IFSC Code of Bank of Baroda, Kouwanipathar Branch, Assam

Use this page as a one-stop reference for everything related to Bank of Baroda's KOUWANIPATHAR branch in KOUWANIPATHAR, ASSAM. The branch's IFSC code BARB0KOUWAN 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.

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 KOUWANIPATHAR branch, the IFSC BARB0KOUWAN breaks down as follows: BARB identifies the bank, 0 is the reserved character, and KOUWAN identifies this particular branch.

About Bank of Baroda

Bank of Baroda operates a wide network of branches across India, including the Kouwanipathar branch in Kouwanipathar. 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, BARB0KOUWAN.

Branch details at a glance

About the Kouwanipathar branch

The Kouwanipathar branch of Bank of Baroda is situated at BANK OF BARODA, KOUWANIPATHAR BRANCH, VILLAGE KOUWANIPATHAR, PO ULTAJAN, PS BOGIJAN, DIST GOLAGHAT, SUB DISTRICT- MORANGI, ASSAM, PIN 785702. 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 BARB0KOUWAN is used.

Why every Bank of Baroda branch has a unique IFSC

Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including KOUWANIPATHAR of Bank of Baroda — its own 11-character IFSC. The code BARB0KOUWAN is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.

Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC BARB0KOUWAN the same way you would treat your account number — verify it once and save it carefully for future use.

Account types you can open at the Kouwanipathar branch

Once you have an account at Bank of Baroda – KOUWANIPATHAR, the IFSC BARB0KOUWAN 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 Kouwanipathar 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 BARB0KOUWAN

How to transfer money using IFSC BARB0KOUWAN

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 BARB0KOUWAN across all three.

NEFT to Bank of Baroda, KOUWANIPATHAR using IFSC BARB0KOUWAN

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 BARB0KOUWAN, and confirm that the system picks up Bank of Baroda – KOUWANIPATHAR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to KOUWANIPATHAR

If you need to transfer ₹2 lakh or more in one go to an account at Bank of Baroda's KOUWANIPATHAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BARB0KOUWAN while initiating the transfer and the credit will appear within minutes.

IMPS to Bank of Baroda KOUWANIPATHAR (IFSC BARB0KOUWAN)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BARB0KOUWAN in your mobile or internet banking app, and the money is credited to the KOUWANIPATHAR branch account within seconds.

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

All three modes accept the IFSC BARB0KOUWAN for Bank of Baroda – KOUWANIPATHAR, 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 Kouwanipathar 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 KOUWANIPATHAR branch, the IFSC BARB0KOUWAN 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.

Digital banking channels

Most day-to-day work that customers used to do at the Kouwanipathar 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 BARB0KOUWAN 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.

MICR & cheque-truncation details

Cheques drawn on the Kouwanipathar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC BARB0KOUWAN for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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 – KOUWANIPATHAR:

• The IFSC is exactly BARB0KOUWAN 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 KOUWANIPATHAR 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 Kouwanipathar branch

The branch is located at BANK OF BARODA, KOUWANIPATHAR BRANCH, VILLAGE KOUWANIPATHAR, PO ULTAJAN, PS BOGIJAN, DIST GOLAGHAT, SUB DISTRICT- MORANGI, ASSAM, PIN 785702, which puts it inside Kouwanipathar, the broader Golaghat district, and the state of Assam. To plan your visit:

1. Open Google Maps on your phone and search for “Bank of Baroda Kouwanipathar branch” — the verified location pin for IFSC BARB0KOUWAN 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 BARB0KOUWAN and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC BARB0KOUWAN for Bank of Baroda – KOUWANIPATHAR, 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 Kouwanipathar 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 BARB0KOUWAN continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: BARB0KOUWAN is the IFSC code of Bank of Baroda, KOUWANIPATHAR branch, in KOUWANIPATHAR, ASSAM. 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.