Use this page as a one-stop reference for everything related to Bank of Baroda's PANAGARH BRANCH, DIST.BARDDHAMAN, WEST BENGAL branch in BARDDHAMAN, WEST BENGAL. The branch's IFSC code BARB0PANAGA 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, BARB0PANAGA is the IFSC of Bank of Baroda's PANAGARH BRANCH, DIST.BARDDHAMAN, WEST BENGAL branch. The format is fixed: BARB = bank code, 0 = reserved, PANAGA = branch identifier.
Bank profile
Bank of Baroda is among the recognised banks listed on the Reserve Bank of India's payments network. The Panagarh Branch, Dist.Barddhaman, West Bengal branch — IFSC BARB0PANAGA — extends the bank's services to customers in and around Barddhaman, West Bengal.
Branch details at a glance
| Bank Name | Bank of Baroda |
|---|---|
| Branch | Panagarh Branch, Dist.Barddhaman, West Bengal |
| IFSC Code | BARB0PANAGA |
| MICR Code | Refer to cheque leaf |
| Branch Address | PANAGARH BAZAR(RAIL PAR), OPP AGRAGAMI CLUB, PANAGARH , BARDDHAMAN , WEST BENGAL-713148 |
| City | Barddhaman |
| District | Barddhaman |
| State | West Bengal |
| Phone | 1800223344 |
About the Panagarh Branch, Dist.Barddhaman, West Bengal branch
The Panagarh Branch, Dist.Barddhaman, West Bengal branch of Bank of Baroda is situated at PANAGARH BAZAR(RAIL PAR), OPP AGRAGAMI CLUB, PANAGARH , BARDDHAMAN , WEST BENGAL-713148. 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 BARB0PANAGA 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 PANAGARH BRANCH, DIST.BARDDHAMAN, WEST BENGAL of Bank of Baroda — its own 11-character IFSC. The code BARB0PANAGA 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 BARB0PANAGA 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 Panagarh Branch, Dist.Barddhaman, West Bengal branch is mapped to IFSC BARB0PANAGA 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 BARB0PANAGA.
Products and services
Customers walking into the Panagarh Branch, Dist.Barddhaman, West Bengal 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 BARB0PANAGA
How to transfer money using IFSC BARB0PANAGA
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 BARB0PANAGA across all three.
NEFT to Bank of Baroda, PANAGARH BRANCH, DIST.BARDDHAMAN, WEST BENGAL using IFSC BARB0PANAGA
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 BARB0PANAGA, and confirm that the system picks up Bank of Baroda – PANAGARH BRANCH, DIST.BARDDHAMAN, WEST BENGAL. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC BARB0PANAGA
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 – PANAGARH BRANCH, DIST.BARDDHAMAN, WEST BENGAL, ensure your bank's portal accepts IFSC BARB0PANAGA while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Bank of Baroda – PANAGARH BRANCH, DIST.BARDDHAMAN, WEST BENGAL, use IMPS. With IFSC BARB0PANAGA and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
Comparing NEFT, RTGS and IMPS for transfers to Panagarh Branch, Dist.Barddhaman, West Bengal
The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC BARB0PANAGA:
- NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
- RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
- IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
- UPI — best for small peer-to-peer payments using a VPA; the underlying account at PANAGARH BRANCH, DIST.BARDDHAMAN, WEST BENGAL is still linked to IFSC BARB0PANAGA.
For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.
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 PANAGARH BRANCH, DIST.BARDDHAMAN, WEST BENGAL branch, the IFSC BARB0PANAGA 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 Panagarh Branch, Dist.Barddhaman, West Bengal 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 BARB0PANAGA 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 & cheque-truncation details
Cheques drawn on the Panagarh Branch, Dist.Barddhaman, West Bengal branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC BARB0PANAGA for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
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 – PANAGARH BRANCH, DIST.BARDDHAMAN, WEST BENGAL:
- The IFSC is exactly BARB0PANAGA 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 PANAGARH BRANCH, DIST.BARDDHAMAN, WEST BENGAL 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 Panagarh Branch, Dist.Barddhaman, West Bengal branch
The branch is located at PANAGARH BAZAR(RAIL PAR), OPP AGRAGAMI CLUB, PANAGARH , BARDDHAMAN , WEST BENGAL-713148, which puts it inside Barddhaman, the broader Barddhaman district, and the state of West Bengal. To plan your visit:
- Open Google Maps on your phone and search for “Bank of Baroda Panagarh Branch, Dist.Barddhaman, West Bengal branch” — the verified location pin for IFSC BARB0PANAGA should appear at the top of the results.
- Confirm the branch is open by calling 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 BARB0PANAGA and your account number.
Verifying IFSC BARB0PANAGA 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 BARB0PANAGA 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 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 Panagarh Branch, Dist.Barddhaman, West Bengal branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BARB0PANAGA, however, work 24x7.
Branch address & contact
Bank of BarodaPanagarh Branch, Dist.Barddhaman, West Bengal Branch
PANAGARH BAZAR(RAIL PAR), OPP AGRAGAMI CLUB, PANAGARH , BARDDHAMAN , WEST BENGAL-713148
Barddhaman, West Bengal
Phone: 1800223344
IFSC: BARB0PANAGA
Frequently asked questions
What is the phone number of Bank of Baroda Panagarh Branch, Dist.Barddhaman, West Bengal branch?
You can reach the branch at 1800223344 during regular banking hours.
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 Panagarh Branch, Dist.Barddhaman, West Bengal branch but serve different purposes.
Can I use IFSC BARB0PANAGA for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC BARB0PANAGA to send funds instantly.
How quickly will an NEFT transfer using BARB0PANAGA be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Bank of Baroda – Panagarh Branch, Dist.Barddhaman, West Bengal reflect within 30 minutes.
How do I add Bank of Baroda Panagarh Branch, Dist.Barddhaman, West Bengal as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC BARB0PANAGA, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC BARB0PANAGA valid for NEFT and RTGS?
Yes. IFSC BARB0PANAGA is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Is IFSC BARB0PANAGA the same for all accounts at Panagarh Branch, Dist.Barddhaman, West Bengal branch?
Yes. The IFSC BARB0PANAGA is shared by every account held at Bank of Baroda's Panagarh Branch, Dist.Barddhaman, West Bengal branch. Only the account number changes from customer to customer.
Summary
The IFSC code BARB0PANAGA belongs to Bank of Baroda's PANAGARH BRANCH, DIST.BARDDHAMAN, WEST BENGAL branch, located at PANAGARH BAZAR(RAIL PAR), OPP AGRAGAMI CLUB, PANAGARH , BARDDHAMAN , WEST… in BARDDHAMAN, WEST BENGAL. 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.
