This page lists the IFSC code, branch address, contact number and fund-transfer information for Bank of Baroda, WILLINGDON ISLAND branch in KOCHI. The 11-digit IFSC BARB0VJWILL 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 WILLINGDON ISLAND 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.
An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.
For Bank of Baroda's WILLINGDON ISLAND branch, the IFSC BARB0VJWILL breaks down as follows: BARB identifies the bank, 0 is the reserved character, and VJWILL identifies this particular branch.
About the bank
Bank of Baroda serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Willingdon Island branch in Kochi, Kerala is part of this network and uses the IFSC code BARB0VJWILL for all electronic settlement.
Branch details at a glance
| Bank Name | Bank of Baroda |
|---|---|
| Branch | Willingdon Island |
| IFSC Code | BARB0VJWILL |
| MICR Code | Refer to cheque leaf |
| Branch Address | TEEPEEYEM CENTRE , NEAR AIYAPPA TEMPLE , NAVAL ROAD , KOCHI , 682003 |
| City | Kochi |
| District | Ernakulam |
| State | Kerala |
| STD Code | 22 |
| Phone | 1800223344 |
About this branch
The branch is located at TEEPEEYEM CENTRE , NEAR AIYAPPA TEMPLE , NAVAL ROAD , KOCHI , 682003. It serves the Kochi 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 BARB0VJWILL 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 WILLINGDON ISLAND branch came to be assigned the code BARB0VJWILL.
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 BARB0VJWILL, money simply cannot be routed to the WILLINGDON ISLAND branch electronically.
Products and account variants supported
Every account opened at the Willingdon Island branch is mapped to IFSC BARB0VJWILL 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 BARB0VJWILL.
Products and services
Customers walking into the Willingdon Island 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 BARB0VJWILL
How to transfer money using IFSC BARB0VJWILL
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 BARB0VJWILL across all three.
NEFT to Bank of Baroda, WILLINGDON ISLAND using IFSC BARB0VJWILL
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 BARB0VJWILL, and confirm that the system picks up Bank of Baroda – WILLINGDON ISLAND. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC BARB0VJWILL
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 – WILLINGDON ISLAND, ensure your bank's portal accepts IFSC BARB0VJWILL while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Bank of Baroda – WILLINGDON ISLAND, use IMPS. With IFSC BARB0VJWILL 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 Willingdon Island
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 BARB0VJWILL:
- 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 WILLINGDON ISLAND is still linked to IFSC BARB0VJWILL.
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 WILLINGDON ISLAND branch, the IFSC BARB0VJWILL 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.
Digital banking channels
Most day-to-day work that customers used to do at the Willingdon Island 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 BARB0VJWILL 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.
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 BARB0VJWILL and the account number together uniquely identify the Willingdon Island branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Common mistakes to avoid when using IFSC BARB0VJWILL
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 – WILLINGDON ISLAND, 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:
BARB0VJWILL. - 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.
Reaching the branch
The Willingdon Island branch sits at TEEPEEYEM CENTRE , NEAR AIYAPPA TEMPLE , NAVAL ROAD , KOCHI , 682003. If you are travelling from outside Kochi, 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 BARB0VJWILL and your account number.
Verifying IFSC BARB0VJWILL 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 BARB0VJWILL by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 22-1800223344.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Willingdon Island 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 BARB0VJWILL continue to work without interruption.
Branch address & contact
Bank of BarodaWillingdon Island Branch
TEEPEEYEM CENTRE , NEAR AIYAPPA TEMPLE , NAVAL ROAD , KOCHI , 682003
Kochi, Kerala
Phone: 22-1800223344
IFSC: BARB0VJWILL
Frequently asked questions
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Willingdon Island branch but serve different purposes.
Can I use IFSC BARB0VJWILL for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC BARB0VJWILL to send funds instantly.
Is IFSC BARB0VJWILL valid for NEFT and RTGS?
Yes. IFSC BARB0VJWILL is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is Bank of Baroda Willingdon Island branch located?
Bank of Baroda's Willingdon Island branch is located at TEEPEEYEM CENTRE , NEAR AIYAPPA TEMPLE , NAVAL ROAD , KOCHI , 682003, Kochi, Kerala.
How do I add Bank of Baroda Willingdon Island as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC BARB0VJWILL, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC BARB0VJWILL the same for all accounts at Willingdon Island branch?
Yes. The IFSC BARB0VJWILL is shared by every account held at Bank of Baroda's Willingdon Island branch. Only the account number changes from customer to customer.
Summary
The IFSC code BARB0VJWILL belongs to Bank of Baroda's WILLINGDON ISLAND branch, located at TEEPEEYEM CENTRE , NEAR AIYAPPA TEMPLE , NAVAL ROAD , KOCHI , 682003 in KOCHI, 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.
