IFSC Code of Bank of Baroda, Ichalo Branch, Bihar

Below are the complete branch details for Bank of Baroda, ICHALO branch, located in PURNEA, BIHAR. The IFSC assigned by the Reserve Bank of India to this branch is BARB0ICHALO. 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 BARB0ICHALO for Bank of Baroda – ICHALO — 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 – ICHALO is BARB0ICHALO. The first four letters BARB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters ICHALO map to this branch in PURNEA, BIHAR.

Branch details at a glance

About the bank

Bank of Baroda serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Ichalo branch in Purnea, Bihar is part of this network and uses the IFSC code BARB0ICHALO for all electronic settlement.

Ichalo branch overview

Located at VILL ICHALO,PO MOHAMMADIA,DIST PURNEA,ICHALO,BIHAR 854330, the Ichalo branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC BARB0ICHALO 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 ICHALO branch came to be assigned the code BARB0ICHALO.

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 BARB0ICHALO, money simply cannot be routed to the ICHALO branch electronically.

How to transfer money using IFSC BARB0ICHALO

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 BARB0ICHALO across all three.

NEFT to Bank of Baroda, ICHALO using IFSC BARB0ICHALO

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 BARB0ICHALO, and confirm that the system picks up Bank of Baroda – ICHALO. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to ICHALO

If you need to transfer ₹2 lakh or more in one go to an account at Bank of Baroda's ICHALO branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BARB0ICHALO while initiating the transfer and the credit will appear within minutes.

IMPS to Bank of Baroda ICHALO (IFSC BARB0ICHALO)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BARB0ICHALO in your mobile or internet banking app, and the money is credited to the ICHALO branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Ichalo

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 BARB0ICHALO:

• 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 ICHALO is still linked to IFSC BARB0ICHALO.

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 BARB0ICHALO

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 – ICHALO is still mapped to IFSC BARB0ICHALO. 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 BARB0ICHALO and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Ichalo branch is mapped to IFSC BARB0ICHALO 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 BARB0ICHALO.

Products and services

Customers walking into the Ichalo 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 BARB0ICHALO

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 BARB0ICHALO and the account number together uniquely identify the Ichalo branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC BARB0ICHALO

Bank of Baroda customers can register for net banking and the bank's official mobile app once their account at the ICHALO 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 BARB0ICHALO 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 – ICHALO:

• The IFSC is exactly BARB0ICHALO 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 ICHALO 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.

Reaching the branch

The Ichalo branch sits at VILL ICHALO,PO MOHAMMADIA,DIST PURNEA,ICHALO,BIHAR 854330. If you are travelling from outside Purnea, 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 BARB0ICHALO and your account number.

Verifying IFSC BARB0ICHALO 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 BARB0ICHALO 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 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 Ichalo branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BARB0ICHALO, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code BARB0ICHALO belongs to Bank of Baroda's ICHALO branch, located at VILL ICHALO,PO MOHAMMADIA,DIST PURNEA,ICHALO,BIHAR 854330 in PURNEA, BIHAR. 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.