If you are searching for the IFSC code of Bank of Baroda, PALAZHI branch in PALAYAD, KERALA, this page has every detail you need. The verified IFSC code for this branch is BARB0VJPAZH. 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 PALAZHI branch, and detailed step-by-step guides for using the IFSC BARB0VJPAZH 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.
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, BARB0VJPAZH is the IFSC of Bank of Baroda's PALAZHI branch. The format is fixed: BARB = bank code, 0 = reserved, VJPAZH = branch identifier.
About Bank of Baroda
Bank of Baroda operates a wide network of branches across India, including the Palazhi branch in Palayad. 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, BARB0VJPAZH.
Branch details at a glance
| Bank Name | Bank of Baroda |
|---|---|
| Branch | Palazhi |
| IFSC Code | BARB0VJPAZH |
| MICR Code | Refer to cheque leaf |
| Branch Address | KOLATHAYI COMPLEX, PALAZHI PALA ROAD , OPPOSITE HIGH LITE MALL, GURUVAYURAPPAN COLLEGE , POST OFFICE PALAZHI, KOZHIKODE , PALAZHI , 673014 |
| City | Palayad |
| District | Kozhikode |
| State | Kerala |
| STD Code | 22 |
| Phone | 1800223344 |
About the Palazhi branch
The Palazhi branch of Bank of Baroda is situated at KOLATHAYI COMPLEX, PALAZHI PALA ROAD , OPPOSITE HIGH LITE MALL, GURUVAYURAPPAN COLLEGE , POST OFFICE PALAZHI, KOZHIKODE , PALAZHI , 673014. 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 BARB0VJPAZH 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 PALAZHI branch came to be assigned the code BARB0VJPAZH.
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 BARB0VJPAZH, money simply cannot be routed to the PALAZHI branch electronically.
Products and account variants supported
Every account opened at the Palazhi branch is mapped to IFSC BARB0VJPAZH 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 BARB0VJPAZH.
Products and services
Customers walking into the Palazhi 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 BARB0VJPAZH
How to transfer money using IFSC BARB0VJPAZH
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 BARB0VJPAZH across all three.
How to use IFSC BARB0VJPAZH for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Bank of Baroda's PALAZHI 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 BARB0VJPAZH.
- Confirm the bank name auto-populates as Bank of Baroda and the branch as PALAZHI.
- 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 PALAZHI
If you need to transfer ₹2 lakh or more in one go to an account at Bank of Baroda's PALAZHI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BARB0VJPAZH while initiating the transfer and the credit will appear within minutes.
IMPS to Bank of Baroda PALAZHI (IFSC BARB0VJPAZH)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BARB0VJPAZH in your mobile or internet banking app, and the money is credited to the PALAZHI branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Palazhi
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 BARB0VJPAZH:
- 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 PALAZHI is still linked to IFSC BARB0VJPAZH.
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 PALAZHI branch, the IFSC BARB0VJPAZH 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 BARB0VJPAZH
Bank of Baroda customers can register for net banking and the bank's official mobile app once their account at the PALAZHI 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 BARB0VJPAZH 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 & cheque-truncation details
Cheques drawn on the Palazhi branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC BARB0VJPAZH 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 – PALAZHI:
- The IFSC is exactly BARB0VJPAZH 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 PALAZHI 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.
How to reach the Palazhi branch
The branch is located at KOLATHAYI COMPLEX, PALAZHI PALA ROAD , OPPOSITE HIGH LITE MALL, GURUVAYURAPPAN COLLEGE , POST OFFICE PALAZHI, KOZHIKODE , PALAZHI , 673014, which puts it inside Palayad, the broader Kozhikode district, and the state of Kerala. To plan your visit:
- Open Google Maps on your phone and search for “Bank of Baroda Palazhi branch” — the verified location pin for IFSC BARB0VJPAZH 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 BARB0VJPAZH and your account number.
Verifying IFSC BARB0VJPAZH 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 BARB0VJPAZH 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 Palazhi 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 BARB0VJPAZH continue to work without interruption.
Branch address & contact
Bank of BarodaPalazhi Branch
KOLATHAYI COMPLEX, PALAZHI PALA ROAD , OPPOSITE HIGH LITE MALL, GURUVAYURAPPAN COLLEGE , POST OFFICE PALAZHI, KOZHIKODE , PALAZHI , 673014
Palayad, Kerala
Phone: 22-1800223344
IFSC: BARB0VJPAZH
Frequently asked questions
Is IFSC BARB0VJPAZH valid for NEFT and RTGS?
Yes. IFSC BARB0VJPAZH is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Can I use IFSC BARB0VJPAZH for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC BARB0VJPAZH to send funds instantly.
Where is Bank of Baroda Palazhi branch located?
Bank of Baroda's Palazhi branch is located at KOLATHAYI COMPLEX, PALAZHI PALA ROAD , OPPOSITE HIGH LITE MALL, GURUVAYURAPPAN COLLEGE , POST OFFICE PALAZHI, KOZHIKODE , PALAZHI , 673014, Palayad, Kerala.
How quickly will an NEFT transfer using BARB0VJPAZH be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Bank of Baroda – Palazhi reflect within 30 minutes.
What is the IFSC code of Bank of Baroda Palazhi branch?
The IFSC code of Bank of Baroda, Palazhi branch is BARB0VJPAZH. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
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 Palazhi branch but serve different purposes.
What is the phone number of Bank of Baroda Palazhi branch?
You can reach the branch at 22-1800223344 during regular banking hours.
Is IFSC BARB0VJPAZH the same for all accounts at Palazhi branch?
Yes. The IFSC BARB0VJPAZH is shared by every account held at Bank of Baroda's Palazhi branch. Only the account number changes from customer to customer.
Final notes
To recap: BARB0VJPAZH is the IFSC code of Bank of Baroda, PALAZHI branch, in PALAYAD, KERALA. 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.
