IFSC Code of Bank of Baroda, Kathgodam,Nainital Branch, Uttarakhand

If you are searching for the IFSC code of Bank of Baroda, KATHGODAM,NAINITAL branch in NAINITAL, UTTARAKHAND, this page has every detail you need. The verified IFSC code for this branch is BARB0KATHGO. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the KATHGODAM,NAINITAL branch, and detailed step-by-step guides for using the IFSC BARB0KATHGO across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.

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 – KATHGODAM,NAINITAL is BARB0KATHGO. The first four letters BARB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters KATHGO map to this branch in NAINITAL, UTTARAKHAND.

Bank profile

Bank of Baroda is among the recognised banks listed on the Reserve Bank of India's payments network. The Kathgodam,Nainital branch — IFSC BARB0KATHGO — extends the bank's services to customers in and around Nainital, Uttarakhand.

Kathgodam,Nainital branch overview

Located at WARD NO 6,SHEESH MAHAL,ADJOINING TO UTTARANCHAL GRAMIN BANK,KATHGODAM,DIST NAINITAL,UTTARAKHAND 263139., the Kathgodam,Nainital branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC BARB0KATHGO 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 KATHGODAM,NAINITAL branch came to be assigned the code BARB0KATHGO.

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 BARB0KATHGO, money simply cannot be routed to the KATHGODAM,NAINITAL 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 BARB0KATHGO and the account number together uniquely identify the Kathgodam,Nainital branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC BARB0KATHGO

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 BARB0KATHGO across all three.

NEFT to Bank of Baroda, KATHGODAM,NAINITAL using IFSC BARB0KATHGO

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 BARB0KATHGO, and confirm that the system picks up Bank of Baroda – KATHGODAM,NAINITAL. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to KATHGODAM,NAINITAL

If you need to transfer ₹2 lakh or more in one go to an account at Bank of Baroda's KATHGODAM,NAINITAL branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BARB0KATHGO 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 – KATHGODAM,NAINITAL, use IMPS. With IFSC BARB0KATHGO and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Kathgodam,Nainital

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 BARB0KATHGO:

• 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 KATHGODAM,NAINITAL is still linked to IFSC BARB0KATHGO.

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 BARB0KATHGO

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 – KATHGODAM,NAINITAL is still mapped to IFSC BARB0KATHGO. 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 BARB0KATHGO and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Kathgodam,Nainital branch is mapped to IFSC BARB0KATHGO 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 BARB0KATHGO.

Banking services available

The Kathgodam,Nainital branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 1800223344.

• Savings, current and salary accounts
• Fixed deposits and recurring deposits
• Personal, vehicle and home loans
• Demat and investment products (where supported)
• Internet banking and mobile banking enrolment
• Debit and credit card issuance
• Locker facilities (subject to availability)
• Foreign exchange services (at authorised branches)
• Bill payments, demand drafts and pay orders
• NEFT / RTGS / IMPS / UPI fund transfers using IFSC BARB0KATHGO

Digital banking channels

Most day-to-day work that customers used to do at the Kathgodam,Nainital 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 BARB0KATHGO 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 Kathgodam,Nainital branch sits at WARD NO 6,SHEESH MAHAL,ADJOINING TO UTTARANCHAL GRAMIN BANK,KATHGODAM,DIST NAINITAL,UTTARAKHAND 263139.. If you are travelling from outside Nainital, 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 BARB0KATHGO and your account number.

Common mistakes to avoid when using IFSC BARB0KATHGO

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 – KATHGODAM,NAINITAL, 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: BARB0KATHGO.
• 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.

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 Kathgodam,Nainital branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BARB0KATHGO, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC BARB0KATHGO for Bank of Baroda – KATHGODAM,NAINITAL, 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: BARB0KATHGO is the IFSC code of Bank of Baroda, KATHGODAM,NAINITAL branch, in NAINITAL, UTTARAKHAND. 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.