IFSC Code of Bank of Baroda, Chitrakoot, Up Branch, Uttar Pradesh

Use this page as a one-stop reference for everything related to Bank of Baroda's CHITRAKOOT, UP branch in KARWI, UTTAR PRADESH. The branch's IFSC code BARB0CHITRA 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 – CHITRAKOOT, UP is BARB0CHITRA. The first four letters BARB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters CHITRA map to this branch in KARWI, UTTAR PRADESH.

About Bank of Baroda

Bank of Baroda operates a wide network of branches across India, including the Chitrakoot, Up branch in Karwi. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, BARB0CHITRA.

Branch details at a glance

About this branch

The branch is located at CHITRAKOOT DHAM, KARVI, DIST.CHITRAKOOT, UTTAR PRADESH - 210 205.. It serves the Karwi 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 BARB0CHITRA 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 CHITRAKOOT, UP of Bank of Baroda — its own 11-character IFSC. The code BARB0CHITRA 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 BARB0CHITRA the same way you would treat your account number — verify it once and save it carefully for future use.

Account types you can open at the Chitrakoot, Up branch

Once you have an account at Bank of Baroda – CHITRAKOOT, UP, the IFSC BARB0CHITRA 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.

Products and services

Customers walking into the Chitrakoot, Up 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 BARB0CHITRA

How to transfer money using IFSC BARB0CHITRA

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 BARB0CHITRA across all three.

NEFT to Bank of Baroda, CHITRAKOOT, UP using IFSC BARB0CHITRA

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 BARB0CHITRA, and confirm that the system picks up Bank of Baroda – CHITRAKOOT, UP. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to CHITRAKOOT, UP

If you need to transfer ₹2 lakh or more in one go to an account at Bank of Baroda's CHITRAKOOT, UP branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BARB0CHITRA while initiating the transfer and the credit will appear within minutes.

IMPS to Bank of Baroda CHITRAKOOT, UP (IFSC BARB0CHITRA)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BARB0CHITRA in your mobile or internet banking app, and the money is credited to the CHITRAKOOT, UP branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC BARB0CHITRA for Bank of Baroda – CHITRAKOOT, UP, 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.

For most retail customers crediting the Chitrakoot, Up 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.

How UPI relates to the IFSC code

UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at Bank of Baroda's CHITRAKOOT, UP branch, the IFSC BARB0CHITRA is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.

That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.

Digital banking channels

Most day-to-day work that customers used to do at the Chitrakoot, Up 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 BARB0CHITRA 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 code & cheque clearing

Apart from IFSC, every cheque book issued by Bank of Baroda carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC BARB0CHITRA and the account number together uniquely identify the Chitrakoot, Up branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – CHITRAKOOT, UP:

• The IFSC is exactly BARB0CHITRA 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 CHITRAKOOT, UP 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 Chitrakoot, Up branch

The branch is located at CHITRAKOOT DHAM, KARVI, DIST.CHITRAKOOT, UTTAR PRADESH - 210 205., which puts it inside Karwi, the broader Chitrakoot district, and the state of Uttar Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “Bank of Baroda Chitrakoot, Up branch” — the verified location pin for IFSC BARB0CHITRA 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 BARB0CHITRA and your account number.

Verifying IFSC BARB0CHITRA 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 BARB0CHITRA by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 1800223344.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Chitrakoot, Up 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 BARB0CHITRA continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: BARB0CHITRA is the IFSC code of Bank of Baroda, CHITRAKOOT, UP branch, in KARWI, 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.