IFSC Code of Bank of Baroda, Khajutti Branch, West Bengal

Below are the complete branch details for Bank of Baroda, KHAJUTTI branch, located in BAGNAN, WEST BENGAL. The IFSC assigned by the Reserve Bank of India to this branch is BARB0KHAJUT. 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 BARB0KHAJUT for Bank of Baroda – KHAJUTTI — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for Bank of Baroda – KHAJUTTI is BARB0KHAJUT. The first four letters BARB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters KHAJUT map to this branch in BAGNAN, WEST BENGAL.

Bank profile

Bank of Baroda is among the recognised banks listed on the Reserve Bank of India's payments network. The Khajutti branch — IFSC BARB0KHAJUT — extends the bank's services to customers in and around Bagnan, West Bengal.

Branch details at a glance

About the Khajutti branch

The Khajutti branch of Bank of Baroda is situated at VILL & PO KHAJUTTI,BLOCK BAGNANI,DIST HOWRAH,KHAJUTTI,WEST BENGAL 711303. 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 BARB0KHAJUT 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 KHAJUTTI of Bank of Baroda — its own 11-character IFSC. The code BARB0KHAJUT 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 BARB0KHAJUT 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 Khajutti branch is mapped to IFSC BARB0KHAJUT 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 BARB0KHAJUT.

Banking services available

The Khajutti branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 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 BARB0KHAJUT

How to transfer money using IFSC BARB0KHAJUT

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 BARB0KHAJUT across all three.

NEFT to Bank of Baroda, KHAJUTTI using IFSC BARB0KHAJUT

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 BARB0KHAJUT, and confirm that the system picks up Bank of Baroda – KHAJUTTI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to KHAJUTTI

If you need to transfer ₹2 lakh or more in one go to an account at Bank of Baroda's KHAJUTTI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BARB0KHAJUT while initiating the transfer and the credit will appear within minutes.

IMPS to Bank of Baroda KHAJUTTI (IFSC BARB0KHAJUT)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BARB0KHAJUT in your mobile or internet banking app, and the money is credited to the KHAJUTTI branch account within seconds.

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

All three modes accept the IFSC BARB0KHAJUT for Bank of Baroda – KHAJUTTI, 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 Khajutti 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.

UPI payments and IFSC BARB0KHAJUT

UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at Bank of Baroda – KHAJUTTI is still mapped to IFSC BARB0KHAJUT. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.

If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC BARB0KHAJUT and the beneficiary's account number to complete the transfer.

Online banking and IFSC BARB0KHAJUT

Bank of Baroda customers can register for net banking and the bank's official mobile app once their account at the KHAJUTTI 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 BARB0KHAJUT 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 BARB0KHAJUT and the account number together uniquely identify the Khajutti 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 – KHAJUTTI:

• The IFSC is exactly BARB0KHAJUT 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 KHAJUTTI 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.

How to reach the Khajutti branch

The branch is located at VILL & PO KHAJUTTI,BLOCK BAGNANI,DIST HOWRAH,KHAJUTTI,WEST BENGAL 711303, which puts it inside Bagnan, the broader Haora district, and the state of West Bengal. To plan your visit:

1. Open Google Maps on your phone and search for “Bank of Baroda Khajutti branch” — the verified location pin for IFSC BARB0KHAJUT should appear at the top of the results.
2. Confirm the branch is open by calling 1800223344 before stepping out, especially around public holidays.
3. 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 BARB0KHAJUT and your account number.

Verifying IFSC BARB0KHAJUT 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 BARB0KHAJUT 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.

Working hours

Branch counters at Khajutti 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 BARB0KHAJUT continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: BARB0KHAJUT is the IFSC code of Bank of Baroda, KHAJUTTI branch, in BAGNAN, WEST BENGAL. 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.