IFSC Code of Bank of Baroda, Pandhi Branch, Chhattisgarh

If you are searching for the IFSC code of Bank of Baroda, PANDHI branch in PANDHI, CHHATTISGARH, this page has every detail you need. The verified IFSC code for this branch is BARB0VJPABI. 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 PANDHI branch, and detailed step-by-step guides for using the IFSC BARB0VJPABI 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.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For Bank of Baroda's PANDHI branch, the IFSC BARB0VJPABI breaks down as follows: BARB identifies the bank, 0 is the reserved character, and VJPABI identifies this particular branch.

Branch details at a glance

Bank profile

Bank of Baroda is among the recognised banks listed on the Reserve Bank of India's payments network. The Pandhi branch — IFSC BARB0VJPABI — extends the bank's services to customers in and around Pandhi, Chhattisgarh.

Pandhi branch overview

Located at PASWAN COMMERCIAL COMPLEX, GATORA ROAD, TEHSIL MASTURI, BILASPUR , PANDHI , 495555, the Pandhi branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC BARB0VJPABI is required for all interbank electronic transfers routed through this branch.

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 PANDHI branch came to be assigned the code BARB0VJPABI.

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 BARB0VJPABI, money simply cannot be routed to the PANDHI branch electronically.

How to transfer money using IFSC BARB0VJPABI

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 BARB0VJPABI across all three.

NEFT to Bank of Baroda, PANDHI using IFSC BARB0VJPABI

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 BARB0VJPABI, and confirm that the system picks up Bank of Baroda – PANDHI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to PANDHI

If you need to transfer ₹2 lakh or more in one go to an account at Bank of Baroda's PANDHI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BARB0VJPABI while initiating the transfer and the credit will appear within minutes.

IMPS to Bank of Baroda PANDHI (IFSC BARB0VJPABI)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BARB0VJPABI in your mobile or internet banking app, and the money is credited to the PANDHI branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Pandhi

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 BARB0VJPABI:

• 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 PANDHI is still linked to IFSC BARB0VJPABI.

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 BARB0VJPABI

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 – PANDHI is still mapped to IFSC BARB0VJPABI. 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 BARB0VJPABI and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Pandhi branch is mapped to IFSC BARB0VJPABI 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 BARB0VJPABI.

Products and services

Customers walking into the Pandhi 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 BARB0VJPABI

MICR & cheque-truncation details

Cheques drawn on the Pandhi branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC BARB0VJPABI for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC BARB0VJPABI

Bank of Baroda customers can register for net banking and the bank's official mobile app once their account at the PANDHI 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 BARB0VJPABI 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.

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 – PANDHI:

• The IFSC is exactly BARB0VJPABI 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 PANDHI 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 Pandhi branch

The branch is located at PASWAN COMMERCIAL COMPLEX, GATORA ROAD, TEHSIL MASTURI, BILASPUR , PANDHI , 495555, which puts it inside Pandhi, the broader Bilaspur district, and the state of Chhattisgarh. To plan your visit:

1. Open Google Maps on your phone and search for “Bank of Baroda Pandhi branch” — the verified location pin for IFSC BARB0VJPABI should appear at the top of the results.
2. Confirm the branch is open by calling 22-1800223344 before stepping out, especially around public holidays.
3. 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 BARB0VJPABI and your account number.

Verifying IFSC BARB0VJPABI 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 BARB0VJPABI 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.

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 Pandhi branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BARB0VJPABI, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code BARB0VJPABI belongs to Bank of Baroda's PANDHI branch, located at PASWAN COMMERCIAL COMPLEX, GATORA ROAD, TEHSIL MASTURI, BILASPUR , PANDHI ,… in PANDHI, CHHATTISGARH. 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.