IFSC Code of Bank of Baroda, Retail Asset Branch Kolkata Branch, West Bengal

This page lists the IFSC code, branch address, contact number and fund-transfer information for Bank of Baroda, RETAIL ASSET BRANCH KOLKATA branch in KOLKATA. The 11-digit IFSC BARB0DBTCOL 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 RETAIL ASSET BRANCH KOLKATA 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 – RETAIL ASSET BRANCH KOLKATA is BARB0DBTCOL. The first four letters BARB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters DBTCOL map to this branch in KOLKATA, WEST BENGAL.

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 Retail Asset Branch Kolkata branch — IFSC BARB0DBTCOL — extends the bank's services to customers in and around Kolkata, West Bengal.

About the Retail Asset Branch Kolkata branch

The Retail Asset Branch Kolkata branch of Bank of Baroda is situated at 109D ASHUTOSH MUKHERJEE ROADBHOWANIPUR KOLKATA KOLKATA WEST BENGAL 700025. 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 BARB0DBTCOL 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 RETAIL ASSET BRANCH KOLKATA branch came to be assigned the code BARB0DBTCOL.

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 BARB0DBTCOL, money simply cannot be routed to the RETAIL ASSET BRANCH KOLKATA branch electronically.

How to transfer money using IFSC BARB0DBTCOL

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 BARB0DBTCOL across all three.

How to use IFSC BARB0DBTCOL for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Bank of Baroda's RETAIL ASSET BRANCH KOLKATA 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).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC BARB0DBTCOL.
4. Confirm the bank name auto-populates as Bank of Baroda and the branch as RETAIL ASSET BRANCH KOLKATA.
5. 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 RETAIL ASSET BRANCH KOLKATA

If you need to transfer ₹2 lakh or more in one go to an account at Bank of Baroda's RETAIL ASSET BRANCH KOLKATA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BARB0DBTCOL while initiating the transfer and the credit will appear within minutes.

IMPS to Bank of Baroda RETAIL ASSET BRANCH KOLKATA (IFSC BARB0DBTCOL)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BARB0DBTCOL in your mobile or internet banking app, and the money is credited to the RETAIL ASSET BRANCH KOLKATA branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC BARB0DBTCOL for Bank of Baroda – RETAIL ASSET BRANCH KOLKATA, 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.

For most retail customers crediting the Retail Asset Branch Kolkata 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.

UPI payments and IFSC BARB0DBTCOL

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 – RETAIL ASSET BRANCH KOLKATA is still mapped to IFSC BARB0DBTCOL. 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 BARB0DBTCOL and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Retail Asset Branch Kolkata branch is mapped to IFSC BARB0DBTCOL 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 BARB0DBTCOL.

Banking services available

The Retail Asset Branch Kolkata 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 BARB0DBTCOL

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 BARB0DBTCOL and the account number together uniquely identify the Retail Asset Branch Kolkata branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Digital banking channels

Most day-to-day work that customers used to do at the Retail Asset Branch Kolkata 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 BARB0DBTCOL 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.

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 – RETAIL ASSET BRANCH KOLKATA:

• The IFSC is exactly BARB0DBTCOL 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 RETAIL ASSET BRANCH KOLKATA 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.

How to reach the Retail Asset Branch Kolkata branch

The branch is located at 109D ASHUTOSH MUKHERJEE ROADBHOWANIPUR KOLKATA KOLKATA WEST BENGAL 700025, which puts it inside Kolkata, the broader Kolkata district, and the state of West Bengal. To plan your visit:

1. Open Google Maps on your phone and search for “Bank of Baroda Retail Asset Branch Kolkata branch” — the verified location pin for IFSC BARB0DBTCOL should appear at the top of the results.
2. Confirm the branch is open by calling 22-1800223344 before stepping out, especially around public holidays.
3. 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 BARB0DBTCOL and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC BARB0DBTCOL for Bank of Baroda – RETAIL ASSET BRANCH KOLKATA, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

Working hours

Branch counters at Retail Asset Branch Kolkata 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 BARB0DBTCOL continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code BARB0DBTCOL belongs to Bank of Baroda's RETAIL ASSET BRANCH KOLKATA branch, located at 109D ASHUTOSH MUKHERJEE ROADBHOWANIPUR KOLKATA KOLKATA WEST BENGAL 700025 in KOLKATA, WEST BENGAL. 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.