Use this page as a one-stop reference for everything related to Bank of Baroda's KUMBHASHI branch in KUMBASHI, KARNATAKA. The branch's IFSC code BARB0VJKMBH 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 KUMBHASHI branch, the IFSC BARB0VJKMBH breaks down as follows: BARB identifies the bank, 0 is the reserved character, and VJKMBH identifies this particular branch.
About Bank of Baroda
Bank of Baroda operates a wide network of branches across India, including the Kumbhashi branch in Kumbashi. 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, BARB0VJKMBH.
About this branch
The branch is located at GROUND FLOOR, GAYATRI COMPLEX, , NEAR SWAGATH GOPURA, N H 66, , KUMBHASHI, KUNDAPUR TALUK , KUMBHASHI , 576257. It serves the Kumbashi 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 BARB0VJKMBH is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | Bank of Baroda |
|---|---|
| Branch | Kumbhashi |
| IFSC Code | BARB0VJKMBH |
| MICR Code | Refer to cheque leaf |
| Branch Address | GROUND FLOOR, GAYATRI COMPLEX, , NEAR SWAGATH GOPURA, N H 66, , KUMBHASHI, KUNDAPUR TALUK , KUMBHASHI , 576257 |
| City | Kumbashi |
| District | Udipi |
| State | Karnataka |
| STD Code | 22 |
| Phone | 1800223344 |
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 KUMBHASHI branch came to be assigned the code BARB0VJKMBH.
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 BARB0VJKMBH, money simply cannot be routed to the KUMBHASHI branch electronically.
MICR & cheque-truncation details
Cheques drawn on the Kumbhashi branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC BARB0VJKMBH for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
How to transfer money using IFSC BARB0VJKMBH
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 BARB0VJKMBH across all three.
NEFT to Bank of Baroda, KUMBHASHI using IFSC BARB0VJKMBH
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 BARB0VJKMBH, and confirm that the system picks up Bank of Baroda – KUMBHASHI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to KUMBHASHI
If you need to transfer ₹2 lakh or more in one go to an account at Bank of Baroda's KUMBHASHI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BARB0VJKMBH 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 – KUMBHASHI, use IMPS. With IFSC BARB0VJKMBH 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 BARB0VJKMBH for Bank of Baroda – KUMBHASHI, 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – BARB0VJKMBH | Yes – BARB0VJKMBH | Yes – BARB0VJKMBH |
For most retail customers crediting the Kumbhashi 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 BARB0VJKMBH
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 – KUMBHASHI is still mapped to IFSC BARB0VJKMBH. 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 BARB0VJKMBH and the beneficiary's account number to complete the transfer.
Account types you can open at the Kumbhashi branch
Once you have an account at Bank of Baroda – KUMBHASHI, the IFSC BARB0VJKMBH 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 Kumbhashi 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 BARB0VJKMBH
Digital banking channels
Most day-to-day work that customers used to do at the Kumbhashi 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 BARB0VJKMBH 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.
Reaching the branch
The Kumbhashi branch sits at GROUND FLOOR, GAYATRI COMPLEX, , NEAR SWAGATH GOPURA, N H 66, , KUMBHASHI, KUNDAPUR TALUK , KUMBHASHI , 576257. If you are travelling from outside Kumbashi, 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 BARB0VJKMBH 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 – KUMBHASHI:
- The IFSC is exactly BARB0VJKMBH 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 KUMBHASHI 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 Kumbhashi 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 BARB0VJKMBH continue to work without interruption.
Verifying IFSC BARB0VJKMBH 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 BARB0VJKMBH 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
Bank of BarodaKumbhashi Branch
GROUND FLOOR, GAYATRI COMPLEX, , NEAR SWAGATH GOPURA, N H 66, , KUMBHASHI, KUNDAPUR TALUK , KUMBHASHI , 576257
Kumbashi, Karnataka
Phone: 22-1800223344
IFSC: BARB0VJKMBH
Frequently asked questions
Is IFSC BARB0VJKMBH valid for NEFT and RTGS?
Yes. IFSC BARB0VJKMBH is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is Bank of Baroda Kumbhashi branch located?
Bank of Baroda's Kumbhashi branch is located at GROUND FLOOR, GAYATRI COMPLEX, , NEAR SWAGATH GOPURA, N H 66, , KUMBHASHI, KUNDAPUR TALUK , KUMBHASHI , 576257, Kumbashi, Karnataka.
Is IFSC BARB0VJKMBH the same for all accounts at Kumbhashi branch?
Yes. The IFSC BARB0VJKMBH is shared by every account held at Bank of Baroda's Kumbhashi branch. Only the account number changes from customer to customer.
What is the phone number of Bank of Baroda Kumbhashi branch?
You can reach the branch at 22-1800223344 during regular banking hours.
How quickly will an NEFT transfer using BARB0VJKMBH be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Bank of Baroda – Kumbhashi reflect within 30 minutes.
Does Bank of Baroda Kumbhashi branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 22-1800223344 to confirm.
Can I use IFSC BARB0VJKMBH for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC BARB0VJKMBH to send funds instantly.
Final notes
To recap: BARB0VJKMBH is the IFSC code of Bank of Baroda, KUMBHASHI branch, in KUMBASHI, KARNATAKA. 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.
