Use this page as a one-stop reference for everything related to Bank of Baroda's SHIVAJI CHOK BRANCH branch in KOLHAPUR, MAHARASHTRA. The branch's IFSC code BARB0SHIKOL is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.
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, BARB0SHIKOL is the IFSC of Bank of Baroda's SHIVAJI CHOK BRANCH branch. The format is fixed: BARB = bank code, 0 = reserved, SHIKOL = branch identifier.
About the bank
Bank of Baroda serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Shivaji Chok Branch branch in Kolhapur, Maharashtra is part of this network and uses the IFSC code BARB0SHIKOL for all electronic settlement.
Branch details at a glance
| Bank Name | Bank of Baroda |
|---|---|
| Branch | Shivaji Chok Branch |
| IFSC Code | BARB0SHIKOL |
| MICR Code | Refer to cheque leaf |
| Branch Address | SHIVAJI CHOK BRANCH,AT & POST KOLHAPUR,KOLHAPUR.,416003 |
| City | Kolhapur |
| District | Kolhapur |
| State | Maharashtra |
| Phone | 1800223344 |
About the Shivaji Chok Branch branch
The Shivaji Chok Branch branch of Bank of Baroda is situated at SHIVAJI CHOK BRANCH,AT & POST KOLHAPUR,KOLHAPUR.,416003. 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 BARB0SHIKOL is used.
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 SHIVAJI CHOK BRANCH branch came to be assigned the code BARB0SHIKOL.
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 BARB0SHIKOL, money simply cannot be routed to the SHIVAJI CHOK BRANCH branch electronically.
Products and account variants supported
Every account opened at the Shivaji Chok Branch branch is mapped to IFSC BARB0SHIKOL 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 BARB0SHIKOL.
Products and services
Customers walking into the Shivaji Chok Branch 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 BARB0SHIKOL
How to transfer money using IFSC BARB0SHIKOL
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 BARB0SHIKOL across all three.
How to use IFSC BARB0SHIKOL for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Bank of Baroda's SHIVAJI CHOK BRANCH 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 BARB0SHIKOL.
- Confirm the bank name auto-populates as Bank of Baroda and the branch as SHIVAJI CHOK BRANCH.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC BARB0SHIKOL
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 – SHIVAJI CHOK BRANCH, ensure your bank's portal accepts IFSC BARB0SHIKOL while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Bank of Baroda – SHIVAJI CHOK BRANCH, use IMPS. With IFSC BARB0SHIKOL 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 Shivaji Chok Branch
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 BARB0SHIKOL:
- 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 SHIVAJI CHOK BRANCH is still linked to IFSC BARB0SHIKOL.
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 BARB0SHIKOL
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 – SHIVAJI CHOK BRANCH is still mapped to IFSC BARB0SHIKOL. 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 BARB0SHIKOL and the beneficiary's account number to complete the transfer.
Online banking and IFSC BARB0SHIKOL
Bank of Baroda customers can register for net banking and the bank's official mobile app once their account at the SHIVAJI CHOK BRANCH 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 BARB0SHIKOL 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.
MICR & cheque-truncation details
Cheques drawn on the Shivaji Chok Branch branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC BARB0SHIKOL for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Common mistakes to avoid when using IFSC BARB0SHIKOL
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 – SHIVAJI CHOK BRANCH, 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:
BARB0SHIKOL. - 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.
How to reach the Shivaji Chok Branch branch
The branch is located at SHIVAJI CHOK BRANCH,AT & POST KOLHAPUR,KOLHAPUR.,416003, 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 Shivaji Chok Branch branch” — the verified location pin for IFSC BARB0SHIKOL 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 BARB0SHIKOL and your account number.
Verifying IFSC BARB0SHIKOL 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 BARB0SHIKOL 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 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 Shivaji Chok Branch branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BARB0SHIKOL, however, work 24x7.
Branch address & contact
Bank of BarodaShivaji Chok Branch Branch
SHIVAJI CHOK BRANCH,AT & POST KOLHAPUR,KOLHAPUR.,416003
Kolhapur, Maharashtra
Phone: 1800223344
IFSC: BARB0SHIKOL
Frequently asked questions
How quickly will an NEFT transfer using BARB0SHIKOL be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Bank of Baroda – Shivaji Chok Branch reflect within 30 minutes.
Is IFSC BARB0SHIKOL valid for NEFT and RTGS?
Yes. IFSC BARB0SHIKOL is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
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 Shivaji Chok Branch branch but serve different purposes.
Is IFSC BARB0SHIKOL the same for all accounts at Shivaji Chok Branch branch?
Yes. The IFSC BARB0SHIKOL is shared by every account held at Bank of Baroda's Shivaji Chok Branch branch. Only the account number changes from customer to customer.
Can I use IFSC BARB0SHIKOL for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC BARB0SHIKOL to send funds instantly.
What is the IFSC code of Bank of Baroda Shivaji Chok Branch branch?
The IFSC code of Bank of Baroda, Shivaji Chok Branch branch is BARB0SHIKOL. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Does Bank of Baroda Shivaji Chok Branch branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 1800223344 to confirm.
Summary
The IFSC code BARB0SHIKOL belongs to Bank of Baroda's SHIVAJI CHOK BRANCH branch, located at SHIVAJI CHOK BRANCH,AT & POST KOLHAPUR,KOLHAPUR.,416003 in KOLHAPUR, MAHARASHTRA. 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.
