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

This page lists the IFSC code, branch address, contact number and fund-transfer information for Bank of Baroda, LOHIYANAGAR, BIHAR branch in PATNA. The 11-digit IFSC BARB0LOHIYA 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 LOHIYANAGAR, BIHAR 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.

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 – LOHIYANAGAR, BIHAR is BARB0LOHIYA. The first four letters BARB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters LOHIYA map to this branch in PATNA, BIHAR.

Bank profile

Bank of Baroda is among the recognised banks listed on the Reserve Bank of India's payments network. The Lohiyanagar, Bihar branch — IFSC BARB0LOHIYA — extends the bank's services to customers in and around Patna, Bihar.

Branch details at a glance

About the Lohiyanagar, Bihar branch

The Lohiyanagar, Bihar branch of Bank of Baroda is situated at LOHIYA NAGAR,PC COLONY,NEAR SHALIMAR SWEETS,KANKARBAGH,DIST PATNA,BIHAR - 800020.. 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 BARB0LOHIYA 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 LOHIYANAGAR, BIHAR branch came to be assigned the code BARB0LOHIYA.

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 BARB0LOHIYA, money simply cannot be routed to the LOHIYANAGAR, BIHAR branch electronically.

Account types you can open at the Lohiyanagar, Bihar branch

Once you have an account at Bank of Baroda – LOHIYANAGAR, BIHAR, the IFSC BARB0LOHIYA 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 Lohiyanagar, 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 BARB0LOHIYA

How to transfer money using IFSC BARB0LOHIYA

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 BARB0LOHIYA across all three.

NEFT to Bank of Baroda, LOHIYANAGAR, BIHAR using IFSC BARB0LOHIYA

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 BARB0LOHIYA, and confirm that the system picks up Bank of Baroda – LOHIYANAGAR, BIHAR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to LOHIYANAGAR, BIHAR

If you need to transfer ₹2 lakh or more in one go to an account at Bank of Baroda's LOHIYANAGAR, BIHAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BARB0LOHIYA 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 – LOHIYANAGAR, BIHAR, use IMPS. With IFSC BARB0LOHIYA 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 Lohiyanagar, 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 BARB0LOHIYA:

• 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 LOHIYANAGAR, BIHAR is still linked to IFSC BARB0LOHIYA.

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 BARB0LOHIYA

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 – LOHIYANAGAR, BIHAR is still mapped to IFSC BARB0LOHIYA. 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 BARB0LOHIYA and the beneficiary's account number to complete the transfer.

Online banking and IFSC BARB0LOHIYA

Bank of Baroda customers can register for net banking and the bank's official mobile app once their account at the LOHIYANAGAR, 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 BARB0LOHIYA 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 Lohiyanagar, Bihar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC BARB0LOHIYA for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Common mistakes to avoid when using IFSC BARB0LOHIYA

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 – LOHIYANAGAR, 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: BARB0LOHIYA.
• 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 Lohiyanagar, Bihar branch sits at LOHIYA NAGAR,PC COLONY,NEAR SHALIMAR SWEETS,KANKARBAGH,DIST PATNA,BIHAR - 800020.. If you are travelling from outside Patna, 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 BARB0LOHIYA and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC BARB0LOHIYA for Bank of Baroda – LOHIYANAGAR, 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 Lohiyanagar, Bihar branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BARB0LOHIYA, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: BARB0LOHIYA is the IFSC code of Bank of Baroda, LOHIYANAGAR, BIHAR branch, in PATNA, BIHAR. 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.