IFSC Code of Bank of Baroda, Garhinegi, Uttarakhand Branch, Uttarakhand

Below are the complete branch details for Bank of Baroda, GARHINEGI, UTTARAKHAND branch, located in GARHI NEGI, UTTARAKHAND. The IFSC assigned by the Reserve Bank of India to this branch is BARB0GARNAI. 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 BARB0GARNAI for Bank of Baroda – GARHINEGI, UTTARAKHAND — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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, BARB0GARNAI is the IFSC of Bank of Baroda's GARHINEGI, UTTARAKHAND branch. The format is fixed: BARB = bank code, 0 = reserved, GARNAI = branch identifier.

About Bank of Baroda

Bank of Baroda operates a wide network of branches across India, including the Garhinegi, Uttarakhand branch in Garhi Negi. 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, BARB0GARNAI.

Branch details at a glance

About this branch

The branch is located at GARHINEGI, KASHIPUR, DIST.UDHAM SINGH NAGAR, UTTARAKHAND - 244 713.. It serves the Garhi Negi 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 BARB0GARNAI 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 GARHINEGI, UTTARAKHAND branch came to be assigned the code BARB0GARNAI.

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 BARB0GARNAI, money simply cannot be routed to the GARHINEGI, UTTARAKHAND branch electronically.

Account types you can open at the Garhinegi, Uttarakhand branch

Once you have an account at Bank of Baroda – GARHINEGI, UTTARAKHAND, the IFSC BARB0GARNAI 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 Garhinegi, Uttarakhand 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 BARB0GARNAI

How to transfer money using IFSC BARB0GARNAI

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 BARB0GARNAI across all three.

NEFT to Bank of Baroda, GARHINEGI, UTTARAKHAND using IFSC BARB0GARNAI

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 BARB0GARNAI, and confirm that the system picks up Bank of Baroda – GARHINEGI, UTTARAKHAND. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC BARB0GARNAI

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 – GARHINEGI, UTTARAKHAND, ensure your bank's portal accepts IFSC BARB0GARNAI while registering the beneficiary. RTGS is also available 24x7.

IMPS to Bank of Baroda GARHINEGI, UTTARAKHAND (IFSC BARB0GARNAI)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BARB0GARNAI in your mobile or internet banking app, and the money is credited to the GARHINEGI, UTTARAKHAND branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Garhinegi, Uttarakhand

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 BARB0GARNAI:

• 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 GARHINEGI, UTTARAKHAND is still linked to IFSC BARB0GARNAI.

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.

UPI payments and IFSC BARB0GARNAI

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 – GARHINEGI, UTTARAKHAND is still mapped to IFSC BARB0GARNAI. 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 BARB0GARNAI 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 Garhinegi, Uttarakhand 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 BARB0GARNAI 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 Garhinegi, Uttarakhand branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC BARB0GARNAI 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 – GARHINEGI, UTTARAKHAND:

• The IFSC is exactly BARB0GARNAI 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 GARHINEGI, UTTARAKHAND 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 Garhinegi, Uttarakhand branch sits at GARHINEGI, KASHIPUR, DIST.UDHAM SINGH NAGAR, UTTARAKHAND - 244 713.. If you are travelling from outside Garhi Negi, 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 BARB0GARNAI and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC BARB0GARNAI for Bank of Baroda – GARHINEGI, UTTARAKHAND, 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.

Working hours

Branch counters at Garhinegi, Uttarakhand 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 BARB0GARNAI continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code BARB0GARNAI belongs to Bank of Baroda's GARHINEGI, UTTARAKHAND branch, located at GARHINEGI, KASHIPUR, DIST.UDHAM SINGH NAGAR, UTTARAKHAND - 244 713. in GARHI NEGI, UTTARAKHAND. 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.