This page lists the IFSC code, branch address, contact number and fund-transfer information for Bank of Baroda, PONDICHERY-RAGACOVAS branch in PUDUCHERRY. The 11-digit IFSC BARB0VJRAJI 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 PONDICHERY-RAGACOVAS 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 – PONDICHERY-RAGACOVAS is BARB0VJRAJI. The first four letters BARB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters VJRAJI map to this branch in PUDUCHERRY, PUDUCHERRY.
About Bank of Baroda
Bank of Baroda operates a wide network of branches across India, including the Pondichery-Ragacovas branch in Puducherry. 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, BARB0VJRAJI.
About this branch
The branch is located at NO.101, VIJAYA BANK, RAGACOVAS COMPLEX, , OPP GOTHI INDUSTRIAL ESTATE, VAZHUDAVUR ROAD, , KURUMBAPET , PONDICHERRY , 605009. It serves the Puducherry 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 BARB0VJRAJI is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | Bank of Baroda |
|---|---|
| Branch | Pondichery-Ragacovas |
| IFSC Code | BARB0VJRAJI |
| MICR Code | Refer to cheque leaf |
| Branch Address | NO.101, VIJAYA BANK, RAGACOVAS COMPLEX, , OPP GOTHI INDUSTRIAL ESTATE, VAZHUDAVUR ROAD, , KURUMBAPET , PONDICHERRY , 605009 |
| City | Puducherry |
| District | Puducherry |
| State | Puducherry |
| STD Code | 22 |
| Phone | 1800223344 |
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 PONDICHERY-RAGACOVAS branch came to be assigned the code BARB0VJRAJI.
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 BARB0VJRAJI, money simply cannot be routed to the PONDICHERY-RAGACOVAS branch electronically.
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 BARB0VJRAJI and the account number together uniquely identify the Pondichery-Ragacovas branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC BARB0VJRAJI
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 BARB0VJRAJI across all three.
NEFT to Bank of Baroda, PONDICHERY-RAGACOVAS using IFSC BARB0VJRAJI
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 BARB0VJRAJI, and confirm that the system picks up Bank of Baroda – PONDICHERY-RAGACOVAS. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC BARB0VJRAJI
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 – PONDICHERY-RAGACOVAS, ensure your bank's portal accepts IFSC BARB0VJRAJI while registering the beneficiary. RTGS is also available 24x7.
IMPS to Bank of Baroda PONDICHERY-RAGACOVAS (IFSC BARB0VJRAJI)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BARB0VJRAJI in your mobile or internet banking app, and the money is credited to the PONDICHERY-RAGACOVAS branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC BARB0VJRAJI for Bank of Baroda – PONDICHERY-RAGACOVAS, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – BARB0VJRAJI | Yes – BARB0VJRAJI | Yes – BARB0VJRAJI |
For most retail customers crediting the Pondichery-Ragacovas branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.
UPI payments and IFSC BARB0VJRAJI
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 – PONDICHERY-RAGACOVAS is still mapped to IFSC BARB0VJRAJI. 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 BARB0VJRAJI and the beneficiary's account number to complete the transfer.
Account types you can open at the Pondichery-Ragacovas branch
Once you have an account at Bank of Baroda – PONDICHERY-RAGACOVAS, the IFSC BARB0VJRAJI 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 Pondichery-Ragacovas 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 BARB0VJRAJI
Online banking and IFSC BARB0VJRAJI
Bank of Baroda customers can register for net banking and the bank's official mobile app once their account at the PONDICHERY-RAGACOVAS 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 BARB0VJRAJI 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 Pondichery-Ragacovas branch sits at NO.101, VIJAYA BANK, RAGACOVAS COMPLEX, , OPP GOTHI INDUSTRIAL ESTATE, VAZHUDAVUR ROAD, , KURUMBAPET , PONDICHERRY , 605009. If you are travelling from outside Puducherry, search for the branch on a maps application using the bank name and locality, or call 22-1800223344 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 BARB0VJRAJI and your account number.
Common mistakes to avoid when using IFSC BARB0VJRAJI
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 – PONDICHERY-RAGACOVAS, 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:
BARB0VJRAJI. - 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.
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 Pondichery-Ragacovas branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BARB0VJRAJI, however, work 24x7.
Verifying IFSC BARB0VJRAJI 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 BARB0VJRAJI 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 address & contact
Bank of BarodaPondichery-Ragacovas Branch
NO.101, VIJAYA BANK, RAGACOVAS COMPLEX, , OPP GOTHI INDUSTRIAL ESTATE, VAZHUDAVUR ROAD, , KURUMBAPET , PONDICHERRY , 605009
Puducherry, Puducherry
Phone: 22-1800223344
IFSC: BARB0VJRAJI
Frequently asked questions
How do I add Bank of Baroda Pondichery-Ragacovas as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC BARB0VJRAJI, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using BARB0VJRAJI be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Bank of Baroda – Pondichery-Ragacovas reflect within 30 minutes.
Is IFSC BARB0VJRAJI valid for NEFT and RTGS?
Yes. IFSC BARB0VJRAJI is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the IFSC code of Bank of Baroda Pondichery-Ragacovas branch?
The IFSC code of Bank of Baroda, Pondichery-Ragacovas branch is BARB0VJRAJI. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Where is Bank of Baroda Pondichery-Ragacovas branch located?
Bank of Baroda's Pondichery-Ragacovas branch is located at NO.101, VIJAYA BANK, RAGACOVAS COMPLEX, , OPP GOTHI INDUSTRIAL ESTATE, VAZHUDAVUR ROAD, , KURUMBAPET , PONDICHERRY , 605009, Puducherry, Puducherry.
Is IFSC BARB0VJRAJI the same for all accounts at Pondichery-Ragacovas branch?
Yes. The IFSC BARB0VJRAJI is shared by every account held at Bank of Baroda's Pondichery-Ragacovas branch. Only the account number changes from customer to customer.
Summary
The IFSC code BARB0VJRAJI belongs to Bank of Baroda's PONDICHERY-RAGACOVAS branch, located at NO.101, VIJAYA BANK, RAGACOVAS COMPLEX, , OPP GOTHI INDUSTRIAL ESTATE,… in PUDUCHERRY, PUDUCHERRY. 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.
