Use this page as a one-stop reference for everything related to Bank of Baroda's LAXMI BAZAR CHOWK,JHARKHAND branch in JAUSAGARHI, JHARKHAND. The branch's IFSC code BARB0LAKDEO 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.
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 LAXMI BAZAR CHOWK,JHARKHAND branch, the IFSC BARB0LAKDEO breaks down as follows: BARB identifies the bank, 0 is the reserved character, and LAKDEO identifies this particular branch.
About the bank
Bank of Baroda serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Laxmi Bazar Chowk,Jharkhand branch in Jausagarhi, Jharkhand is part of this network and uses the IFSC code BARB0LAKDEO for all electronic settlement.
Branch details at a glance
| Bank Name | Bank of Baroda |
|---|---|
| Branch | Laxmi Bazar Chowk,Jharkhand |
| IFSC Code | BARB0LAKDEO |
| MICR Code | Refer to cheque leaf |
| Branch Address | C/O KISAN TRACTOR DOUGHAR,DUMKA ROAD,JAUSAGARHI,DEOGHAR,JHARKHAND 814112 |
| City | Jausagarhi |
| District | Jausagarhi |
| State | Jharkhand |
| Phone | 1800223344 |
About this branch
The branch is located at C/O KISAN TRACTOR DOUGHAR,DUMKA ROAD,JAUSAGARHI,DEOGHAR,JHARKHAND 814112. It serves the Jausagarhi 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 BARB0LAKDEO is used to identify this branch on the RBI payments network.
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 LAXMI BAZAR CHOWK,JHARKHAND of Bank of Baroda — its own 11-character IFSC. The code BARB0LAKDEO 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 BARB0LAKDEO the same way you would treat your account number — verify it once and save it carefully for future use.
Products and account variants supported
Every account opened at the Laxmi Bazar Chowk,Jharkhand branch is mapped to IFSC BARB0LAKDEO 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 BARB0LAKDEO.
Banking services available
The Laxmi Bazar Chowk,Jharkhand 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 BARB0LAKDEO
How to transfer money using IFSC BARB0LAKDEO
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 BARB0LAKDEO across all three.
NEFT to Bank of Baroda, LAXMI BAZAR CHOWK,JHARKHAND using IFSC BARB0LAKDEO
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 BARB0LAKDEO, and confirm that the system picks up Bank of Baroda – LAXMI BAZAR CHOWK,JHARKHAND. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC BARB0LAKDEO
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 – LAXMI BAZAR CHOWK,JHARKHAND, ensure your bank's portal accepts IFSC BARB0LAKDEO while registering the beneficiary. RTGS is also available 24x7.
IMPS to Bank of Baroda LAXMI BAZAR CHOWK,JHARKHAND (IFSC BARB0LAKDEO)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BARB0LAKDEO in your mobile or internet banking app, and the money is credited to the LAXMI BAZAR CHOWK,JHARKHAND branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC BARB0LAKDEO for Bank of Baroda – LAXMI BAZAR CHOWK,JHARKHAND, 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – BARB0LAKDEO | Yes – BARB0LAKDEO | Yes – BARB0LAKDEO |
For most retail customers crediting the Laxmi Bazar Chowk,Jharkhand 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 BARB0LAKDEO
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 – LAXMI BAZAR CHOWK,JHARKHAND is still mapped to IFSC BARB0LAKDEO. 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 BARB0LAKDEO and the beneficiary's account number to complete the transfer.
Online banking and IFSC BARB0LAKDEO
Bank of Baroda customers can register for net banking and the bank's official mobile app once their account at the LAXMI BAZAR CHOWK,JHARKHAND 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 BARB0LAKDEO 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.
MICR & cheque-truncation details
Cheques drawn on the Laxmi Bazar Chowk,Jharkhand branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC BARB0LAKDEO for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Common mistakes to avoid when using IFSC BARB0LAKDEO
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 – LAXMI BAZAR CHOWK,JHARKHAND, 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:
BARB0LAKDEO. - 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.
How to reach the Laxmi Bazar Chowk,Jharkhand branch
The branch is located at C/O KISAN TRACTOR DOUGHAR,DUMKA ROAD,JAUSAGARHI,DEOGHAR,JHARKHAND 814112, which puts it inside Jausagarhi, the broader Jausagarhi district, and the state of Jharkhand. To plan your visit:
- Open Google Maps on your phone and search for “Bank of Baroda Laxmi Bazar Chowk,Jharkhand branch” — the verified location pin for IFSC BARB0LAKDEO should appear at the top of the results.
- Confirm the branch is open by calling 1800223344 before stepping out, especially around public holidays.
- Carry photo ID and any account-related documents you may need for the transaction you plan to do.
Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC BARB0LAKDEO and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC BARB0LAKDEO for Bank of Baroda – LAXMI BAZAR CHOWK,JHARKHAND, 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 Laxmi Bazar Chowk,Jharkhand branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BARB0LAKDEO, however, work 24x7.
Branch address & contact
Bank of BarodaLaxmi Bazar Chowk,Jharkhand Branch
C/O KISAN TRACTOR DOUGHAR,DUMKA ROAD,JAUSAGARHI,DEOGHAR,JHARKHAND 814112
Jausagarhi, Jharkhand
Phone: 1800223344
IFSC: BARB0LAKDEO
Frequently asked questions
Where is Bank of Baroda Laxmi Bazar Chowk,Jharkhand branch located?
Bank of Baroda's Laxmi Bazar Chowk,Jharkhand branch is located at C/O KISAN TRACTOR DOUGHAR,DUMKA ROAD,JAUSAGARHI,DEOGHAR,JHARKHAND 814112, Jausagarhi, Jharkhand.
How quickly will an NEFT transfer using BARB0LAKDEO be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Bank of Baroda – Laxmi Bazar Chowk,Jharkhand reflect within 30 minutes.
Is IFSC BARB0LAKDEO valid for NEFT and RTGS?
Yes. IFSC BARB0LAKDEO is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the phone number of Bank of Baroda Laxmi Bazar Chowk,Jharkhand branch?
You can reach the branch at 1800223344 during regular banking hours.
Does Bank of Baroda Laxmi Bazar Chowk,Jharkhand branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 1800223344 to confirm.
Is IFSC BARB0LAKDEO the same for all accounts at Laxmi Bazar Chowk,Jharkhand branch?
Yes. The IFSC BARB0LAKDEO is shared by every account held at Bank of Baroda's Laxmi Bazar Chowk,Jharkhand branch. Only the account number changes from customer to customer.
Summary
The IFSC code BARB0LAKDEO belongs to Bank of Baroda's LAXMI BAZAR CHOWK,JHARKHAND branch, located at C/O KISAN TRACTOR DOUGHAR,DUMKA ROAD,JAUSAGARHI,DEOGHAR,JHARKHAND 814112 in JAUSAGARHI, JHARKHAND. 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.
