IFSC Code of Bank of Baroda, Panchmahua, Up Branch, Uttar Pradesh

Below are the complete branch details for Bank of Baroda, PANCHMAHUA, UP branch, located in PRATAPGARH, UTTAR PRADESH. The IFSC assigned by the Reserve Bank of India to this branch is BARB0PANCHM. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case BARB0PANCHM for Bank of Baroda – PANCHMAHUA, UP — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 – PANCHMAHUA, UP is BARB0PANCHM. The first four letters BARB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters PANCHM map to this branch in PRATAPGARH, UTTAR PRADESH.

Bank profile

Bank of Baroda is among the recognised banks listed on the Reserve Bank of India's payments network. The Panchmahua, Up branch — IFSC BARB0PANCHM — extends the bank's services to customers in and around Pratapgarh, Uttar Pradesh.

About this branch

The branch is located at PANCHMAHUA, PRATAPGARH, UP - 230201. It serves the Pratapgarh region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Bank of Baroda. The IFSC BARB0PANCHM is used to identify this branch on the RBI payments network.

Branch details at a glance

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 PANCHMAHUA, UP of Bank of Baroda — its own 11-character IFSC. The code BARB0PANCHM 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 BARB0PANCHM the same way you would treat your account number — verify it once and save it carefully for future use.

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 BARB0PANCHM and the account number together uniquely identify the Panchmahua, Up branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC BARB0PANCHM

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 BARB0PANCHM across all three.

NEFT to Bank of Baroda, PANCHMAHUA, UP using IFSC BARB0PANCHM

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 BARB0PANCHM, and confirm that the system picks up Bank of Baroda – PANCHMAHUA, UP. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC BARB0PANCHM

RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to Bank of Baroda – PANCHMAHUA, UP, ensure your bank's portal accepts IFSC BARB0PANCHM while registering the beneficiary. RTGS is also available 24x7.

IMPS to Bank of Baroda PANCHMAHUA, UP (IFSC BARB0PANCHM)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BARB0PANCHM in your mobile or internet banking app, and the money is credited to the PANCHMAHUA, UP branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Panchmahua, Up

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 BARB0PANCHM:

• 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 PANCHMAHUA, UP is still linked to IFSC BARB0PANCHM.

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 PANCHMAHUA, UP branch, the IFSC BARB0PANCHM 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.

Products and account variants supported

Every account opened at the Panchmahua, Up branch is mapped to IFSC BARB0PANCHM 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 BARB0PANCHM.

Products and services

Customers walking into the Panchmahua, Up 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 BARB0PANCHM

Online banking and IFSC BARB0PANCHM

Bank of Baroda customers can register for net banking and the bank's official mobile app once their account at the PANCHMAHUA, UP 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 BARB0PANCHM 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.

Reaching the branch

The Panchmahua, Up branch sits at PANCHMAHUA, PRATAPGARH, UP - 230201. If you are travelling from outside Pratapgarh, 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 BARB0PANCHM and your account number.

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 – PANCHMAHUA, UP:

• The IFSC is exactly BARB0PANCHM 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 PANCHMAHUA, UP 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.

Working hours

Branch counters at Panchmahua, Up 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 BARB0PANCHM continue to work without interruption.

Verifying IFSC BARB0PANCHM 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 BARB0PANCHM by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 1800223344.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Final notes

To recap: BARB0PANCHM is the IFSC code of Bank of Baroda, PANCHMAHUA, UP branch, in PRATAPGARH, UTTAR PRADESH. 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.