IFSC Code of Bank of Baroda, Kadamtala, Howrah, West Bengal Branch, West Bengal

This page lists the IFSC code, branch address, contact number and fund-transfer information for Bank of Baroda, KADAMTALA, HOWRAH, WEST BENGAL branch in HOWRAH. The 11-digit IFSC BARB0KADAMT 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 KADAMTALA, HOWRAH, WEST BENGAL 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.

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 – KADAMTALA, HOWRAH, WEST BENGAL is BARB0KADAMT. The first four letters BARB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters KADAMT map to this branch in HOWRAH, WEST BENGAL.

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 Kadamtala, Howrah, West Bengal branch — IFSC BARB0KADAMT — extends the bank's services to customers in and around Howrah, West Bengal.

Kadamtala, Howrah, West Bengal branch overview

Located at ARIHANT TOWER, 12 1 K N MUKHERJEE LAN, KADAMTALA, HOWRAH, WEST BENGAL, the Kadamtala, Howrah, West Bengal branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC BARB0KADAMT is required for all interbank electronic transfers routed through this branch.

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 KADAMTALA, HOWRAH, WEST BENGAL branch came to be assigned the code BARB0KADAMT.

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 BARB0KADAMT, money simply cannot be routed to the KADAMTALA, HOWRAH, WEST BENGAL branch electronically.

How to transfer money using IFSC BARB0KADAMT

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 BARB0KADAMT across all three.

NEFT to Bank of Baroda, KADAMTALA, HOWRAH, WEST BENGAL using IFSC BARB0KADAMT

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 BARB0KADAMT, and confirm that the system picks up Bank of Baroda – KADAMTALA, HOWRAH, WEST BENGAL. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to KADAMTALA, HOWRAH, WEST BENGAL

If you need to transfer ₹2 lakh or more in one go to an account at Bank of Baroda's KADAMTALA, HOWRAH, WEST BENGAL branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BARB0KADAMT while initiating the transfer and the credit will appear within minutes.

IMPS to Bank of Baroda KADAMTALA, HOWRAH, WEST BENGAL (IFSC BARB0KADAMT)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BARB0KADAMT in your mobile or internet banking app, and the money is credited to the KADAMTALA, HOWRAH, WEST BENGAL branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Kadamtala, Howrah, West Bengal

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 BARB0KADAMT:

• 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 KADAMTALA, HOWRAH, WEST BENGAL is still linked to IFSC BARB0KADAMT.

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 KADAMTALA, HOWRAH, WEST BENGAL branch, the IFSC BARB0KADAMT 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.

Products and account variants supported

Every account opened at the Kadamtala, Howrah, West Bengal branch is mapped to IFSC BARB0KADAMT 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 BARB0KADAMT.

Products and services

Customers walking into the Kadamtala, Howrah, West Bengal 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 BARB0KADAMT

MICR & cheque-truncation details

Cheques drawn on the Kadamtala, Howrah, West Bengal branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC BARB0KADAMT for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Digital banking channels

Most day-to-day work that customers used to do at the Kadamtala, Howrah, West Bengal 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 BARB0KADAMT 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.

Common mistakes to avoid when using IFSC BARB0KADAMT

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 – KADAMTALA, HOWRAH, WEST BENGAL, 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: BARB0KADAMT.
• 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.

Reaching the branch

The Kadamtala, Howrah, West Bengal branch sits at ARIHANT TOWER, 12 1 K N MUKHERJEE LAN, KADAMTALA, HOWRAH, WEST BENGAL. If you are travelling from outside Howrah, 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 BARB0KADAMT and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC BARB0KADAMT for Bank of Baroda – KADAMTALA, HOWRAH, WEST BENGAL, 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 Kadamtala, Howrah, West Bengal 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 BARB0KADAMT continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: BARB0KADAMT is the IFSC code of Bank of Baroda, KADAMTALA, HOWRAH, WEST BENGAL branch, in HOWRAH, WEST BENGAL. 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.