This page lists the IFSC code, branch address, contact number and fund-transfer information for Bank of Baroda, ASANDH KARNAL branch in ASSANDH. The 11-digit IFSC BARB0ASANDH 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 ASANDH KARNAL 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, BARB0ASANDH is the IFSC of Bank of Baroda's ASANDH KARNAL branch. The format is fixed: BARB = bank code, 0 = reserved, ASANDH = branch identifier.
Branch details at a glance
| Bank Name | Bank of Baroda |
|---|---|
| Branch | Asandh Karnal |
| IFSC Code | BARB0ASANDH |
| MICR Code | Refer to cheque leaf |
| Branch Address | WARD NO 12 VISHAVKARMA COLONY NEAR TEHSIL OFFICE ASANDH, KARNAL, HARYANA 132039 |
| City | Assandh |
| District | Karnal |
| State | Haryana |
| STD Code | 22 |
| Phone | 1800223344 |
Bank profile
Bank of Baroda is among the recognised banks listed on the Reserve Bank of India's payments network. The Asandh Karnal branch — IFSC BARB0ASANDH — extends the bank's services to customers in and around Assandh, Haryana.
About this branch
The branch is located at WARD NO 12 VISHAVKARMA COLONY NEAR TEHSIL OFFICE ASANDH, KARNAL, HARYANA 132039. It serves the Assandh 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 BARB0ASANDH 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 ASANDH KARNAL of Bank of Baroda — its own 11-character IFSC. The code BARB0ASANDH 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 BARB0ASANDH the same way you would treat your account number — verify it once and save it carefully for future use.
How to transfer money using IFSC BARB0ASANDH
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 BARB0ASANDH across all three.
NEFT to Bank of Baroda, ASANDH KARNAL using IFSC BARB0ASANDH
National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.
To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC BARB0ASANDH, and confirm that the system picks up Bank of Baroda – ASANDH KARNAL. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC BARB0ASANDH
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 – ASANDH KARNAL, ensure your bank's portal accepts IFSC BARB0ASANDH while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Bank of Baroda – ASANDH KARNAL, use IMPS. With IFSC BARB0ASANDH 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 BARB0ASANDH for Bank of Baroda – ASANDH KARNAL, 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 – BARB0ASANDH | Yes – BARB0ASANDH | Yes – BARB0ASANDH |
For most retail customers crediting the Asandh Karnal 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 ASANDH KARNAL branch, the IFSC BARB0ASANDH 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.
Products and account variants supported
Every account opened at the Asandh Karnal branch is mapped to IFSC BARB0ASANDH 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 BARB0ASANDH.
Banking services available
The Asandh Karnal branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 22-1800223344.
- Savings, current and salary accounts
- Fixed deposits and recurring deposits
- Personal, vehicle and home loans
- Demat and investment products (where supported)
- Internet banking and mobile banking enrolment
- Debit and credit card issuance
- Locker facilities (subject to availability)
- Foreign exchange services (at authorised branches)
- Bill payments, demand drafts and pay orders
- NEFT / RTGS / IMPS / UPI fund transfers using IFSC BARB0ASANDH
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 BARB0ASANDH and the account number together uniquely identify the Asandh Karnal branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC BARB0ASANDH
Bank of Baroda customers can register for net banking and the bank's official mobile app once their account at the ASANDH KARNAL 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 BARB0ASANDH 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.
Common mistakes to avoid when using IFSC BARB0ASANDH
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 – ASANDH KARNAL, 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:
BARB0ASANDH. - 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.
How to reach the Asandh Karnal branch
The branch is located at WARD NO 12 VISHAVKARMA COLONY NEAR TEHSIL OFFICE ASANDH, KARNAL, HARYANA 132039, which puts it inside Assandh, the broader Karnal district, and the state of Haryana. To plan your visit:
- Open Google Maps on your phone and search for “Bank of Baroda Asandh Karnal branch” — the verified location pin for IFSC BARB0ASANDH should appear at the top of the results.
- Confirm the branch is open by calling 22-1800223344 before stepping out, especially around public holidays.
- Carry photo ID and any account-related documents you may need for the transaction you plan to do.
Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC BARB0ASANDH and your account number.
Verifying IFSC BARB0ASANDH 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 BARB0ASANDH by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 22-1800223344.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Asandh Karnal 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 BARB0ASANDH continue to work without interruption.
Branch address & contact
Bank of BarodaAsandh Karnal Branch
WARD NO 12 VISHAVKARMA COLONY NEAR TEHSIL OFFICE ASANDH, KARNAL, HARYANA 132039
Assandh, Haryana
Phone: 22-1800223344
IFSC: BARB0ASANDH
Frequently asked questions
How quickly will an NEFT transfer using BARB0ASANDH be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Bank of Baroda – Asandh Karnal reflect within 30 minutes.
How do I add Bank of Baroda Asandh Karnal as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC BARB0ASANDH, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the IFSC code of Bank of Baroda Asandh Karnal branch?
The IFSC code of Bank of Baroda, Asandh Karnal branch is BARB0ASANDH. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
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 Asandh Karnal branch but serve different purposes.
Does Bank of Baroda Asandh Karnal branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 22-1800223344 to confirm.
Is IFSC BARB0ASANDH valid for NEFT and RTGS?
Yes. IFSC BARB0ASANDH is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Final notes
To recap: BARB0ASANDH is the IFSC code of Bank of Baroda, ASANDH KARNAL branch, in ASSANDH, HARYANA. 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.
