IFSC Code of Bank of Baroda, Fazilka,Punjab Branch, Punjab

Below are the complete branch details for Bank of Baroda, FAZILKA,PUNJAB branch, located in FAZILKA, PUNJAB. The IFSC assigned by the Reserve Bank of India to this branch is BARB0FAZILK. 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 BARB0FAZILK for Bank of Baroda – FAZILKA,PUNJAB — 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 – FAZILKA,PUNJAB is BARB0FAZILK. The first four letters BARB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters FAZILK map to this branch in FAZILKA, PUNJAB.

Bank profile

Bank of Baroda is among the recognised banks listed on the Reserve Bank of India's payments network. The Fazilka,Punjab branch — IFSC BARB0FAZILK — extends the bank's services to customers in and around Fazilka, Punjab.

Branch details at a glance

About the Fazilka,Punjab branch

The Fazilka,Punjab branch of Bank of Baroda is situated at 673/674 RAVUNDRA MARG NEAR CLOCK TOWER GAUSHALA ROAD DIST FAZILKA PUNJAB-152123. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code BARB0FAZILK is used.

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 FAZILKA,PUNJAB branch came to be assigned the code BARB0FAZILK.

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 BARB0FAZILK, money simply cannot be routed to the FAZILKA,PUNJAB branch electronically.

Account types you can open at the Fazilka,Punjab branch

Once you have an account at Bank of Baroda – FAZILKA,PUNJAB, the IFSC BARB0FAZILK 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 Fazilka,Punjab 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 BARB0FAZILK

How to transfer money using IFSC BARB0FAZILK

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 BARB0FAZILK across all three.

How to use IFSC BARB0FAZILK for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Bank of Baroda's FAZILKA,PUNJAB 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 BARB0FAZILK.
4. Confirm the bank name auto-populates as Bank of Baroda and the branch as FAZILKA,PUNJAB.
5. 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 FAZILKA,PUNJAB

If you need to transfer ₹2 lakh or more in one go to an account at Bank of Baroda's FAZILKA,PUNJAB branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BARB0FAZILK while initiating the transfer and the credit will appear within minutes.

IMPS to Bank of Baroda FAZILKA,PUNJAB (IFSC BARB0FAZILK)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BARB0FAZILK in your mobile or internet banking app, and the money is credited to the FAZILKA,PUNJAB branch account within seconds.

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

All three modes accept the IFSC BARB0FAZILK for Bank of Baroda – FAZILKA,PUNJAB, 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 Fazilka,Punjab 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 BARB0FAZILK

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 – FAZILKA,PUNJAB is still mapped to IFSC BARB0FAZILK. 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 BARB0FAZILK 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 Fazilka,Punjab 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 BARB0FAZILK 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 Fazilka,Punjab branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC BARB0FAZILK for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Things to verify before sending money

Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to Bank of Baroda – FAZILKA,PUNJAB:

• The IFSC is exactly BARB0FAZILK with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills Bank of Baroda as the bank name and FAZILKA,PUNJAB as the branch.
• The amount and the purpose of payment are correct.
• You have a valid OTP-verifying mobile number on hand.

A 30-second review here saves hours of reconciliation later.

Reaching the branch

The Fazilka,Punjab branch sits at 673/674 RAVUNDRA MARG NEAR CLOCK TOWER GAUSHALA ROAD DIST FAZILKA PUNJAB-152123. If you are travelling from outside Fazilka, 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 BARB0FAZILK and your account number.

Verifying IFSC BARB0FAZILK 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 BARB0FAZILK 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.

Working hours

Branch counters at Fazilka,Punjab 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 BARB0FAZILK continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code BARB0FAZILK belongs to Bank of Baroda's FAZILKA,PUNJAB branch, located at 673/674 RAVUNDRA MARG NEAR CLOCK TOWER GAUSHALA ROAD DIST FAZILKA PUNJAB-152123 in FAZILKA, PUNJAB. 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.