IFSC Code of Bank of Baroda, Lake Town Branch, West Bengal

Use this page as a one-stop reference for everything related to Bank of Baroda's LAKE TOWN branch in KOLKATA, WEST BENGAL. The branch's IFSC code BARB0VJLAKE 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.

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 – LAKE TOWN is BARB0VJLAKE. The first four letters BARB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters VJLAKE map to this branch in KOLKATA, WEST BENGAL.

Bank profile

Bank of Baroda is among the recognised banks listed on the Reserve Bank of India's payments network. The Lake Town branch — IFSC BARB0VJLAKE — extends the bank's services to customers in and around Kolkata, West Bengal.

About the Lake Town branch

The Lake Town branch of Bank of Baroda is situated at P205,BBLOCK , LAKE TOWN , KOLKATA , KOLKATA , 700089. 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 BARB0VJLAKE 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 LAKE TOWN branch came to be assigned the code BARB0VJLAKE.

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 BARB0VJLAKE, money simply cannot be routed to the LAKE TOWN 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 BARB0VJLAKE and the account number together uniquely identify the Lake Town branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC BARB0VJLAKE

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 BARB0VJLAKE across all three.

NEFT to Bank of Baroda, LAKE TOWN using IFSC BARB0VJLAKE

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 BARB0VJLAKE, and confirm that the system picks up Bank of Baroda – LAKE TOWN. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC BARB0VJLAKE

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 – LAKE TOWN, ensure your bank's portal accepts IFSC BARB0VJLAKE while registering the beneficiary. RTGS is also available 24x7.

IMPS to Bank of Baroda LAKE TOWN (IFSC BARB0VJLAKE)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BARB0VJLAKE in your mobile or internet banking app, and the money is credited to the LAKE TOWN branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Lake Town

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 BARB0VJLAKE:

• 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 LAKE TOWN is still linked to IFSC BARB0VJLAKE.

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 BARB0VJLAKE

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 – LAKE TOWN is still mapped to IFSC BARB0VJLAKE. 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 BARB0VJLAKE and the beneficiary's account number to complete the transfer.

Account types you can open at the Lake Town branch

Once you have an account at Bank of Baroda – LAKE TOWN, the IFSC BARB0VJLAKE 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 Lake Town 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 BARB0VJLAKE

Online banking and IFSC BARB0VJLAKE

Bank of Baroda customers can register for net banking and the bank's official mobile app once their account at the LAKE TOWN 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 BARB0VJLAKE 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 Lake Town branch sits at P205,BBLOCK , LAKE TOWN , KOLKATA , KOLKATA , 700089. If you are travelling from outside Kolkata, 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 BARB0VJLAKE and your account number.

Common mistakes to avoid when using IFSC BARB0VJLAKE

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 – LAKE TOWN, 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: BARB0VJLAKE.
• 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.

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 Lake Town branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BARB0VJLAKE, however, work 24x7.

Verifying IFSC BARB0VJLAKE 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 BARB0VJLAKE 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.

Branch address & contact

Frequently asked questions

Final notes

To recap: BARB0VJLAKE is the IFSC code of Bank of Baroda, LAKE TOWN branch, in KOLKATA, WEST BENGAL. 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.