IFSC Code of Bank of Baroda, Gulawathi Branch, Uttar Pradesh

This page lists the IFSC code, branch address, contact number and fund-transfer information for Bank of Baroda, GULAWATHI branch in GULAOTHI. The 11-digit IFSC BARB0GULAWT 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 GULAWATHI 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.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For Bank of Baroda's GULAWATHI branch, the IFSC BARB0GULAWT breaks down as follows: BARB identifies the bank, 0 is the reserved character, and GULAWT identifies this particular branch.

About Bank of Baroda

Bank of Baroda operates a wide network of branches across India, including the Gulawathi branch in Gulaothi. 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, BARB0GULAWT.

Branch details at a glance

About the Gulawathi branch

The Gulawathi branch of Bank of Baroda is situated at RAM NAGAR MOHALLA, OPPOSITE NAGAR PALIKA PARISHAD,OFFICE, G T ROAD, GULAWATHI DIST. BULANDSHAHAR-245408. 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 BARB0GULAWT 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 GULAWATHI branch came to be assigned the code BARB0GULAWT.

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 BARB0GULAWT, money simply cannot be routed to the GULAWATHI branch electronically.

Products and account variants supported

Every account opened at the Gulawathi branch is mapped to IFSC BARB0GULAWT 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 BARB0GULAWT.

Products and services

Customers walking into the Gulawathi 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 BARB0GULAWT

How to transfer money using IFSC BARB0GULAWT

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 BARB0GULAWT across all three.

NEFT to Bank of Baroda, GULAWATHI using IFSC BARB0GULAWT

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 BARB0GULAWT, and confirm that the system picks up Bank of Baroda – GULAWATHI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to GULAWATHI

If you need to transfer ₹2 lakh or more in one go to an account at Bank of Baroda's GULAWATHI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BARB0GULAWT 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 – GULAWATHI, use IMPS. With IFSC BARB0GULAWT and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Gulawathi

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 BARB0GULAWT:

• 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 GULAWATHI is still linked to IFSC BARB0GULAWT.

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 GULAWATHI branch, the IFSC BARB0GULAWT 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.

Digital banking channels

Most day-to-day work that customers used to do at the Gulawathi 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 BARB0GULAWT 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 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 BARB0GULAWT and the account number together uniquely identify the Gulawathi branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – GULAWATHI:

• The IFSC is exactly BARB0GULAWT 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 GULAWATHI 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 Gulawathi branch sits at RAM NAGAR MOHALLA, OPPOSITE NAGAR PALIKA PARISHAD,OFFICE, G T ROAD, GULAWATHI DIST. BULANDSHAHAR-245408. If you are travelling from outside Gulaothi, 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 BARB0GULAWT and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC BARB0GULAWT for Bank of Baroda – GULAWATHI, 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 Gulawathi branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BARB0GULAWT, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code BARB0GULAWT belongs to Bank of Baroda's GULAWATHI branch, located at RAM NAGAR MOHALLA, OPPOSITE NAGAR PALIKA PARISHAD,OFFICE, G T ROAD, GULAWATHI… in GULAOTHI, UTTAR PRADESH. 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.