IFSC Code of Bank of Baroda, Kharel Br., Gujarat Branch, Gujarat

This page lists the IFSC code, branch address, contact number and fund-transfer information for Bank of Baroda, KHAREL BR., GUJARAT branch in KHAREL. The 11-digit IFSC BARB0KHAREL 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 KHAREL BR., 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, BARB0KHAREL is the IFSC of Bank of Baroda's KHAREL BR., GUJARAT branch. The format is fixed: BARB = bank code, 0 = reserved, KHAREL = branch identifier.

About Bank of Baroda

Bank of Baroda operates a wide network of branches across India, including the Kharel Br., Gujarat branch in Kharel. 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, BARB0KHAREL.

Kharel Br., Gujarat branch overview

Located at KHAREL VIBHAG VIVIDH KARYAKARI SAHAKARI MANDALI LTD, KHAREL,TAL GANDEVI DIST. NAVSARI, GUJARAT - 396430, the Kharel Br., 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 BARB0KHAREL is required for all interbank electronic transfers routed through this branch.

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 KHAREL BR., GUJARAT branch came to be assigned the code BARB0KHAREL.

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 BARB0KHAREL, money simply cannot be routed to the KHAREL BR., GUJARAT branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Kharel Br., Gujarat branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC BARB0KHAREL 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 BARB0KHAREL

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 BARB0KHAREL across all three.

How to use IFSC BARB0KHAREL for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Bank of Baroda's KHAREL BR., GUJARAT 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).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC BARB0KHAREL.
4. Confirm the bank name auto-populates as Bank of Baroda and the branch as KHAREL BR., GUJARAT.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to KHAREL BR., GUJARAT

If you need to transfer ₹2 lakh or more in one go to an account at Bank of Baroda's KHAREL BR., GUJARAT branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BARB0KHAREL 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 – KHAREL BR., GUJARAT, use IMPS. With IFSC BARB0KHAREL 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 Kharel Br., Gujarat

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 BARB0KHAREL:

• 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 KHAREL BR., GUJARAT is still linked to IFSC BARB0KHAREL.

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 KHAREL BR., GUJARAT branch, the IFSC BARB0KHAREL 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 Kharel Br., Gujarat branch

Once you have an account at Bank of Baroda – KHAREL BR., GUJARAT, the IFSC BARB0KHAREL 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 Kharel Br., 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 BARB0KHAREL

Digital banking channels

Most day-to-day work that customers used to do at the Kharel Br., Gujarat 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 BARB0KHAREL 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 Kharel Br., Gujarat branch sits at KHAREL VIBHAG VIVIDH KARYAKARI SAHAKARI MANDALI LTD, KHAREL,TAL GANDEVI DIST. NAVSARI, GUJARAT - 396430. If you are travelling from outside Kharel, 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 BARB0KHAREL 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 – KHAREL BR., GUJARAT:

• The IFSC is exactly BARB0KHAREL 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 KHAREL BR., GUJARAT 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.

Working hours

Branch counters at Kharel Br., 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 BARB0KHAREL continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC BARB0KHAREL for Bank of Baroda – KHAREL BR., GUJARAT, 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

Final notes

To recap: BARB0KHAREL is the IFSC code of Bank of Baroda, KHAREL BR., GUJARAT branch, in KHAREL, GUJARAT. 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.