IFSC Code of Bank of Baroda, Cherkala Branch, Kerala

Use this page as a one-stop reference for everything related to Bank of Baroda's CHERKALA branch in KASARAGOD, KERALA. The branch's IFSC code BARB0VJCHEK 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.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, BARB0VJCHEK is the IFSC of Bank of Baroda's CHERKALA branch. The format is fixed: BARB = bank code, 0 = reserved, VJCHEK = branch identifier.

About the bank

Bank of Baroda serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Cherkala branch in Kasaragod, Kerala is part of this network and uses the IFSC code BARB0VJCHEK for all electronic settlement.

About this branch

The branch is located at CP XV 549 E F, CENTRAL CITY , BUILDING, CHERKALA , POST CHENGALA, KASARGOD , CHERKALA , 671541. It serves the Kasaragod 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 BARB0VJCHEK is used to identify this branch on the RBI payments network.

Branch details at a glance

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 CHERKALA branch came to be assigned the code BARB0VJCHEK.

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 BARB0VJCHEK, money simply cannot be routed to the CHERKALA branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Cherkala branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC BARB0VJCHEK 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 BARB0VJCHEK

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 BARB0VJCHEK across all three.

NEFT to Bank of Baroda, CHERKALA using IFSC BARB0VJCHEK

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 BARB0VJCHEK, and confirm that the system picks up Bank of Baroda – CHERKALA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC BARB0VJCHEK

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 – CHERKALA, ensure your bank's portal accepts IFSC BARB0VJCHEK while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Bank of Baroda – CHERKALA, use IMPS. With IFSC BARB0VJCHEK 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 Cherkala

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 BARB0VJCHEK:

• 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 CHERKALA is still linked to IFSC BARB0VJCHEK.

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.

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 CHERKALA branch, the IFSC BARB0VJCHEK 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.

Products and account variants supported

Every account opened at the Cherkala branch is mapped to IFSC BARB0VJCHEK 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 BARB0VJCHEK.

Products and services

Customers walking into the Cherkala 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 BARB0VJCHEK

Digital banking channels

Most day-to-day work that customers used to do at the Cherkala 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 BARB0VJCHEK 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 Cherkala branch sits at CP XV 549 E F, CENTRAL CITY , BUILDING, CHERKALA , POST CHENGALA, KASARGOD , CHERKALA , 671541. If you are travelling from outside Kasaragod, 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 BARB0VJCHEK and your account number.

Common mistakes to avoid when using IFSC BARB0VJCHEK

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 – CHERKALA, 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: BARB0VJCHEK.
• 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.

Working hours

Branch counters at Cherkala 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 BARB0VJCHEK continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC BARB0VJCHEK for Bank of Baroda – CHERKALA, 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

Summary

The IFSC code BARB0VJCHEK belongs to Bank of Baroda's CHERKALA branch, located at CP XV 549 E F, CENTRAL CITY , BUILDING, CHERKALA , POST CHENGALA, KASARGOD ,… in KASARAGOD, KERALA. 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.