IFSC Code of Bank of Baroda, Kotharia, Dist Rajkot Branch, Gujarat

This page lists the IFSC code, branch address, contact number and fund-transfer information for Bank of Baroda, KOTHARIA, DIST RAJKOT branch in KOTHARIYA. The 11-digit IFSC BARB0KOTHAR 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 KOTHARIA, DIST RAJKOT 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 KOTHARIA, DIST RAJKOT branch, the IFSC BARB0KOTHAR breaks down as follows: BARB identifies the bank, 0 is the reserved character, and KOTHAR identifies this particular branch.

Bank profile

Bank of Baroda is among the recognised banks listed on the Reserve Bank of India's payments network. The Kotharia, Dist Rajkot branch — IFSC BARB0KOTHAR — extends the bank's services to customers in and around Kothariya, Gujarat.

Kotharia, Dist Rajkot branch overview

Located at KUMBERDHAM BAZAR, KOTHARIA, RAJKOT, GUJARAT - 360 002, the Kotharia, Dist Rajkot branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC BARB0KOTHAR is required for all interbank electronic transfers routed through this branch.

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 KOTHARIA, DIST RAJKOT branch came to be assigned the code BARB0KOTHAR.

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 BARB0KOTHAR, money simply cannot be routed to the KOTHARIA, DIST RAJKOT 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 BARB0KOTHAR and the account number together uniquely identify the Kotharia, Dist Rajkot branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC BARB0KOTHAR

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 BARB0KOTHAR across all three.

How to use IFSC BARB0KOTHAR for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Bank of Baroda's KOTHARIA, DIST RAJKOT 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 BARB0KOTHAR.
4. Confirm the bank name auto-populates as Bank of Baroda and the branch as KOTHARIA, DIST RAJKOT.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC BARB0KOTHAR

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 – KOTHARIA, DIST RAJKOT, ensure your bank's portal accepts IFSC BARB0KOTHAR while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Bank of Baroda – KOTHARIA, DIST RAJKOT, use IMPS. With IFSC BARB0KOTHAR 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 Kotharia, Dist Rajkot

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 BARB0KOTHAR:

• 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 KOTHARIA, DIST RAJKOT is still linked to IFSC BARB0KOTHAR.

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 BARB0KOTHAR

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 – KOTHARIA, DIST RAJKOT is still mapped to IFSC BARB0KOTHAR. 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 BARB0KOTHAR and the beneficiary's account number to complete the transfer.

Account types you can open at the Kotharia, Dist Rajkot branch

Once you have an account at Bank of Baroda – KOTHARIA, DIST RAJKOT, the IFSC BARB0KOTHAR 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.

Products and services

Customers walking into the Kotharia, Dist Rajkot 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 BARB0KOTHAR

Online banking and IFSC BARB0KOTHAR

Bank of Baroda customers can register for net banking and the bank's official mobile app once their account at the KOTHARIA, DIST RAJKOT 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 BARB0KOTHAR 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.

How to reach the Kotharia, Dist Rajkot branch

The branch is located at KUMBERDHAM BAZAR, KOTHARIA, RAJKOT, GUJARAT - 360 002, which puts it inside Kothariya, the broader Rajkot district, and the state of Gujarat. To plan your visit:

1. Open Google Maps on your phone and search for “Bank of Baroda Kotharia, Dist Rajkot branch” — the verified location pin for IFSC BARB0KOTHAR should appear at the top of the results.
2. Confirm the branch is open by calling 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 BARB0KOTHAR 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 – KOTHARIA, DIST RAJKOT:

• The IFSC is exactly BARB0KOTHAR 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 KOTHARIA, DIST RAJKOT 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.

Working hours

Branch counters at Kotharia, Dist Rajkot 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 BARB0KOTHAR continue to work without interruption.

Verifying IFSC BARB0KOTHAR 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 BARB0KOTHAR 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

Frequently asked questions

Summary

The IFSC code BARB0KOTHAR belongs to Bank of Baroda's KOTHARIA, DIST RAJKOT branch, located at KUMBERDHAM BAZAR, KOTHARIA, RAJKOT, GUJARAT - 360 002 in KOTHARIYA, GUJARAT. 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.