IFSC Code of Bank of Baroda, Kumarganj,Dist Faizabad Branch, Uttar Pradesh

This page lists the IFSC code, branch address, contact number and fund-transfer information for Bank of Baroda, KUMARGANJ,DIST FAIZABAD branch in MILKIPUR. The 11-digit IFSC BARB0KUMARG uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Bank of Baroda at the KUMARGANJ,DIST FAIZABAD location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.

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, BARB0KUMARG is the IFSC of Bank of Baroda's KUMARGANJ,DIST FAIZABAD branch. The format is fixed: BARB = bank code, 0 = reserved, KUMARG = branch identifier.

About the bank

Bank of Baroda serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Kumarganj,Dist Faizabad branch in Milkipur, Uttar Pradesh is part of this network and uses the IFSC code BARB0KUMARG for all electronic settlement.

Kumarganj,Dist Faizabad branch overview

Located at KUMARGANJ,TEHSIL MILKIPUR,DT.FAIZABAD,PIN-224229. (U.P.), the Kumarganj,Dist Faizabad branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC BARB0KUMARG is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

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 KUMARGANJ,DIST FAIZABAD branch came to be assigned the code BARB0KUMARG.

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 BARB0KUMARG, money simply cannot be routed to the KUMARGANJ,DIST FAIZABAD branch electronically.

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 BARB0KUMARG and the account number together uniquely identify the Kumarganj,Dist Faizabad branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC BARB0KUMARG

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 BARB0KUMARG across all three.

How to use IFSC BARB0KUMARG for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Bank of Baroda's KUMARGANJ,DIST FAIZABAD 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).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC BARB0KUMARG.
4. Confirm the bank name auto-populates as Bank of Baroda and the branch as KUMARGANJ,DIST FAIZABAD.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC BARB0KUMARG

RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to Bank of Baroda – KUMARGANJ,DIST FAIZABAD, ensure your bank's portal accepts IFSC BARB0KUMARG while registering the beneficiary. RTGS is also available 24x7.

IMPS to Bank of Baroda KUMARGANJ,DIST FAIZABAD (IFSC BARB0KUMARG)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BARB0KUMARG in your mobile or internet banking app, and the money is credited to the KUMARGANJ,DIST FAIZABAD branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Kumarganj,Dist Faizabad

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 BARB0KUMARG:

• 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 KUMARGANJ,DIST FAIZABAD is still linked to IFSC BARB0KUMARG.

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 BARB0KUMARG

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 – KUMARGANJ,DIST FAIZABAD is still mapped to IFSC BARB0KUMARG. 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 BARB0KUMARG and the beneficiary's account number to complete the transfer.

Account types you can open at the Kumarganj,Dist Faizabad branch

Once you have an account at Bank of Baroda – KUMARGANJ,DIST FAIZABAD, the IFSC BARB0KUMARG 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 Kumarganj,Dist Faizabad 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 BARB0KUMARG

Online banking and IFSC BARB0KUMARG

Bank of Baroda customers can register for net banking and the bank's official mobile app once their account at the KUMARGANJ,DIST FAIZABAD branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC BARB0KUMARG is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.

Reaching the branch

The Kumarganj,Dist Faizabad branch sits at KUMARGANJ,TEHSIL MILKIPUR,DT.FAIZABAD,PIN-224229. (U.P.). If you are travelling from outside Milkipur, search for the branch on a maps application using the bank name and locality, or call 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 BARB0KUMARG 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 – KUMARGANJ,DIST FAIZABAD:

• The IFSC is exactly BARB0KUMARG 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 KUMARGANJ,DIST FAIZABAD 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.

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 Kumarganj,Dist Faizabad branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BARB0KUMARG, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC BARB0KUMARG for Bank of Baroda – KUMARGANJ,DIST FAIZABAD, 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 address & contact

Frequently asked questions

Final notes

To recap: BARB0KUMARG is the IFSC code of Bank of Baroda, KUMARGANJ,DIST FAIZABAD branch, in MILKIPUR, UTTAR PRADESH. 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.