IFSC Code of Bank of Baroda, Kapasya Chowk Begusarai Branch, Bihar

This page lists the IFSC code, branch address, contact number and fund-transfer information for Bank of Baroda, KAPASYA CHOWK BEGUSARAI branch in BEGUSARAI. The 11-digit IFSC BARB0KAPASY 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 KAPASYA CHOWK BEGUSARAI 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.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For Bank of Baroda's KAPASYA CHOWK BEGUSARAI branch, the IFSC BARB0KAPASY breaks down as follows: BARB identifies the bank, 0 is the reserved character, and KAPASY identifies this particular branch.

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 Kapasya Chowk Begusarai branch in Begusarai, Bihar is part of this network and uses the IFSC code BARB0KAPASY for all electronic settlement.

About this branch

The branch is located at NEAR DC SINGH, PETROL PUMP, 1ST FLOOR, NH - 31, SUBHASH CHOWK, BEGUSARAI, BIHAR, PIN - 847239. It serves the Begusarai 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 BARB0KAPASY 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 KAPASYA CHOWK BEGUSARAI of Bank of Baroda — its own 11-character IFSC. The code BARB0KAPASY 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 BARB0KAPASY 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 BARB0KAPASY

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 BARB0KAPASY across all three.

NEFT to Bank of Baroda, KAPASYA CHOWK BEGUSARAI using IFSC BARB0KAPASY

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 BARB0KAPASY, and confirm that the system picks up Bank of Baroda – KAPASYA CHOWK BEGUSARAI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to KAPASYA CHOWK BEGUSARAI

If you need to transfer ₹2 lakh or more in one go to an account at Bank of Baroda's KAPASYA CHOWK BEGUSARAI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BARB0KAPASY 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 – KAPASYA CHOWK BEGUSARAI, use IMPS. With IFSC BARB0KAPASY 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 Kapasya Chowk Begusarai

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 BARB0KAPASY:

• 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 KAPASYA CHOWK BEGUSARAI is still linked to IFSC BARB0KAPASY.

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 BARB0KAPASY

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 – KAPASYA CHOWK BEGUSARAI is still mapped to IFSC BARB0KAPASY. 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 BARB0KAPASY and the beneficiary's account number to complete the transfer.

Account types you can open at the Kapasya Chowk Begusarai branch

Once you have an account at Bank of Baroda – KAPASYA CHOWK BEGUSARAI, the IFSC BARB0KAPASY 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 Kapasya Chowk Begusarai 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 BARB0KAPASY

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 BARB0KAPASY and the account number together uniquely identify the Kapasya Chowk Begusarai branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Digital banking channels

Most day-to-day work that customers used to do at the Kapasya Chowk Begusarai 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 BARB0KAPASY 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 – KAPASYA CHOWK BEGUSARAI:

• The IFSC is exactly BARB0KAPASY 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 KAPASYA CHOWK BEGUSARAI 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 Kapasya Chowk Begusarai branch sits at NEAR DC SINGH, PETROL PUMP, 1ST FLOOR, NH - 31, SUBHASH CHOWK, BEGUSARAI, BIHAR, PIN - 847239. If you are travelling from outside Begusarai, search for the branch on a maps application using the bank name and locality, or call 22-1800223344 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 BARB0KAPASY and your account number.

Verifying IFSC BARB0KAPASY 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 BARB0KAPASY 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 Kapasya Chowk Begusarai 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 BARB0KAPASY continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code BARB0KAPASY belongs to Bank of Baroda's KAPASYA CHOWK BEGUSARAI branch, located at NEAR DC SINGH, PETROL PUMP, 1ST FLOOR, NH - 31, SUBHASH CHOWK, BEGUSARAI,… in BEGUSARAI, BIHAR. 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.