IFSC Code of Bank of Baroda, Sayajiganj Branch Branch, Gujarat

This page lists the IFSC code, branch address, contact number and fund-transfer information for Bank of Baroda, SAYAJIGANJ BRANCH branch in BARODA. The 11-digit IFSC BARB0SAYAJI 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 SAYAJIGANJ BRANCH 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.

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 – SAYAJIGANJ BRANCH is BARB0SAYAJI. The first four letters BARB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters SAYAJI map to this branch in BARODA, GUJARAT.

Branch details at a glance

About the bank

Bank of Baroda serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Sayajiganj Branch branch in Baroda, Gujarat is part of this network and uses the IFSC code BARB0SAYAJI for all electronic settlement.

Sayajiganj Branch branch overview

Located at SAYAJIGANJ BRANCH,YASH KAMAL BLDG. LOKMANYA TILAK RD. SAYAJIGANJ BARODA,BARODA,390005, the Sayajiganj Branch branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC BARB0SAYAJI is required for all interbank electronic transfers routed through this branch.

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 SAYAJIGANJ BRANCH of Bank of Baroda — its own 11-character IFSC. The code BARB0SAYAJI 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 BARB0SAYAJI 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 BARB0SAYAJI

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 BARB0SAYAJI across all three.

How to use IFSC BARB0SAYAJI for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Bank of Baroda's SAYAJIGANJ BRANCH 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 BARB0SAYAJI.
4. Confirm the bank name auto-populates as Bank of Baroda and the branch as SAYAJIGANJ BRANCH.
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 SAYAJIGANJ BRANCH

If you need to transfer ₹2 lakh or more in one go to an account at Bank of Baroda's SAYAJIGANJ BRANCH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BARB0SAYAJI while initiating the transfer and the credit will appear within minutes.

IMPS to Bank of Baroda SAYAJIGANJ BRANCH (IFSC BARB0SAYAJI)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BARB0SAYAJI in your mobile or internet banking app, and the money is credited to the SAYAJIGANJ BRANCH branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Sayajiganj Branch

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 BARB0SAYAJI:

• 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 SAYAJIGANJ BRANCH is still linked to IFSC BARB0SAYAJI.

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.

UPI payments and IFSC BARB0SAYAJI

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 – SAYAJIGANJ BRANCH is still mapped to IFSC BARB0SAYAJI. 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 BARB0SAYAJI and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Sayajiganj Branch branch is mapped to IFSC BARB0SAYAJI 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 BARB0SAYAJI.

Products and services

Customers walking into the Sayajiganj Branch 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 BARB0SAYAJI

MICR & cheque-truncation details

Cheques drawn on the Sayajiganj Branch branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC BARB0SAYAJI for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Digital banking channels

Most day-to-day work that customers used to do at the Sayajiganj Branch 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 BARB0SAYAJI 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.

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 – SAYAJIGANJ BRANCH:

• The IFSC is exactly BARB0SAYAJI 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 SAYAJIGANJ BRANCH 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 Sayajiganj Branch branch sits at SAYAJIGANJ BRANCH,YASH KAMAL BLDG. LOKMANYA TILAK RD. SAYAJIGANJ BARODA,BARODA,390005. If you are travelling from outside Baroda, 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 BARB0SAYAJI and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC BARB0SAYAJI for Bank of Baroda – SAYAJIGANJ BRANCH, 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 Sayajiganj Branch branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BARB0SAYAJI, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code BARB0SAYAJI belongs to Bank of Baroda's SAYAJIGANJ BRANCH branch, located at SAYAJIGANJ BRANCH,YASH KAMAL BLDG. LOKMANYA TILAK RD. SAYAJIGANJ… in BARODA, GUJARAT. 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.