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

Use this page as a one-stop reference for everything related to Bank of Baroda's HOSHIARPUR BRANCH branch in HOSHIARPUR, PUNJAB. The branch's IFSC code BARB0HOSHIA 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 – HOSHIARPUR BRANCH is BARB0HOSHIA. The first four letters BARB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters HOSHIA map to this branch in HOSHIARPUR, PUNJAB.

Branch details at a glance

Bank profile

Bank of Baroda is among the recognised banks listed on the Reserve Bank of India's payments network. The Hoshiarpur Branch branch — IFSC BARB0HOSHIA — extends the bank's services to customers in and around Hoshiarpur, Punjab.

About the Hoshiarpur Branch branch

The Hoshiarpur Branch branch of Bank of Baroda is situated at HOSHIARPUR BRANCH,NR SWARN COLD STORAGE, JALLANDHAR ROAD,HOSHIARPUR,HOSHIARPUR,146001. 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 BARB0HOSHIA is used.

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 HOSHIARPUR BRANCH of Bank of Baroda — its own 11-character IFSC. The code BARB0HOSHIA 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 BARB0HOSHIA the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC BARB0HOSHIA

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 BARB0HOSHIA across all three.

NEFT to Bank of Baroda, HOSHIARPUR BRANCH using IFSC BARB0HOSHIA

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 BARB0HOSHIA, and confirm that the system picks up Bank of Baroda – HOSHIARPUR BRANCH. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to HOSHIARPUR BRANCH

If you need to transfer ₹2 lakh or more in one go to an account at Bank of Baroda's HOSHIARPUR BRANCH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BARB0HOSHIA 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 – HOSHIARPUR BRANCH, use IMPS. With IFSC BARB0HOSHIA 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 BARB0HOSHIA for Bank of Baroda – HOSHIARPUR BRANCH, 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 Hoshiarpur Branch 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 BARB0HOSHIA

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 – HOSHIARPUR BRANCH is still mapped to IFSC BARB0HOSHIA. 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 BARB0HOSHIA and the beneficiary's account number to complete the transfer.

Account types you can open at the Hoshiarpur Branch branch

Once you have an account at Bank of Baroda – HOSHIARPUR BRANCH, the IFSC BARB0HOSHIA 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 Hoshiarpur Branch 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 BARB0HOSHIA

MICR & cheque-truncation details

Cheques drawn on the Hoshiarpur Branch branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC BARB0HOSHIA for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC BARB0HOSHIA

Bank of Baroda customers can register for net banking and the bank's official mobile app once their account at the HOSHIARPUR BRANCH 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 BARB0HOSHIA 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.

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 – HOSHIARPUR BRANCH:

• The IFSC is exactly BARB0HOSHIA 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 HOSHIARPUR BRANCH 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 Hoshiarpur Branch branch sits at HOSHIARPUR BRANCH,NR SWARN COLD STORAGE, JALLANDHAR ROAD,HOSHIARPUR,HOSHIARPUR,146001. If you are travelling from outside Hoshiarpur, 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 BARB0HOSHIA and your account number.

Verifying IFSC BARB0HOSHIA 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 BARB0HOSHIA 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 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 Hoshiarpur Branch branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BARB0HOSHIA, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: BARB0HOSHIA is the IFSC code of Bank of Baroda, HOSHIARPUR BRANCH branch, in HOSHIARPUR, 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.