IFSC Code of Bank of Baroda, Naugachiya Bihar Branch, Bihar

Use this page as a one-stop reference for everything related to Bank of Baroda's NAUGACHIYA BIHAR branch in NAUGACHIYA, BIHAR. The branch's IFSC code BARB0NAUGAC 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.

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, BARB0NAUGAC is the IFSC of Bank of Baroda's NAUGACHIYA BIHAR branch. The format is fixed: BARB = bank code, 0 = reserved, NAUGAC = branch identifier.

About Bank of Baroda

Bank of Baroda operates a wide network of branches across India, including the Naugachiya Bihar branch in Naugachiya. 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, BARB0NAUGAC.

Branch details at a glance

About the Naugachiya Bihar branch

The Naugachiya Bihar branch of Bank of Baroda is situated at OLD NAC ROAD,WARD NO 8,NAGAR PANCHAYAT,NAUGACHIYA BHAGALPUR,NAUGACHIYA, BIHAR 853204. 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 BARB0NAUGAC 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 NAUGACHIYA BIHAR of Bank of Baroda — its own 11-character IFSC. The code BARB0NAUGAC 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 BARB0NAUGAC the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Naugachiya Bihar branch is mapped to IFSC BARB0NAUGAC 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 BARB0NAUGAC.

Products and services

Customers walking into the Naugachiya Bihar 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 BARB0NAUGAC

How to transfer money using IFSC BARB0NAUGAC

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 BARB0NAUGAC across all three.

How to use IFSC BARB0NAUGAC for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Bank of Baroda's NAUGACHIYA BIHAR 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 BARB0NAUGAC.
4. Confirm the bank name auto-populates as Bank of Baroda and the branch as NAUGACHIYA BIHAR.
5. 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 NAUGACHIYA BIHAR

If you need to transfer ₹2 lakh or more in one go to an account at Bank of Baroda's NAUGACHIYA BIHAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BARB0NAUGAC while initiating the transfer and the credit will appear within minutes.

IMPS to Bank of Baroda NAUGACHIYA BIHAR (IFSC BARB0NAUGAC)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BARB0NAUGAC in your mobile or internet banking app, and the money is credited to the NAUGACHIYA BIHAR branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Naugachiya Bihar

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 BARB0NAUGAC:

• 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 NAUGACHIYA BIHAR is still linked to IFSC BARB0NAUGAC.

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.

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 NAUGACHIYA BIHAR branch, the IFSC BARB0NAUGAC 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.

Online banking and IFSC BARB0NAUGAC

Bank of Baroda customers can register for net banking and the bank's official mobile app once their account at the NAUGACHIYA BIHAR 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 BARB0NAUGAC 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.

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 BARB0NAUGAC and the account number together uniquely identify the Naugachiya Bihar branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Common mistakes to avoid when using IFSC BARB0NAUGAC

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 – NAUGACHIYA BIHAR, 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: BARB0NAUGAC.
• 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.

Reaching the branch

The Naugachiya Bihar branch sits at OLD NAC ROAD,WARD NO 8,NAGAR PANCHAYAT,NAUGACHIYA BHAGALPUR,NAUGACHIYA, BIHAR 853204. If you are travelling from outside Naugachiya, 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 BARB0NAUGAC and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC BARB0NAUGAC for Bank of Baroda – NAUGACHIYA BIHAR, 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 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 Naugachiya Bihar branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BARB0NAUGAC, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code BARB0NAUGAC belongs to Bank of Baroda's NAUGACHIYA BIHAR branch, located at OLD NAC ROAD,WARD NO 8,NAGAR PANCHAYAT,NAUGACHIYA BHAGALPUR,NAUGACHIYA, BIHAR … in NAUGACHIYA, BIHAR. 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.