Use this page as a one-stop reference for everything related to Bank of Baroda's PAYANGADI branch in MADAYI, KERALA. The branch's IFSC code BARB0VJPAYA 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 PAYANGADI branch, the IFSC BARB0VJPAYA breaks down as follows: BARB identifies the bank, 0 is the reserved character, and VJPAYA identifies this particular branch.
Branch details at a glance
| Bank Name | Bank of Baroda |
|---|---|
| Branch | Payangadi |
| IFSC Code | BARB0VJPAYA |
| MICR Code | Refer to cheque leaf |
| Branch Address | VIJAYA BANK PAYANGADI, NO.498B , OPP. REGISTRAR OFFICE,ERIPURAM , PAYANGADI PO, KANNUR , PAYANGADI , 670303 |
| City | Madayi |
| District | Kannur |
| State | Kerala |
| STD Code | 22 |
| Phone | 1800223344 |
About the bank
Bank of Baroda serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Payangadi branch in Madayi, Kerala is part of this network and uses the IFSC code BARB0VJPAYA for all electronic settlement.
About the Payangadi branch
The Payangadi branch of Bank of Baroda is situated at VIJAYA BANK PAYANGADI, NO.498B , OPP. REGISTRAR OFFICE,ERIPURAM , PAYANGADI PO, KANNUR , PAYANGADI , 670303. 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 BARB0VJPAYA 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 PAYANGADI of Bank of Baroda — its own 11-character IFSC. The code BARB0VJPAYA 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 BARB0VJPAYA the same way you would treat your account number — verify it once and save it carefully for future use.
How to transfer money using IFSC BARB0VJPAYA
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 BARB0VJPAYA across all three.
How to use IFSC BARB0VJPAYA for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Bank of Baroda's PAYANGADI 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC BARB0VJPAYA.
- Confirm the bank name auto-populates as Bank of Baroda and the branch as PAYANGADI.
- 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 PAYANGADI
If you need to transfer ₹2 lakh or more in one go to an account at Bank of Baroda's PAYANGADI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BARB0VJPAYA 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 – PAYANGADI, use IMPS. With IFSC BARB0VJPAYA 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 BARB0VJPAYA for Bank of Baroda – PAYANGADI, 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 – BARB0VJPAYA | Yes – BARB0VJPAYA | Yes – BARB0VJPAYA |
For most retail customers crediting the Payangadi 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 PAYANGADI branch, the IFSC BARB0VJPAYA 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.
Account types you can open at the Payangadi branch
Once you have an account at Bank of Baroda – PAYANGADI, the IFSC BARB0VJPAYA 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 Payangadi 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 BARB0VJPAYA
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 BARB0VJPAYA and the account number together uniquely identify the Payangadi 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 Payangadi 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 BARB0VJPAYA 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.
Common mistakes to avoid when using IFSC BARB0VJPAYA
An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to Bank of Baroda – PAYANGADI, double-check for these issues:
- Confusing 0 with O. The fifth character of every IFSC is the digit
0, not the letter O. Read carefully. - Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters:
BARB0VJPAYA. - Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
- Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
- Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.
How to reach the Payangadi branch
The branch is located at VIJAYA BANK PAYANGADI, NO.498B , OPP. REGISTRAR OFFICE,ERIPURAM , PAYANGADI PO, KANNUR , PAYANGADI , 670303, which puts it inside Madayi, the broader Kannur district, and the state of Kerala. To plan your visit:
- Open Google Maps on your phone and search for “Bank of Baroda Payangadi branch” — the verified location pin for IFSC BARB0VJPAYA should appear at the top of the results.
- Confirm the branch is open by calling 22-1800223344 before stepping out, especially around public holidays.
- 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 BARB0VJPAYA and your account number.
Verifying IFSC BARB0VJPAYA 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 BARB0VJPAYA 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.
Working hours
Branch counters at Payangadi 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 BARB0VJPAYA continue to work without interruption.
Branch address & contact
Bank of BarodaPayangadi Branch
VIJAYA BANK PAYANGADI, NO.498B , OPP. REGISTRAR OFFICE,ERIPURAM , PAYANGADI PO, KANNUR , PAYANGADI , 670303
Madayi, Kerala
Phone: 22-1800223344
IFSC: BARB0VJPAYA
Frequently asked questions
How do I add Bank of Baroda Payangadi as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC BARB0VJPAYA, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the phone number of Bank of Baroda Payangadi branch?
You can reach the branch at 22-1800223344 during regular banking hours.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Payangadi branch but serve different purposes.
Is IFSC BARB0VJPAYA valid for NEFT and RTGS?
Yes. IFSC BARB0VJPAYA is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Does Bank of Baroda Payangadi branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 22-1800223344 to confirm.
Where is Bank of Baroda Payangadi branch located?
Bank of Baroda's Payangadi branch is located at VIJAYA BANK PAYANGADI, NO.498B , OPP. REGISTRAR OFFICE,ERIPURAM , PAYANGADI PO, KANNUR , PAYANGADI , 670303, Madayi, Kerala.
Summary
The IFSC code BARB0VJPAYA belongs to Bank of Baroda's PAYANGADI branch, located at VIJAYA BANK PAYANGADI, NO.498B , OPP. REGISTRAR OFFICE,ERIPURAM , PAYANGADI… in MADAYI, 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.
