IFSC Code of Bank of Baroda, Phase Ii Industrial Area Branch, Chandigarh

Below are the complete branch details for Bank of Baroda, PHASE II INDUSTRIAL AREA branch, located in CHANDIGARH, CHANDIGARH. The IFSC assigned by the Reserve Bank of India to this branch is BARB0INDCHD. 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 BARB0INDCHD for Bank of Baroda – PHASE II INDUSTRIAL AREA — 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 – PHASE II INDUSTRIAL AREA is BARB0INDCHD. The first four letters BARB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters INDCHD map to this branch in CHANDIGARH, CHANDIGARH.

Bank profile

Bank of Baroda is among the recognised banks listed on the Reserve Bank of India's payments network. The Phase Ii Industrial Area branch — IFSC BARB0INDCHD — extends the bank's services to customers in and around Chandigarh, Chandigarh.

Branch details at a glance

Phase Ii Industrial Area branch overview

Located at SHOP NO-92,INDUSTRIAL AREA,PHASE-2,CHANDIGARH 160002., the Phase Ii Industrial Area branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC BARB0INDCHD is required for all interbank electronic transfers routed through this branch.

The role of IFSC in India's payments network

India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how Bank of Baroda's PHASE II INDUSTRIAL AREA branch came to be assigned the code BARB0INDCHD.

Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC BARB0INDCHD, money simply cannot be routed to the PHASE II INDUSTRIAL AREA branch electronically.

Account types you can open at the Phase Ii Industrial Area branch

Once you have an account at Bank of Baroda – PHASE II INDUSTRIAL AREA, the IFSC BARB0INDCHD 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 Phase Ii Industrial Area 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 BARB0INDCHD

How to transfer money using IFSC BARB0INDCHD

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 BARB0INDCHD across all three.

NEFT to Bank of Baroda, PHASE II INDUSTRIAL AREA using IFSC BARB0INDCHD

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 BARB0INDCHD, and confirm that the system picks up Bank of Baroda – PHASE II INDUSTRIAL AREA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to PHASE II INDUSTRIAL AREA

If you need to transfer ₹2 lakh or more in one go to an account at Bank of Baroda's PHASE II INDUSTRIAL AREA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BARB0INDCHD while initiating the transfer and the credit will appear within minutes.

IMPS to Bank of Baroda PHASE II INDUSTRIAL AREA (IFSC BARB0INDCHD)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BARB0INDCHD in your mobile or internet banking app, and the money is credited to the PHASE II INDUSTRIAL AREA branch account within seconds.

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

All three modes accept the IFSC BARB0INDCHD for Bank of Baroda – PHASE II INDUSTRIAL AREA, 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 Phase Ii Industrial Area 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 BARB0INDCHD

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 – PHASE II INDUSTRIAL AREA is still mapped to IFSC BARB0INDCHD. 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 BARB0INDCHD and the beneficiary's account number to complete the transfer.

Digital banking channels

Most day-to-day work that customers used to do at the Phase Ii Industrial Area 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 BARB0INDCHD 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 Phase Ii Industrial Area branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC BARB0INDCHD for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Common mistakes to avoid when using IFSC BARB0INDCHD

An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to Bank of Baroda – PHASE II INDUSTRIAL AREA, double-check for these issues:

• Confusing 0 with O. The fifth character of every IFSC is the digit 0, not the letter O. Read carefully.
• Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters: BARB0INDCHD.
• Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
• Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
• Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.

How to reach the Phase Ii Industrial Area branch

The branch is located at SHOP NO-92,INDUSTRIAL AREA,PHASE-2,CHANDIGARH 160002., which puts it inside Chandigarh, the broader Chandigarh district, and the state of Chandigarh. To plan your visit:

1. Open Google Maps on your phone and search for “Bank of Baroda Phase Ii Industrial Area branch” — the verified location pin for IFSC BARB0INDCHD 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 BARB0INDCHD and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC BARB0INDCHD for Bank of Baroda – PHASE II INDUSTRIAL AREA, 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 Phase Ii Industrial Area branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BARB0INDCHD, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code BARB0INDCHD belongs to Bank of Baroda's PHASE II INDUSTRIAL AREA branch, located at SHOP NO-92,INDUSTRIAL AREA,PHASE-2,CHANDIGARH 160002. in CHANDIGARH, CHANDIGARH. 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.