If you are searching for the IFSC code of Bank of Baroda, KHARGHAR,NAVI MUMBAI branch in RAIGAD, MAHARASHTRA, this page has every detail you need. The verified IFSC code for this branch is BARB0DBKGAR. 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 KHARGHAR,NAVI MUMBAI branch, and detailed step-by-step guides for using the IFSC BARB0DBKGAR 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 KHARGHAR,NAVI MUMBAI branch, the IFSC BARB0DBKGAR breaks down as follows: BARB identifies the bank, 0 is the reserved character, and DBKGAR identifies this particular branch.
Branch details at a glance
| Bank Name | Bank of Baroda |
|---|---|
| Branch | Kharghar,Navi Mumbai |
| IFSC Code | BARB0DBKGAR |
| MICR Code | Refer to cheque leaf |
| Branch Address | SAI COOPERATIVE HSG SOCIETYPLOT NO F84SECTOR 12KHARGHAR MUMBAI RAIGAD MAHARASHTRA 410210 |
| City | Raigad |
| District | Raigad |
| State | Maharashtra |
| STD Code | 22 |
| Phone | 1800223344 |
About the bank
Bank of Baroda serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Kharghar,Navi Mumbai branch in Raigad, Maharashtra is part of this network and uses the IFSC code BARB0DBKGAR for all electronic settlement.
About this branch
The branch is located at SAI COOPERATIVE HSG SOCIETYPLOT NO F84SECTOR 12KHARGHAR MUMBAI RAIGAD MAHARASHTRA 410210. It serves the Raigad 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 BARB0DBKGAR is used to identify this branch on the RBI payments network.
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 KHARGHAR,NAVI MUMBAI branch came to be assigned the code BARB0DBKGAR.
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 BARB0DBKGAR, money simply cannot be routed to the KHARGHAR,NAVI MUMBAI branch electronically.
How to transfer money using IFSC BARB0DBKGAR
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 BARB0DBKGAR across all three.
NEFT to Bank of Baroda, KHARGHAR,NAVI MUMBAI using IFSC BARB0DBKGAR
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 BARB0DBKGAR, and confirm that the system picks up Bank of Baroda – KHARGHAR,NAVI MUMBAI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC BARB0DBKGAR
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 – KHARGHAR,NAVI MUMBAI, ensure your bank's portal accepts IFSC BARB0DBKGAR while registering the beneficiary. RTGS is also available 24x7.
IMPS to Bank of Baroda KHARGHAR,NAVI MUMBAI (IFSC BARB0DBKGAR)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BARB0DBKGAR in your mobile or internet banking app, and the money is credited to the KHARGHAR,NAVI MUMBAI branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC BARB0DBKGAR for Bank of Baroda – KHARGHAR,NAVI MUMBAI, 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 – BARB0DBKGAR | Yes – BARB0DBKGAR | Yes – BARB0DBKGAR |
For most retail customers crediting the Kharghar,Navi Mumbai 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 BARB0DBKGAR
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 – KHARGHAR,NAVI MUMBAI is still mapped to IFSC BARB0DBKGAR. 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 BARB0DBKGAR and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Kharghar,Navi Mumbai branch is mapped to IFSC BARB0DBKGAR 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 BARB0DBKGAR.
Banking services available
The Kharghar,Navi Mumbai branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 22-1800223344.
- Savings, current and salary accounts
- Fixed deposits and recurring deposits
- Personal, vehicle and home loans
- Demat and investment products (where supported)
- Internet banking and mobile banking enrolment
- Debit and credit card issuance
- Locker facilities (subject to availability)
- Foreign exchange services (at authorised branches)
- Bill payments, demand drafts and pay orders
- NEFT / RTGS / IMPS / UPI fund transfers using IFSC BARB0DBKGAR
MICR & cheque-truncation details
Cheques drawn on the Kharghar,Navi Mumbai branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC BARB0DBKGAR for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Digital banking channels
Most day-to-day work that customers used to do at the Kharghar,Navi Mumbai branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC BARB0DBKGAR is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.
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 – KHARGHAR,NAVI MUMBAI:
- The IFSC is exactly BARB0DBKGAR 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 KHARGHAR,NAVI MUMBAI 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 Kharghar,Navi Mumbai branch
The branch is located at SAI COOPERATIVE HSG SOCIETYPLOT NO F84SECTOR 12KHARGHAR MUMBAI RAIGAD MAHARASHTRA 410210, which puts it inside Raigad, the broader Raigad district, and the state of Maharashtra. To plan your visit:
- Open Google Maps on your phone and search for “Bank of Baroda Kharghar,Navi Mumbai branch” — the verified location pin for IFSC BARB0DBKGAR should appear at the top of the results.
- Confirm the branch is open by calling 22-1800223344 before stepping out, especially around public holidays.
- 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 BARB0DBKGAR and your account number.
Verifying IFSC BARB0DBKGAR 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 BARB0DBKGAR 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.
Working hours
Branch counters at Kharghar,Navi Mumbai 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 BARB0DBKGAR continue to work without interruption.
Branch address & contact
Bank of BarodaKharghar,Navi Mumbai Branch
SAI COOPERATIVE HSG SOCIETYPLOT NO F84SECTOR 12KHARGHAR MUMBAI RAIGAD MAHARASHTRA 410210
Raigad, Maharashtra
Phone: 22-1800223344
IFSC: BARB0DBKGAR
Frequently asked questions
Where is Bank of Baroda Kharghar,Navi Mumbai branch located?
Bank of Baroda's Kharghar,Navi Mumbai branch is located at SAI COOPERATIVE HSG SOCIETYPLOT NO F84SECTOR 12KHARGHAR MUMBAI RAIGAD MAHARASHTRA 410210, Raigad, Maharashtra.
What is the phone number of Bank of Baroda Kharghar,Navi Mumbai branch?
You can reach the branch at 22-1800223344 during regular banking hours.
Is IFSC BARB0DBKGAR the same for all accounts at Kharghar,Navi Mumbai branch?
Yes. The IFSC BARB0DBKGAR is shared by every account held at Bank of Baroda's Kharghar,Navi Mumbai branch. Only the account number changes from customer to customer.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Kharghar,Navi Mumbai branch but serve different purposes.
Is IFSC BARB0DBKGAR valid for NEFT and RTGS?
Yes. IFSC BARB0DBKGAR is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the IFSC code of Bank of Baroda Kharghar,Navi Mumbai branch?
The IFSC code of Bank of Baroda, Kharghar,Navi Mumbai branch is BARB0DBKGAR. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Can I use IFSC BARB0DBKGAR for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC BARB0DBKGAR to send funds instantly.
How do I add Bank of Baroda Kharghar,Navi Mumbai as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC BARB0DBKGAR, and complete OTP verification. Once activated, you can transfer funds at any time.
Final notes
To recap: BARB0DBKGAR is the IFSC code of Bank of Baroda, KHARGHAR,NAVI MUMBAI branch, in RAIGAD, MAHARASHTRA. 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.
More Articles for IFSC Code
IFSC Code of Zila Sahakri Bank Limited Ghaziabad, Loni Branch, Uttar Pradesh
