This page lists the IFSC code, branch address, contact number and fund-transfer information for Bank of Baroda, RUIKAR COLONY branch in KOLHAPUR. The 11-digit IFSC BARB0RUIKAR 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 RUIKAR COLONY 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, BARB0RUIKAR is the IFSC of Bank of Baroda's RUIKAR COLONY branch. The format is fixed: BARB = bank code, 0 = reserved, RUIKAR = branch identifier.
Bank profile
Bank of Baroda is among the recognised banks listed on the Reserve Bank of India's payments network. The Ruikar Colony branch — IFSC BARB0RUIKAR — extends the bank's services to customers in and around Kolhapur, Maharashtra.
About the Ruikar Colony branch
The Ruikar Colony branch of Bank of Baroda is situated at GROUND FLOOR,PLOT NO A1, CTS,E WARD,RUIKAR C,KOLHAPUR,MAHARASHTRA 416005. 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 BARB0RUIKAR is used.
Branch details at a glance
| Bank Name | Bank of Baroda |
|---|---|
| Branch | Ruikar Colony |
| IFSC Code | BARB0RUIKAR |
| MICR Code | Refer to cheque leaf |
| Branch Address | GROUND FLOOR,PLOT NO A1, CTS,E WARD,RUIKAR C,KOLHAPUR,MAHARASHTRA 416005 |
| City | Kolhapur |
| District | Kolhapur |
| State | Maharashtra |
| Phone | 1800223344 |
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 RUIKAR COLONY branch came to be assigned the code BARB0RUIKAR.
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 BARB0RUIKAR, money simply cannot be routed to the RUIKAR COLONY branch electronically.
MICR & cheque-truncation details
Cheques drawn on the Ruikar Colony branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC BARB0RUIKAR 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 BARB0RUIKAR
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 BARB0RUIKAR across all three.
How to use IFSC BARB0RUIKAR for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Bank of Baroda's RUIKAR COLONY 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC BARB0RUIKAR.
- Confirm the bank name auto-populates as Bank of Baroda and the branch as RUIKAR COLONY.
- 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 RUIKAR COLONY
If you need to transfer ₹2 lakh or more in one go to an account at Bank of Baroda's RUIKAR COLONY branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BARB0RUIKAR while initiating the transfer and the credit will appear within minutes.
IMPS to Bank of Baroda RUIKAR COLONY (IFSC BARB0RUIKAR)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BARB0RUIKAR in your mobile or internet banking app, and the money is credited to the RUIKAR COLONY branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC BARB0RUIKAR for Bank of Baroda – RUIKAR COLONY, 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – BARB0RUIKAR | Yes – BARB0RUIKAR | Yes – BARB0RUIKAR |
For most retail customers crediting the Ruikar Colony 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 RUIKAR COLONY branch, the IFSC BARB0RUIKAR 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.
Products and account variants supported
Every account opened at the Ruikar Colony branch is mapped to IFSC BARB0RUIKAR 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 BARB0RUIKAR.
Products and services
Customers walking into the Ruikar Colony 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 BARB0RUIKAR
Digital banking channels
Most day-to-day work that customers used to do at the Ruikar Colony 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 BARB0RUIKAR 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.
How to reach the Ruikar Colony branch
The branch is located at GROUND FLOOR,PLOT NO A1, CTS,E WARD,RUIKAR C,KOLHAPUR,MAHARASHTRA 416005, which puts it inside Kolhapur, the broader Kolhapur district, and the state of Maharashtra. To plan your visit:
- Open Google Maps on your phone and search for “Bank of Baroda Ruikar Colony branch” — the verified location pin for IFSC BARB0RUIKAR should appear at the top of the results.
- Confirm the branch is open by calling 1800223344 before stepping out, especially around public holidays.
- 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 BARB0RUIKAR 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 – RUIKAR COLONY:
- The IFSC is exactly BARB0RUIKAR 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 RUIKAR COLONY 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.
Branch banking hours and holidays
Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Ruikar Colony branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BARB0RUIKAR, however, work 24x7.
Verifying IFSC BARB0RUIKAR 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 BARB0RUIKAR 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
Bank of BarodaRuikar Colony Branch
GROUND FLOOR,PLOT NO A1, CTS,E WARD,RUIKAR C,KOLHAPUR,MAHARASHTRA 416005
Kolhapur, Maharashtra
Phone: 1800223344
IFSC: BARB0RUIKAR
Frequently asked questions
How do I add Bank of Baroda Ruikar Colony as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC BARB0RUIKAR, and complete OTP verification. Once activated, you can transfer funds at any time.
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 Ruikar Colony branch but serve different purposes.
Can I use IFSC BARB0RUIKAR for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC BARB0RUIKAR to send funds instantly.
Does Bank of Baroda Ruikar Colony branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 1800223344 to confirm.
Where is Bank of Baroda Ruikar Colony branch located?
Bank of Baroda's Ruikar Colony branch is located at GROUND FLOOR,PLOT NO A1, CTS,E WARD,RUIKAR C,KOLHAPUR,MAHARASHTRA 416005, Kolhapur, Maharashtra.
What is the phone number of Bank of Baroda Ruikar Colony branch?
You can reach the branch at 1800223344 during regular banking hours.
Is IFSC BARB0RUIKAR the same for all accounts at Ruikar Colony branch?
Yes. The IFSC BARB0RUIKAR is shared by every account held at Bank of Baroda's Ruikar Colony branch. Only the account number changes from customer to customer.
Final notes
To recap: BARB0RUIKAR is the IFSC code of Bank of Baroda, RUIKAR COLONY branch, in KOLHAPUR, MAHARASHTRA. 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.
