IFSC Code of Bank of Baroda, Bhagchuri Branch, Uttarakhand

This page lists the IFSC code, branch address, contact number and fund-transfer information for Bank of Baroda, BHAGCHURI branch in KHATIMA. The 11-digit IFSC BARB0BHAGCH 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 BHAGCHURI 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.

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 – BHAGCHURI is BARB0BHAGCH. The first four letters BARB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters BHAGCH map to this branch in KHATIMA, UTTARAKHAND.

Branch details at a glance

Bank profile

Bank of Baroda is among the recognised banks listed on the Reserve Bank of India's payments network. The Bhagchuri branch — IFSC BARB0BHAGCH — extends the bank's services to customers in and around Khatima, Uttarakhand.

About this branch

The branch is located at VILL BHAGCHURI,PO NAUSAR,17TH MILESTONE,KHATIMA- PILIBHIT HIGHWAY,UTTARAKHAND 262308. It serves the Khatima 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 BARB0BHAGCH is used to identify this branch on the RBI payments network.

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 BHAGCHURI branch came to be assigned the code BARB0BHAGCH.

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 BARB0BHAGCH, money simply cannot be routed to the BHAGCHURI branch electronically.

How to transfer money using IFSC BARB0BHAGCH

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 BARB0BHAGCH across all three.

NEFT to Bank of Baroda, BHAGCHURI using IFSC BARB0BHAGCH

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 BARB0BHAGCH, and confirm that the system picks up Bank of Baroda – BHAGCHURI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to BHAGCHURI

If you need to transfer ₹2 lakh or more in one go to an account at Bank of Baroda's BHAGCHURI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BARB0BHAGCH while initiating the transfer and the credit will appear within minutes.

IMPS to Bank of Baroda BHAGCHURI (IFSC BARB0BHAGCH)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BARB0BHAGCH in your mobile or internet banking app, and the money is credited to the BHAGCHURI branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Bhagchuri

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 BARB0BHAGCH:

• 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 BHAGCHURI is still linked to IFSC BARB0BHAGCH.

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.

UPI payments and IFSC BARB0BHAGCH

UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at Bank of Baroda – BHAGCHURI is still mapped to IFSC BARB0BHAGCH. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.

If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC BARB0BHAGCH and the beneficiary's account number to complete the transfer.

Account types you can open at the Bhagchuri branch

Once you have an account at Bank of Baroda – BHAGCHURI, the IFSC BARB0BHAGCH 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 Bhagchuri 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 BARB0BHAGCH

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 BARB0BHAGCH and the account number together uniquely identify the Bhagchuri branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC BARB0BHAGCH

Bank of Baroda customers can register for net banking and the bank's official mobile app once their account at the BHAGCHURI 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 BARB0BHAGCH 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.

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 – BHAGCHURI:

• The IFSC is exactly BARB0BHAGCH 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 BHAGCHURI 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.

Reaching the branch

The Bhagchuri branch sits at VILL BHAGCHURI,PO NAUSAR,17TH MILESTONE,KHATIMA- PILIBHIT HIGHWAY,UTTARAKHAND 262308. If you are travelling from outside Khatima, 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 BARB0BHAGCH and your account number.

Verifying IFSC BARB0BHAGCH 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 BARB0BHAGCH 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 Bhagchuri 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 BARB0BHAGCH continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code BARB0BHAGCH belongs to Bank of Baroda's BHAGCHURI branch, located at VILL BHAGCHURI,PO NAUSAR,17TH MILESTONE,KHATIMA- PILIBHIT HIGHWAY,UTTARAKHAND … in KHATIMA, UTTARAKHAND. 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.