ASHTAM 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.

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 BARB0ASHTAM and the account number together uniquely identify the Ashtamichira Dist Thrissur 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 – ASHTAMICHIRA DIST THRISSUR:

• The IFSC is exactly BARB0ASHTAM 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 ASHTAMICHIRA DIST THRISSUR 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 Ashtamichira Dist Thrissur branch sits at NSS KARAYOGAM SHOPPING COMPLEX,ASHTAMICHIRA,DIST THRISSUR KERALA 680 731. If you are travelling from outside Ashtamichira, 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 BARB0ASHTAM and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC BARB0ASHTAM for Bank of Baroda – ASHTAMICHIRA DIST THRISSUR, 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.

Branch banking hours and holidays

Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Ashtamichira Dist Thrissur branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BARB0ASHTAM, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: BARB0ASHTAM is the IFSC code of Bank of Baroda, ASHTAMICHIRA DIST THRISSUR branch, in ASHTAMICHIRA, KERALA. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.