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

Below are the complete branch details for Bank of Baroda, KARMA, UTTAR PRADESH branch, located in KARCHANA, UTTAR PRADESH. The IFSC assigned by the Reserve Bank of India to this branch is BARB0KARMAX. 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 BARB0KARMAX for Bank of Baroda – KARMA, UTTAR PRADESH — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 KARMA, UTTAR PRADESH branch, the IFSC BARB0KARMAX breaks down as follows: BARB identifies the bank, 0 is the reserved character, and KARMAX identifies this particular branch.

Bank profile

Bank of Baroda is among the recognised banks listed on the Reserve Bank of India's payments network. The Karma, Uttar Pradesh branch — IFSC BARB0KARMAX — extends the bank's services to customers in and around Karchana, Uttar Pradesh.

About the Karma, Uttar Pradesh branch

The Karma, Uttar Pradesh branch of Bank of Baroda is situated at GATA NO.1114,VILL KARMA,PARGANA A RAIL,TEH KARCHHANA,ALLAHABAD,UTTAR PRADESH - 212107.. 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 BARB0KARMAX is used.

Branch details at a glance

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 KARMA, UTTAR PRADESH of Bank of Baroda — its own 11-character IFSC. The code BARB0KARMAX 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 BARB0KARMAX the same way you would treat your account number — verify it once and save it carefully for future use.

MICR & cheque-truncation details

Cheques drawn on the Karma, Uttar Pradesh branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC BARB0KARMAX for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC BARB0KARMAX

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 BARB0KARMAX across all three.

NEFT to Bank of Baroda, KARMA, UTTAR PRADESH using IFSC BARB0KARMAX

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 BARB0KARMAX, and confirm that the system picks up Bank of Baroda – KARMA, UTTAR PRADESH. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to KARMA, UTTAR PRADESH

If you need to transfer ₹2 lakh or more in one go to an account at Bank of Baroda's KARMA, UTTAR PRADESH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BARB0KARMAX while initiating the transfer and the credit will appear within minutes.

IMPS to Bank of Baroda KARMA, UTTAR PRADESH (IFSC BARB0KARMAX)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BARB0KARMAX in your mobile or internet banking app, and the money is credited to the KARMA, UTTAR PRADESH branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Karma, Uttar Pradesh

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 BARB0KARMAX:

• 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 KARMA, UTTAR PRADESH is still linked to IFSC BARB0KARMAX.

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 BARB0KARMAX

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 – KARMA, UTTAR PRADESH is still mapped to IFSC BARB0KARMAX. 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 BARB0KARMAX and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Karma, Uttar Pradesh branch is mapped to IFSC BARB0KARMAX 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 BARB0KARMAX.

Banking services available

The Karma, Uttar Pradesh 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 BARB0KARMAX

Online banking and IFSC BARB0KARMAX

Bank of Baroda customers can register for net banking and the bank's official mobile app once their account at the KARMA, UTTAR PRADESH 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 BARB0KARMAX 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.

How to reach the Karma, Uttar Pradesh branch

The branch is located at GATA NO.1114,VILL KARMA,PARGANA A RAIL,TEH KARCHHANA,ALLAHABAD,UTTAR PRADESH - 212107., which puts it inside Karchana, the broader Allahabad district, and the state of Uttar Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “Bank of Baroda Karma, Uttar Pradesh branch” — the verified location pin for IFSC BARB0KARMAX should appear at the top of the results.
2. Confirm the branch is open by calling 1800223344 before stepping out, especially around public holidays.
3. 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 BARB0KARMAX and your account number.

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 – KARMA, UTTAR PRADESH:

• The IFSC is exactly BARB0KARMAX 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 KARMA, UTTAR PRADESH 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.

Working hours

Branch counters at Karma, Uttar Pradesh 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 BARB0KARMAX continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC BARB0KARMAX for Bank of Baroda – KARMA, UTTAR PRADESH, 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 address & contact

Frequently asked questions

Final notes

To recap: BARB0KARMAX is the IFSC code of Bank of Baroda, KARMA, UTTAR PRADESH branch, in KARCHANA, UTTAR PRADESH. 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.