IFSC Code of Bank of Baroda, Civil Lines,Pakhowal Road, Ludhiana Branch, Punjab

This page lists the IFSC code, branch address, contact number and fund-transfer information for Bank of Baroda, CIVIL LINES,PAKHOWAL ROAD, LUDHIANA branch in CIVIL LINES. The 11-digit IFSC BARB0TRDLUD 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 CIVIL LINES,PAKHOWAL ROAD, LUDHIANA 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.

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, BARB0TRDLUD is the IFSC of Bank of Baroda's CIVIL LINES,PAKHOWAL ROAD, LUDHIANA branch. The format is fixed: BARB = bank code, 0 = reserved, TRDLUD = branch identifier.

About Bank of Baroda

Bank of Baroda operates a wide network of branches across India, including the Civil Lines,Pakhowal Road, Ludhiana branch in Civil Lines. 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, BARB0TRDLUD.

About this branch

The branch is located at CIVIL LINES BRANCH, PAKHOWAL ROAD, LUDHIANA 141 002. It serves the Civil Lines 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 BARB0TRDLUD is used to identify this branch on the RBI payments network.

Branch details at a glance

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 CIVIL LINES,PAKHOWAL ROAD, LUDHIANA branch came to be assigned the code BARB0TRDLUD.

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 BARB0TRDLUD, money simply cannot be routed to the CIVIL LINES,PAKHOWAL ROAD, LUDHIANA branch electronically.

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 BARB0TRDLUD and the account number together uniquely identify the Civil Lines,Pakhowal Road, Ludhiana branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC BARB0TRDLUD

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 BARB0TRDLUD across all three.

How to use IFSC BARB0TRDLUD for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Bank of Baroda's CIVIL LINES,PAKHOWAL ROAD, LUDHIANA 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).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC BARB0TRDLUD.
4. Confirm the bank name auto-populates as Bank of Baroda and the branch as CIVIL LINES,PAKHOWAL ROAD, LUDHIANA.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC BARB0TRDLUD

RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to Bank of Baroda – CIVIL LINES,PAKHOWAL ROAD, LUDHIANA, ensure your bank's portal accepts IFSC BARB0TRDLUD while registering the beneficiary. RTGS is also available 24x7.

IMPS to Bank of Baroda CIVIL LINES,PAKHOWAL ROAD, LUDHIANA (IFSC BARB0TRDLUD)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BARB0TRDLUD in your mobile or internet banking app, and the money is credited to the CIVIL LINES,PAKHOWAL ROAD, LUDHIANA branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Civil Lines,Pakhowal Road, Ludhiana

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 BARB0TRDLUD:

• 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 CIVIL LINES,PAKHOWAL ROAD, LUDHIANA is still linked to IFSC BARB0TRDLUD.

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 CIVIL LINES,PAKHOWAL ROAD, LUDHIANA branch, the IFSC BARB0TRDLUD 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.

Products and account variants supported

Every account opened at the Civil Lines,Pakhowal Road, Ludhiana branch is mapped to IFSC BARB0TRDLUD 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 BARB0TRDLUD.

Products and services

Customers walking into the Civil Lines,Pakhowal Road, Ludhiana 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 BARB0TRDLUD

Digital banking channels

Most day-to-day work that customers used to do at the Civil Lines,Pakhowal Road, Ludhiana 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 BARB0TRDLUD 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.

How to reach the Civil Lines,Pakhowal Road, Ludhiana branch

The branch is located at CIVIL LINES BRANCH, PAKHOWAL ROAD, LUDHIANA 141 002, which puts it inside Civil Lines, the broader Civil Lines district, and the state of Punjab. To plan your visit:

1. Open Google Maps on your phone and search for “Bank of Baroda Civil Lines,Pakhowal Road, Ludhiana branch” — the verified location pin for IFSC BARB0TRDLUD 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 BARB0TRDLUD and your account number.

Common mistakes to avoid when using IFSC BARB0TRDLUD

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 – CIVIL LINES,PAKHOWAL ROAD, LUDHIANA, 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: BARB0TRDLUD.
• 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.

Working hours

Branch counters at Civil Lines,Pakhowal Road, Ludhiana 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 BARB0TRDLUD continue to work without interruption.

Verifying IFSC BARB0TRDLUD 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 BARB0TRDLUD 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 address & contact

Frequently asked questions

Final notes

To recap: BARB0TRDLUD is the IFSC code of Bank of Baroda, CIVIL LINES,PAKHOWAL ROAD, LUDHIANA branch, in CIVIL LINES, PUNJAB. 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.