IFSC Code of Bank of Baroda, Chikmagalur, Karnataka Branch, Karnataka

Use this page as a one-stop reference for everything related to Bank of Baroda's CHIKMAGALUR, KARNATAKA branch in CHIKMAGALUR, KARNATAKA. The branch's IFSC code BARB0CHICKM 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.

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 – CHIKMAGALUR, KARNATAKA is BARB0CHICKM. The first four letters BARB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters CHICKM map to this branch in CHIKMAGALUR, KARNATAKA.

About Bank of Baroda

Bank of Baroda operates a wide network of branches across India, including the Chikmagalur, Karnataka branch in Chikmagalur. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, BARB0CHICKM.

Branch details at a glance

About this branch

The branch is located at P.B. NO.51, NOIDA STREET, CHICKMAGALUR 577 101, KARNATAKA. It serves the Chikmagalur 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 BARB0CHICKM is used to identify this branch on the RBI payments network.

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 CHIKMAGALUR, KARNATAKA branch came to be assigned the code BARB0CHICKM.

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 BARB0CHICKM, money simply cannot be routed to the CHIKMAGALUR, KARNATAKA branch electronically.

Account types you can open at the Chikmagalur, Karnataka branch

Once you have an account at Bank of Baroda – CHIKMAGALUR, KARNATAKA, the IFSC BARB0CHICKM 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.

Banking services available

The Chikmagalur, Karnataka branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 1800223344.

• Savings, current and salary accounts
• Fixed deposits and recurring deposits
• Personal, vehicle and home loans
• Demat and investment products (where supported)
• Internet banking and mobile banking enrolment
• Debit and credit card issuance
• Locker facilities (subject to availability)
• Foreign exchange services (at authorised branches)
• Bill payments, demand drafts and pay orders
• NEFT / RTGS / IMPS / UPI fund transfers using IFSC BARB0CHICKM

How to transfer money using IFSC BARB0CHICKM

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 BARB0CHICKM across all three.

NEFT to Bank of Baroda, CHIKMAGALUR, KARNATAKA using IFSC BARB0CHICKM

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 BARB0CHICKM, and confirm that the system picks up Bank of Baroda – CHIKMAGALUR, KARNATAKA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to CHIKMAGALUR, KARNATAKA

If you need to transfer ₹2 lakh or more in one go to an account at Bank of Baroda's CHIKMAGALUR, KARNATAKA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BARB0CHICKM while initiating the transfer and the credit will appear within minutes.

IMPS to Bank of Baroda CHIKMAGALUR, KARNATAKA (IFSC BARB0CHICKM)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BARB0CHICKM in your mobile or internet banking app, and the money is credited to the CHIKMAGALUR, KARNATAKA branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Chikmagalur, Karnataka

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 BARB0CHICKM:

• 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 CHIKMAGALUR, KARNATAKA is still linked to IFSC BARB0CHICKM.

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 CHIKMAGALUR, KARNATAKA branch, the IFSC BARB0CHICKM 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 Chikmagalur, Karnataka 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 BARB0CHICKM 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 Chikmagalur, Karnataka branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC BARB0CHICKM 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 BARB0CHICKM

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 – CHIKMAGALUR, KARNATAKA, 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: BARB0CHICKM.
• 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 Chikmagalur, Karnataka branch

The branch is located at P.B. NO.51, NOIDA STREET, CHICKMAGALUR 577 101, KARNATAKA, which puts it inside Chikmagalur, the broader Chickmagalur district, and the state of Karnataka. To plan your visit:

1. Open Google Maps on your phone and search for “Bank of Baroda Chikmagalur, Karnataka branch” — the verified location pin for IFSC BARB0CHICKM 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 BARB0CHICKM and your account number.

Verifying IFSC BARB0CHICKM 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 BARB0CHICKM 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 Chikmagalur, Karnataka branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BARB0CHICKM, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code BARB0CHICKM belongs to Bank of Baroda's CHIKMAGALUR, KARNATAKA branch, located at P.B. NO.51, NOIDA STREET, CHICKMAGALUR 577 101, KARNATAKA in CHIKMAGALUR, KARNATAKA. 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.