IFSC Code of Bank of Baroda, Bijoynagar Branch, Assam

Below are the complete branch details for Bank of Baroda, BIJOYNAGAR branch, located in BIJOYNAGAR, ASSAM. The IFSC assigned by the Reserve Bank of India to this branch is BARB0BIJOYA. 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 BARB0BIJOYA for Bank of Baroda – BIJOYNAGAR — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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, BARB0BIJOYA is the IFSC of Bank of Baroda's BIJOYNAGAR branch. The format is fixed: BARB = bank code, 0 = reserved, BIJOYA = branch identifier.

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 Bijoynagar branch in Bijoynagar, Assam is part of this network and uses the IFSC code BARB0BIJOYA for all electronic settlement.

Bijoynagar branch overview

Located at NH 37, UPARHALI, P O BIJOYNAGAR, PALASBARI, KAMRUP RURAL, ASSAM, 781122, the Bijoynagar branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC BARB0BIJOYA 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 BIJOYNAGAR of Bank of Baroda — its own 11-character IFSC. The code BARB0BIJOYA 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 BARB0BIJOYA 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 BARB0BIJOYA

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 BARB0BIJOYA across all three.

NEFT to Bank of Baroda, BIJOYNAGAR using IFSC BARB0BIJOYA

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 BARB0BIJOYA, and confirm that the system picks up Bank of Baroda – BIJOYNAGAR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to BIJOYNAGAR

If you need to transfer ₹2 lakh or more in one go to an account at Bank of Baroda's BIJOYNAGAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BARB0BIJOYA while initiating the transfer and the credit will appear within minutes.

IMPS to Bank of Baroda BIJOYNAGAR (IFSC BARB0BIJOYA)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BARB0BIJOYA in your mobile or internet banking app, and the money is credited to the BIJOYNAGAR branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Bijoynagar

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 BARB0BIJOYA:

• 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 BIJOYNAGAR is still linked to IFSC BARB0BIJOYA.

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 BARB0BIJOYA

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 – BIJOYNAGAR is still mapped to IFSC BARB0BIJOYA. 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 BARB0BIJOYA and the beneficiary's account number to complete the transfer.

Account types you can open at the Bijoynagar branch

Once you have an account at Bank of Baroda – BIJOYNAGAR, the IFSC BARB0BIJOYA 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 Bijoynagar 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 BARB0BIJOYA

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 BARB0BIJOYA and the account number together uniquely identify the Bijoynagar 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 Bijoynagar 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 BARB0BIJOYA 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 – BIJOYNAGAR:

• The IFSC is exactly BARB0BIJOYA 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 BIJOYNAGAR 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 Bijoynagar branch sits at NH 37, UPARHALI, P O BIJOYNAGAR, PALASBARI, KAMRUP RURAL, ASSAM, 781122. If you are travelling from outside Bijoynagar, 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 BARB0BIJOYA and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC BARB0BIJOYA for Bank of Baroda – BIJOYNAGAR, 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 Bijoynagar branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BARB0BIJOYA, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code BARB0BIJOYA belongs to Bank of Baroda's BIJOYNAGAR branch, located at NH 37, UPARHALI, P O BIJOYNAGAR, PALASBARI, KAMRUP RURAL, ASSAM, 781122 in BIJOYNAGAR, ASSAM. 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.