IFSC Code of Bank of Baroda, Karunagapally, Kerala Branch, Kerala

Use this page as a one-stop reference for everything related to Bank of Baroda's KARUNAGAPALLY, KERALA branch in KARUNAGAPALLY, KERALA. The branch's IFSC code BARB0KARUNA 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 – KARUNAGAPALLY, KERALA is BARB0KARUNA. The first four letters BARB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters KARUNA map to this branch in KARUNAGAPALLY, KERALA.

Bank profile

Bank of Baroda is among the recognised banks listed on the Reserve Bank of India's payments network. The Karunagapally, Kerala branch — IFSC BARB0KARUNA — extends the bank's services to customers in and around Karunagapally, Kerala.

Branch details at a glance

About the Karunagapally, Kerala branch

The Karunagapally, Kerala branch of Bank of Baroda is situated at 1ST FLOOR FLOOR, K P1/1624, BHAVANI TRADE CENTRE, KARUNAGAPALLY, QUILLON DSTRICT, KERALA-690518. 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 BARB0KARUNA 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 KARUNAGAPALLY, KERALA branch came to be assigned the code BARB0KARUNA.

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 BARB0KARUNA, money simply cannot be routed to the KARUNAGAPALLY, KERALA branch electronically.

Products and account variants supported

Every account opened at the Karunagapally, Kerala branch is mapped to IFSC BARB0KARUNA 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 BARB0KARUNA.

Products and services

Customers walking into the Karunagapally, Kerala 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 BARB0KARUNA

How to transfer money using IFSC BARB0KARUNA

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 BARB0KARUNA across all three.

NEFT to Bank of Baroda, KARUNAGAPALLY, KERALA using IFSC BARB0KARUNA

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 BARB0KARUNA, and confirm that the system picks up Bank of Baroda – KARUNAGAPALLY, KERALA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to KARUNAGAPALLY, KERALA

If you need to transfer ₹2 lakh or more in one go to an account at Bank of Baroda's KARUNAGAPALLY, KERALA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BARB0KARUNA while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Bank of Baroda – KARUNAGAPALLY, KERALA, use IMPS. With IFSC BARB0KARUNA and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Karunagapally, Kerala

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 BARB0KARUNA:

• 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 KARUNAGAPALLY, KERALA is still linked to IFSC BARB0KARUNA.

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 BARB0KARUNA

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 – KARUNAGAPALLY, KERALA is still mapped to IFSC BARB0KARUNA. 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 BARB0KARUNA 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 Karunagapally, Kerala 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 BARB0KARUNA 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 Karunagapally, Kerala branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC BARB0KARUNA 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 BARB0KARUNA

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 – KARUNAGAPALLY, KERALA, 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: BARB0KARUNA.
• 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 Karunagapally, Kerala branch sits at 1ST FLOOR FLOOR, K P1/1624, BHAVANI TRADE CENTRE, KARUNAGAPALLY, QUILLON DSTRICT, KERALA-690518. If you are travelling from outside Karunagapally, 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 BARB0KARUNA and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC BARB0KARUNA for Bank of Baroda – KARUNAGAPALLY, KERALA, 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 Karunagapally, Kerala 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 BARB0KARUNA continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: BARB0KARUNA is the IFSC code of Bank of Baroda, KARUNAGAPALLY, KERALA branch, in KARUNAGAPALLY, KERALA. 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.