If you are searching for the IFSC code of Bank of Baroda, CHIPLUN, DIST RATNAGIRI branch in CHIPLUN, MAHARASHTRA, this page has every detail you need. The verified IFSC code for this branch is BARB0CHIPLU. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.
You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the CHIPLUN, DIST RATNAGIRI branch, and detailed step-by-step guides for using the IFSC BARB0CHIPLU across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.
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, BARB0CHIPLU is the IFSC of Bank of Baroda's CHIPLUN, DIST RATNAGIRI branch. The format is fixed: BARB = bank code, 0 = reserved, CHIPLU = branch identifier.
About the bank
Bank of Baroda serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Chiplun, Dist Ratnagiri branch in Chiplun, Maharashtra is part of this network and uses the IFSC code BARB0CHIPLU for all electronic settlement.
Branch details at a glance
| Bank Name | Bank of Baroda |
|---|---|
| Branch | Chiplun, Dist Ratnagiri |
| IFSC Code | BARB0CHIPLU |
| MICR Code | Refer to cheque leaf |
| Branch Address | BANK OF BARODA KANADE HEIGHTS BHOGALE NEAR MADHAV SABAGRIHA CHIPLUN 415 605 |
| City | Chiplun |
| District | Ratnagiri |
| State | Maharashtra |
| Phone | 1800223344 |
About this branch
The branch is located at BANK OF BARODA KANADE HEIGHTS BHOGALE NEAR MADHAV SABAGRIHA CHIPLUN 415 605. It serves the Chiplun 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 BARB0CHIPLU 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 CHIPLUN, DIST RATNAGIRI branch came to be assigned the code BARB0CHIPLU.
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 BARB0CHIPLU, money simply cannot be routed to the CHIPLUN, DIST RATNAGIRI branch electronically.
Products and account variants supported
Every account opened at the Chiplun, Dist Ratnagiri branch is mapped to IFSC BARB0CHIPLU 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 BARB0CHIPLU.
Products and services
Customers walking into the Chiplun, Dist Ratnagiri 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 BARB0CHIPLU
How to transfer money using IFSC BARB0CHIPLU
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 BARB0CHIPLU across all three.
How to use IFSC BARB0CHIPLU for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Bank of Baroda's CHIPLUN, DIST RATNAGIRI 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC BARB0CHIPLU.
- Confirm the bank name auto-populates as Bank of Baroda and the branch as CHIPLUN, DIST RATNAGIRI.
- 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 CHIPLUN, DIST RATNAGIRI
If you need to transfer ₹2 lakh or more in one go to an account at Bank of Baroda's CHIPLUN, DIST RATNAGIRI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BARB0CHIPLU 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 – CHIPLUN, DIST RATNAGIRI, use IMPS. With IFSC BARB0CHIPLU and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC BARB0CHIPLU for Bank of Baroda – CHIPLUN, DIST RATNAGIRI, 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – BARB0CHIPLU | Yes – BARB0CHIPLU | Yes – BARB0CHIPLU |
For most retail customers crediting the Chiplun, Dist Ratnagiri 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 BARB0CHIPLU
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 – CHIPLUN, DIST RATNAGIRI is still mapped to IFSC BARB0CHIPLU. 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 BARB0CHIPLU and the beneficiary's account number to complete the transfer.
Online banking and IFSC BARB0CHIPLU
Bank of Baroda customers can register for net banking and the bank's official mobile app once their account at the CHIPLUN, DIST RATNAGIRI branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC BARB0CHIPLU is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.
MICR & cheque-truncation details
Cheques drawn on the Chiplun, Dist Ratnagiri branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC BARB0CHIPLU 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 BARB0CHIPLU
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 – CHIPLUN, DIST RATNAGIRI, 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:
BARB0CHIPLU. - 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.
Reaching the branch
The Chiplun, Dist Ratnagiri branch sits at BANK OF BARODA KANADE HEIGHTS BHOGALE NEAR MADHAV SABAGRIHA CHIPLUN 415 605. If you are travelling from outside Chiplun, 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 BARB0CHIPLU and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC BARB0CHIPLU for Bank of Baroda – CHIPLUN, DIST RATNAGIRI, 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 Chiplun, Dist Ratnagiri branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BARB0CHIPLU, however, work 24x7.
Branch address & contact
Bank of BarodaChiplun, Dist Ratnagiri Branch
BANK OF BARODA KANADE HEIGHTS BHOGALE NEAR MADHAV SABAGRIHA CHIPLUN 415 605
Chiplun, Maharashtra
Phone: 1800223344
IFSC: BARB0CHIPLU
Frequently asked questions
Does Bank of Baroda Chiplun, Dist Ratnagiri branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 1800223344 to confirm.
Is IFSC BARB0CHIPLU valid for NEFT and RTGS?
Yes. IFSC BARB0CHIPLU is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Can I use IFSC BARB0CHIPLU for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC BARB0CHIPLU to send funds instantly.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Chiplun, Dist Ratnagiri branch but serve different purposes.
How do I add Bank of Baroda Chiplun, Dist Ratnagiri as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC BARB0CHIPLU, and complete OTP verification. Once activated, you can transfer funds at any time.
Where is Bank of Baroda Chiplun, Dist Ratnagiri branch located?
Bank of Baroda's Chiplun, Dist Ratnagiri branch is located at BANK OF BARODA KANADE HEIGHTS BHOGALE NEAR MADHAV SABAGRIHA CHIPLUN 415 605, Chiplun, Maharashtra.
Final notes
To recap: BARB0CHIPLU is the IFSC code of Bank of Baroda, CHIPLUN, DIST RATNAGIRI branch, in CHIPLUN, MAHARASHTRA. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.
