IFSC Code of Bank of Baroda, Polibetta Branch, Karnataka

Below are the complete branch details for Bank of Baroda, POLIBETTA branch, located in MEKUR HOSAKERI, KARNATAKA. The IFSC assigned by the Reserve Bank of India to this branch is BARB0VJPOLI. 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 BARB0VJPOLI for Bank of Baroda – POLIBETTA — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for Bank of Baroda – POLIBETTA is BARB0VJPOLI. The first four letters BARB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters VJPOLI map to this branch in MEKUR HOSAKERI, KARNATAKA.

Bank profile

Bank of Baroda is among the recognised banks listed on the Reserve Bank of India's payments network. The Polibetta branch — IFSC BARB0VJPOLI — extends the bank's services to customers in and around Mekur Hosakeri, Karnataka.

Branch details at a glance

About the Polibetta branch

The Polibetta branch of Bank of Baroda is situated at POLIBETTA , VIRAJPET TALUK , KODAGU DIST , POLIBETTA , 571215. 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 BARB0VJPOLI is used.

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 POLIBETTA branch came to be assigned the code BARB0VJPOLI.

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 BARB0VJPOLI, money simply cannot be routed to the POLIBETTA branch electronically.

Products and account variants supported

Every account opened at the Polibetta branch is mapped to IFSC BARB0VJPOLI 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 BARB0VJPOLI.

Products and services

Customers walking into the Polibetta 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 BARB0VJPOLI

How to transfer money using IFSC BARB0VJPOLI

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 BARB0VJPOLI across all three.

NEFT to Bank of Baroda, POLIBETTA using IFSC BARB0VJPOLI

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 BARB0VJPOLI, and confirm that the system picks up Bank of Baroda – POLIBETTA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to POLIBETTA

If you need to transfer ₹2 lakh or more in one go to an account at Bank of Baroda's POLIBETTA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BARB0VJPOLI while initiating the transfer and the credit will appear within minutes.

IMPS to Bank of Baroda POLIBETTA (IFSC BARB0VJPOLI)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BARB0VJPOLI in your mobile or internet banking app, and the money is credited to the POLIBETTA branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Polibetta

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 BARB0VJPOLI:

• 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 POLIBETTA is still linked to IFSC BARB0VJPOLI.

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 BARB0VJPOLI

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 – POLIBETTA is still mapped to IFSC BARB0VJPOLI. 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 BARB0VJPOLI and the beneficiary's account number to complete the transfer.

Digital banking channels

Most day-to-day work that customers used to do at the Polibetta 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 BARB0VJPOLI 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 Polibetta branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC BARB0VJPOLI 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 – POLIBETTA:

• The IFSC is exactly BARB0VJPOLI 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 POLIBETTA 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.

Reaching the branch

The Polibetta branch sits at POLIBETTA , VIRAJPET TALUK , KODAGU DIST , POLIBETTA , 571215. If you are travelling from outside Mekur Hosakeri, 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 BARB0VJPOLI and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC BARB0VJPOLI for Bank of Baroda – POLIBETTA, 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 Polibetta 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 BARB0VJPOLI continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: BARB0VJPOLI is the IFSC code of Bank of Baroda, POLIBETTA branch, in MEKUR HOSAKERI, 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.