IFSC Code of Bank of Baroda, Car Street Cuddalore Branch, Tamil Nadu

Use this page as a one-stop reference for everything related to Bank of Baroda's CAR STREET CUDDALORE branch in CUDDALORE, TAMIL NADU. The branch's IFSC code BARB0VJCULO 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 – CAR STREET CUDDALORE is BARB0VJCULO. The first four letters BARB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters VJCULO map to this branch in CUDDALORE, TAMIL NADU.

Bank profile

Bank of Baroda is among the recognised banks listed on the Reserve Bank of India's payments network. The Car Street Cuddalore branch — IFSC BARB0VJCULO — extends the bank's services to customers in and around Cuddalore, Tamil Nadu.

Branch details at a glance

About this branch

The branch is located at 74 CAR STRET,CUDDALORE. It serves the Cuddalore 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 BARB0VJCULO is used to identify this branch on the RBI payments network.

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 CAR STREET CUDDALORE of Bank of Baroda — its own 11-character IFSC. The code BARB0VJCULO 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 BARB0VJCULO the same way you would treat your account number — verify it once and save it carefully for future use.

Account types you can open at the Car Street Cuddalore branch

Once you have an account at Bank of Baroda – CAR STREET CUDDALORE, the IFSC BARB0VJCULO 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 Car Street Cuddalore 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 BARB0VJCULO

How to transfer money using IFSC BARB0VJCULO

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 BARB0VJCULO across all three.

NEFT to Bank of Baroda, CAR STREET CUDDALORE using IFSC BARB0VJCULO

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 BARB0VJCULO, and confirm that the system picks up Bank of Baroda – CAR STREET CUDDALORE. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to CAR STREET CUDDALORE

If you need to transfer ₹2 lakh or more in one go to an account at Bank of Baroda's CAR STREET CUDDALORE branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BARB0VJCULO 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 – CAR STREET CUDDALORE, use IMPS. With IFSC BARB0VJCULO 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 BARB0VJCULO for Bank of Baroda – CAR STREET CUDDALORE, 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 Car Street Cuddalore 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 BARB0VJCULO

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 – CAR STREET CUDDALORE is still mapped to IFSC BARB0VJCULO. 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 BARB0VJCULO and the beneficiary's account number to complete the transfer.

Online banking and IFSC BARB0VJCULO

Bank of Baroda customers can register for net banking and the bank's official mobile app once their account at the CAR STREET CUDDALORE 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 BARB0VJCULO 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 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 BARB0VJCULO and the account number together uniquely identify the Car Street Cuddalore branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Common mistakes to avoid when using IFSC BARB0VJCULO

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 – CAR STREET CUDDALORE, 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: BARB0VJCULO.
• 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 Car Street Cuddalore branch

The branch is located at 74 CAR STRET,CUDDALORE, which puts it inside Cuddalore, the broader Chennai district, and the state of Tamil Nadu. To plan your visit:

1. Open Google Maps on your phone and search for “Bank of Baroda Car Street Cuddalore branch” — the verified location pin for IFSC BARB0VJCULO should appear at the top of the results.
2. Confirm the branch is open by calling 22-1800223344 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 BARB0VJCULO and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC BARB0VJCULO for Bank of Baroda – CAR STREET CUDDALORE, 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 Car Street Cuddalore branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BARB0VJCULO, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code BARB0VJCULO belongs to Bank of Baroda's CAR STREET CUDDALORE branch, located at 74 CAR STRET,CUDDALORE in CUDDALORE, TAMIL NADU. 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.