IFSC Code of Bank of Baroda, Raghavan Swamy Memorial Bldg. Branch, Kerala

Below are the complete branch details for Bank of Baroda, RAGHAVAN SWAMY MEMORIAL BLDG. branch, located in KOTTARAKKARA, KERALA. The IFSC assigned by the Reserve Bank of India to this branch is BARB0KOTTAR. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case BARB0KOTTAR for Bank of Baroda – RAGHAVAN SWAMY MEMORIAL BLDG. — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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, BARB0KOTTAR is the IFSC of Bank of Baroda's RAGHAVAN SWAMY MEMORIAL BLDG. branch. The format is fixed: BARB = bank code, 0 = reserved, KOTTAR = branch identifier.

Branch details at a glance

About Bank of Baroda

Bank of Baroda operates a wide network of branches across India, including the Raghavan Swamy Memorial Bldg. branch in Kottarakkara. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, BARB0KOTTAR.

About this branch

The branch is located at RAGHAVAN SWAMY MEMORIAL BLDG., Q.S. ROAD, PULAMON P O , KOTTARAKKARA DIST.KOLLAM, 691531, KERALA. It serves the Kottarakkara region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Bank of Baroda. The IFSC BARB0KOTTAR is used to identify this branch on the RBI payments network.

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 RAGHAVAN SWAMY MEMORIAL BLDG. branch came to be assigned the code BARB0KOTTAR.

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 BARB0KOTTAR, money simply cannot be routed to the RAGHAVAN SWAMY MEMORIAL BLDG. branch electronically.

How to transfer money using IFSC BARB0KOTTAR

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 BARB0KOTTAR across all three.

NEFT to Bank of Baroda, RAGHAVAN SWAMY MEMORIAL BLDG. using IFSC BARB0KOTTAR

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 BARB0KOTTAR, and confirm that the system picks up Bank of Baroda – RAGHAVAN SWAMY MEMORIAL BLDG.. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to RAGHAVAN SWAMY MEMORIAL BLDG.

If you need to transfer ₹2 lakh or more in one go to an account at Bank of Baroda's RAGHAVAN SWAMY MEMORIAL BLDG. branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BARB0KOTTAR while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Bank of Baroda – RAGHAVAN SWAMY MEMORIAL BLDG., use IMPS. With IFSC BARB0KOTTAR and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

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

All three modes accept the IFSC BARB0KOTTAR for Bank of Baroda – RAGHAVAN SWAMY MEMORIAL BLDG., 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 Raghavan Swamy Memorial Bldg. 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 RAGHAVAN SWAMY MEMORIAL BLDG. branch, the IFSC BARB0KOTTAR 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 Raghavan Swamy Memorial Bldg. branch is mapped to IFSC BARB0KOTTAR 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 BARB0KOTTAR.

Banking services available

The Raghavan Swamy Memorial Bldg. branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 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 BARB0KOTTAR

MICR & cheque-truncation details

Cheques drawn on the Raghavan Swamy Memorial Bldg. branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC BARB0KOTTAR for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Digital banking channels

Most day-to-day work that customers used to do at the Raghavan Swamy Memorial Bldg. 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 BARB0KOTTAR 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 – RAGHAVAN SWAMY MEMORIAL BLDG.:

• The IFSC is exactly BARB0KOTTAR 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 RAGHAVAN SWAMY MEMORIAL BLDG. 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 Raghavan Swamy Memorial Bldg. branch

The branch is located at RAGHAVAN SWAMY MEMORIAL BLDG., Q.S. ROAD, PULAMON P O , KOTTARAKKARA DIST.KOLLAM, 691531, KERALA, which puts it inside Kottarakkara, the broader Kollam district, and the state of Kerala. To plan your visit:

1. Open Google Maps on your phone and search for “Bank of Baroda Raghavan Swamy Memorial Bldg. branch” — the verified location pin for IFSC BARB0KOTTAR 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 BARB0KOTTAR and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC BARB0KOTTAR for Bank of Baroda – RAGHAVAN SWAMY MEMORIAL BLDG., 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.

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 Raghavan Swamy Memorial Bldg. branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BARB0KOTTAR, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code BARB0KOTTAR belongs to Bank of Baroda's RAGHAVAN SWAMY MEMORIAL BLDG. branch, located at RAGHAVAN SWAMY MEMORIAL BLDG., Q.S. ROAD, PULAMON P O , KOTTARAKKARA… in KOTTARAKKARA, KERALA. 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.