IFSC Code of Bank of Baroda, Kharach, Dist. Bharuch, Gujarat Branch, Gujarat

This page lists the IFSC code, branch address, contact number and fund-transfer information for Bank of Baroda, KHARACH, DIST. BHARUCH, GUJARAT branch in KHARACH. The 11-digit IFSC BARB0KHARAC uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Bank of Baroda at the KHARACH, DIST. BHARUCH, GUJARAT location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.

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, BARB0KHARAC is the IFSC of Bank of Baroda's KHARACH, DIST. BHARUCH, GUJARAT branch. The format is fixed: BARB = bank code, 0 = reserved, KHARAC = branch identifier.

Bank profile

Bank of Baroda is among the recognised banks listed on the Reserve Bank of India's payments network. The Kharach, Dist. Bharuch, Gujarat branch — IFSC BARB0KHARAC — extends the bank's services to customers in and around Kharach, Gujarat.

Kharach, Dist. Bharuch, Gujarat branch overview

Located at KHARACH, TAL. HANSOT, DIST. BHARUCH, GUJARAT - 394 120, the Kharach, Dist. Bharuch, Gujarat branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC BARB0KHARAC is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

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 KHARACH, DIST. BHARUCH, GUJARAT of Bank of Baroda — its own 11-character IFSC. The code BARB0KHARAC 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 BARB0KHARAC the same way you would treat your account number — verify it once and save it carefully for future use.

MICR & cheque-truncation details

Cheques drawn on the Kharach, Dist. Bharuch, Gujarat branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC BARB0KHARAC 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 BARB0KHARAC

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 BARB0KHARAC across all three.

NEFT to Bank of Baroda, KHARACH, DIST. BHARUCH, GUJARAT using IFSC BARB0KHARAC

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 BARB0KHARAC, and confirm that the system picks up Bank of Baroda – KHARACH, DIST. BHARUCH, GUJARAT. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to KHARACH, DIST. BHARUCH, GUJARAT

If you need to transfer ₹2 lakh or more in one go to an account at Bank of Baroda's KHARACH, DIST. BHARUCH, GUJARAT branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BARB0KHARAC while initiating the transfer and the credit will appear within minutes.

IMPS to Bank of Baroda KHARACH, DIST. BHARUCH, GUJARAT (IFSC BARB0KHARAC)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BARB0KHARAC in your mobile or internet banking app, and the money is credited to the KHARACH, DIST. BHARUCH, GUJARAT branch account within seconds.

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

All three modes accept the IFSC BARB0KHARAC for Bank of Baroda – KHARACH, DIST. BHARUCH, GUJARAT, 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 Kharach, Dist. Bharuch, Gujarat 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 KHARACH, DIST. BHARUCH, GUJARAT branch, the IFSC BARB0KHARAC 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.

Account types you can open at the Kharach, Dist. Bharuch, Gujarat branch

Once you have an account at Bank of Baroda – KHARACH, DIST. BHARUCH, GUJARAT, the IFSC BARB0KHARAC 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 Kharach, Dist. Bharuch, Gujarat 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 BARB0KHARAC

Online banking and IFSC BARB0KHARAC

Bank of Baroda customers can register for net banking and the bank's official mobile app once their account at the KHARACH, DIST. BHARUCH, GUJARAT branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC BARB0KHARAC is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.

How to reach the Kharach, Dist. Bharuch, Gujarat branch

The branch is located at KHARACH, TAL. HANSOT, DIST. BHARUCH, GUJARAT - 394 120, which puts it inside Kharach, the broader Bharuch district, and the state of Gujarat. To plan your visit:

1. Open Google Maps on your phone and search for “Bank of Baroda Kharach, Dist. Bharuch, Gujarat branch” — the verified location pin for IFSC BARB0KHARAC 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 BARB0KHARAC and your account number.

Common mistakes to avoid when using IFSC BARB0KHARAC

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 – KHARACH, DIST. BHARUCH, GUJARAT, 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: BARB0KHARAC.
• 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 Kharach, Dist. Bharuch, Gujarat 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 BARB0KHARAC continue to work without interruption.

Verifying IFSC BARB0KHARAC 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 BARB0KHARAC 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.

Branch address & contact

Frequently asked questions

Summary

The IFSC code BARB0KHARAC belongs to Bank of Baroda's KHARACH, DIST. BHARUCH, GUJARAT branch, located at KHARACH, TAL. HANSOT, DIST. BHARUCH, GUJARAT - 394 120 in KHARACH, GUJARAT. 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.