IFSC Code of Bank of Baroda, Karnal Branch Branch, Haryana

Use this page as a one-stop reference for everything related to Bank of Baroda's KARNAL BRANCH branch in KARNAL, HARYANA. The branch's IFSC code BARB0KARNAL 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 – KARNAL BRANCH is BARB0KARNAL. The first four letters BARB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters KARNAL map to this branch in KARNAL, HARYANA.

About the bank

Bank of Baroda serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Karnal Branch branch in Karnal, Haryana is part of this network and uses the IFSC code BARB0KARNAL for all electronic settlement.

Branch details at a glance

About the Karnal Branch branch

The Karnal Branch branch of Bank of Baroda is situated at KARNAL BRANCH,OPP KARAN PARK, G T ROAD,,KARNAL,132001. 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 BARB0KARNAL 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 KARNAL BRANCH branch came to be assigned the code BARB0KARNAL.

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 BARB0KARNAL, money simply cannot be routed to the KARNAL BRANCH branch electronically.

Account types you can open at the Karnal Branch branch

Once you have an account at Bank of Baroda – KARNAL BRANCH, the IFSC BARB0KARNAL 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.

Banking services available

The Karnal Branch 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 BARB0KARNAL

How to transfer money using IFSC BARB0KARNAL

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 BARB0KARNAL across all three.

NEFT to Bank of Baroda, KARNAL BRANCH using IFSC BARB0KARNAL

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 BARB0KARNAL, and confirm that the system picks up Bank of Baroda – KARNAL BRANCH. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC BARB0KARNAL

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 – KARNAL BRANCH, ensure your bank's portal accepts IFSC BARB0KARNAL while registering the beneficiary. RTGS is also available 24x7.

IMPS to Bank of Baroda KARNAL BRANCH (IFSC BARB0KARNAL)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BARB0KARNAL in your mobile or internet banking app, and the money is credited to the KARNAL BRANCH branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Karnal Branch

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 BARB0KARNAL:

• 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 KARNAL BRANCH is still linked to IFSC BARB0KARNAL.

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 BARB0KARNAL

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 – KARNAL BRANCH is still mapped to IFSC BARB0KARNAL. 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 BARB0KARNAL and the beneficiary's account number to complete the transfer.

Digital banking channels

Most day-to-day work that customers used to do at the Karnal Branch 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 BARB0KARNAL 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 & cheque-truncation details

Cheques drawn on the Karnal Branch branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC BARB0KARNAL for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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 – KARNAL BRANCH:

• The IFSC is exactly BARB0KARNAL 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 KARNAL 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.

How to reach the Karnal Branch branch

The branch is located at KARNAL BRANCH,OPP KARAN PARK, G T ROAD,,KARNAL,132001, which puts it inside Karnal, the broader Karnal district, and the state of Haryana. To plan your visit:

1. Open Google Maps on your phone and search for “Bank of Baroda Karnal Branch branch” — the verified location pin for IFSC BARB0KARNAL 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 BARB0KARNAL and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC BARB0KARNAL for Bank of Baroda – KARNAL BRANCH, 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 Karnal Branch 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 BARB0KARNAL continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: BARB0KARNAL is the IFSC code of Bank of Baroda, KARNAL BRANCH branch, in KARNAL, HARYANA. 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.