IFSC Code of Bank of Baroda, Kharupetia Branch, Assam

Below are the complete branch details for Bank of Baroda, KHARUPETIA branch, located in KHARUPETIA, ASSAM. The IFSC assigned by the Reserve Bank of India to this branch is BARB0VJKHDA. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case BARB0VJKHDA for Bank of Baroda – KHARUPETIA — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 – KHARUPETIA is BARB0VJKHDA. The first four letters BARB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters VJKHDA map to this branch in KHARUPETIA, ASSAM.

Bank profile

Bank of Baroda is among the recognised banks listed on the Reserve Bank of India's payments network. The Kharupetia branch — IFSC BARB0VJKHDA — extends the bank's services to customers in and around Kharupetia, Assam.

About the Kharupetia branch

The Kharupetia branch of Bank of Baroda is situated at VIJAYA BANK KHARUPETIA, , WARD NO.3, NT ROAD, , KHARUPETIA, DARRANG, , KHARUPETIA , 784115. 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 BARB0VJKHDA is used.

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 KHARUPETIA branch came to be assigned the code BARB0VJKHDA.

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 BARB0VJKHDA, money simply cannot be routed to the KHARUPETIA branch electronically.

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 BARB0VJKHDA and the account number together uniquely identify the Kharupetia branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC BARB0VJKHDA

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 BARB0VJKHDA across all three.

How to use IFSC BARB0VJKHDA for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Bank of Baroda's KHARUPETIA 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 BARB0VJKHDA.
4. Confirm the bank name auto-populates as Bank of Baroda and the branch as KHARUPETIA.
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 KHARUPETIA

If you need to transfer ₹2 lakh or more in one go to an account at Bank of Baroda's KHARUPETIA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BARB0VJKHDA 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 – KHARUPETIA, use IMPS. With IFSC BARB0VJKHDA and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

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

All three modes accept the IFSC BARB0VJKHDA for Bank of Baroda – KHARUPETIA, 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 Kharupetia 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 KHARUPETIA branch, the IFSC BARB0VJKHDA 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 Kharupetia branch

Once you have an account at Bank of Baroda – KHARUPETIA, the IFSC BARB0VJKHDA 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 Kharupetia branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 22-1800223344.

• 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 BARB0VJKHDA

Online banking and IFSC BARB0VJKHDA

Bank of Baroda customers can register for net banking and the bank's official mobile app once their account at the KHARUPETIA 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 BARB0VJKHDA 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.

Reaching the branch

The Kharupetia branch sits at VIJAYA BANK KHARUPETIA, , WARD NO.3, NT ROAD, , KHARUPETIA, DARRANG, , KHARUPETIA , 784115. If you are travelling from outside Kharupetia, 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 BARB0VJKHDA and your account number.

Common mistakes to avoid when using IFSC BARB0VJKHDA

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 – KHARUPETIA, 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: BARB0VJKHDA.
• 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 Kharupetia 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 BARB0VJKHDA continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC BARB0VJKHDA for Bank of Baroda – KHARUPETIA, 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 BARB0VJKHDA belongs to Bank of Baroda's KHARUPETIA branch, located at VIJAYA BANK KHARUPETIA, , WARD NO.3, NT ROAD, , KHARUPETIA, DARRANG, ,… in KHARUPETIA, ASSAM. 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.