If you are searching for the IFSC code of Bank of Baroda, KUNJPURA ROAD KARNAL branch in KARNAL, HARYANA, this page has every detail you need. The verified IFSC code for this branch is BARB0KUNJPU. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.
You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the KUNJPURA ROAD KARNAL branch, and detailed step-by-step guides for using the IFSC BARB0KUNJPU across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.
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 KUNJPURA ROAD KARNAL branch, the IFSC BARB0KUNJPU breaks down as follows: BARB identifies the bank, 0 is the reserved character, and KUNJPU 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 Kunjpura Road Karnal branch — IFSC BARB0KUNJPU — extends the bank's services to customers in and around Karnal, Haryana.
About this branch
The branch is located at KILL NO 16 BY 1 25 BY 2 NEAR CONVENT SCHOOL KUNJPURA ROAD KARNAL HARYANA 132001. It serves the Karnal 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 BARB0KUNJPU is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | Bank of Baroda |
|---|---|
| Branch | Kunjpura Road Karnal |
| IFSC Code | BARB0KUNJPU |
| MICR Code | Refer to cheque leaf |
| Branch Address | KILL NO 16 BY 1 25 BY 2 NEAR CONVENT SCHOOL KUNJPURA ROAD KARNAL HARYANA 132001 |
| City | Karnal |
| District | Karnal |
| State | Haryana |
| STD Code | 22 |
| Phone | 1800223344 |
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 KUNJPURA ROAD KARNAL branch came to be assigned the code BARB0KUNJPU.
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 BARB0KUNJPU, money simply cannot be routed to the KUNJPURA ROAD KARNAL branch electronically.
MICR & cheque-truncation details
Cheques drawn on the Kunjpura Road Karnal branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC BARB0KUNJPU 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 BARB0KUNJPU
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 BARB0KUNJPU across all three.
How to use IFSC BARB0KUNJPU for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Bank of Baroda's KUNJPURA ROAD KARNAL branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC BARB0KUNJPU.
- Confirm the bank name auto-populates as Bank of Baroda and the branch as KUNJPURA ROAD KARNAL.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC BARB0KUNJPU
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 – KUNJPURA ROAD KARNAL, ensure your bank's portal accepts IFSC BARB0KUNJPU while registering the beneficiary. RTGS is also available 24x7.
IMPS to Bank of Baroda KUNJPURA ROAD KARNAL (IFSC BARB0KUNJPU)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BARB0KUNJPU in your mobile or internet banking app, and the money is credited to the KUNJPURA ROAD KARNAL branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC BARB0KUNJPU for Bank of Baroda – KUNJPURA ROAD KARNAL, 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 – BARB0KUNJPU | Yes – BARB0KUNJPU | Yes – BARB0KUNJPU |
For most retail customers crediting the Kunjpura Road Karnal 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 BARB0KUNJPU
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 – KUNJPURA ROAD KARNAL is still mapped to IFSC BARB0KUNJPU. 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 BARB0KUNJPU and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Kunjpura Road Karnal branch is mapped to IFSC BARB0KUNJPU 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 BARB0KUNJPU.
Products and services
Customers walking into the Kunjpura Road Karnal 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 BARB0KUNJPU
Digital banking channels
Most day-to-day work that customers used to do at the Kunjpura Road Karnal 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 BARB0KUNJPU 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.
Reaching the branch
The Kunjpura Road Karnal branch sits at KILL NO 16 BY 1 25 BY 2 NEAR CONVENT SCHOOL KUNJPURA ROAD KARNAL HARYANA 132001. If you are travelling from outside Karnal, search for the branch on a maps application using the bank name and locality, or call 22-1800223344 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 BARB0KUNJPU 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 – KUNJPURA ROAD KARNAL:
- The IFSC is exactly BARB0KUNJPU 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 KUNJPURA ROAD KARNAL 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.
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 Kunjpura Road Karnal branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BARB0KUNJPU, however, work 24x7.
Verifying IFSC BARB0KUNJPU 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 BARB0KUNJPU by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 22-1800223344.
- Visiting the bank's official branch locator page.
Branch address & contact
Bank of BarodaKunjpura Road Karnal Branch
KILL NO 16 BY 1 25 BY 2 NEAR CONVENT SCHOOL KUNJPURA ROAD KARNAL HARYANA 132001
Karnal, Haryana
Phone: 22-1800223344
IFSC: BARB0KUNJPU
Frequently asked questions
Is IFSC BARB0KUNJPU valid for NEFT and RTGS?
Yes. IFSC BARB0KUNJPU is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Is IFSC BARB0KUNJPU the same for all accounts at Kunjpura Road Karnal branch?
Yes. The IFSC BARB0KUNJPU is shared by every account held at Bank of Baroda's Kunjpura Road Karnal branch. Only the account number changes from customer to customer.
Can I use IFSC BARB0KUNJPU for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC BARB0KUNJPU to send funds instantly.
How quickly will an NEFT transfer using BARB0KUNJPU be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Bank of Baroda – Kunjpura Road Karnal reflect within 30 minutes.
How do I add Bank of Baroda Kunjpura Road Karnal as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC BARB0KUNJPU, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Kunjpura Road Karnal branch but serve different purposes.
Summary
The IFSC code BARB0KUNJPU belongs to Bank of Baroda's KUNJPURA ROAD KARNAL branch, located at KILL NO 16 BY 1 25 BY 2 NEAR CONVENT SCHOOL KUNJPURA ROAD KARNAL HARYANA 132001 in KARNAL, HARYANA. 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.
