IFSC Code of Bank of Baroda, Gandhi Chowk, Raipur Branch, Chandigarh

This page lists the IFSC code, branch address, contact number and fund-transfer information for Bank of Baroda, GANDHI CHOWK, RAIPUR branch in RAIPUR. The 11-digit IFSC BARB0GANRAI 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 GANDHI CHOWK, RAIPUR 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 – GANDHI CHOWK, RAIPUR is BARB0GANRAI. The first four letters BARB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters GANRAI map to this branch in RAIPUR, CHANDIGARH.

Branch details at a glance

About Bank of Baroda

Bank of Baroda operates a wide network of branches across India, including the Gandhi Chowk, Raipur branch in Raipur. 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, BARB0GANRAI.

About the Gandhi Chowk, Raipur branch

The Gandhi Chowk, Raipur branch of Bank of Baroda is situated at GROUND FLOOR, LAXMI PLAZA, GANDHI CHOWK, RAIPUR, CHHATISGARH - 492 001. 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 BARB0GANRAI is used.

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 GANDHI CHOWK, RAIPUR of Bank of Baroda — its own 11-character IFSC. The code BARB0GANRAI 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 BARB0GANRAI the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC BARB0GANRAI

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 BARB0GANRAI across all three.

How to use IFSC BARB0GANRAI for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Bank of Baroda's GANDHI CHOWK, RAIPUR branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC BARB0GANRAI.
4. Confirm the bank name auto-populates as Bank of Baroda and the branch as GANDHI CHOWK, RAIPUR.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to GANDHI CHOWK, RAIPUR

If you need to transfer ₹2 lakh or more in one go to an account at Bank of Baroda's GANDHI CHOWK, RAIPUR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BARB0GANRAI while initiating the transfer and the credit will appear within minutes.

IMPS to Bank of Baroda GANDHI CHOWK, RAIPUR (IFSC BARB0GANRAI)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BARB0GANRAI in your mobile or internet banking app, and the money is credited to the GANDHI CHOWK, RAIPUR branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Gandhi Chowk, Raipur

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 BARB0GANRAI:

• 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 GANDHI CHOWK, RAIPUR is still linked to IFSC BARB0GANRAI.

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 GANDHI CHOWK, RAIPUR branch, the IFSC BARB0GANRAI 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.

Account types you can open at the Gandhi Chowk, Raipur branch

Once you have an account at Bank of Baroda – GANDHI CHOWK, RAIPUR, the IFSC BARB0GANRAI 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.

Banking services available

The Gandhi Chowk, Raipur branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 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 BARB0GANRAI

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 BARB0GANRAI and the account number together uniquely identify the Gandhi Chowk, Raipur branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Digital banking channels

Most day-to-day work that customers used to do at the Gandhi Chowk, Raipur 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 BARB0GANRAI 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 – GANDHI CHOWK, RAIPUR:

• The IFSC is exactly BARB0GANRAI 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 GANDHI CHOWK, RAIPUR 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 Gandhi Chowk, Raipur branch sits at GROUND FLOOR, LAXMI PLAZA, GANDHI CHOWK, RAIPUR, CHHATISGARH - 492 001. If you are travelling from outside Raipur, 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 BARB0GANRAI and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC BARB0GANRAI for Bank of Baroda – GANDHI CHOWK, RAIPUR, 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 Gandhi Chowk, Raipur branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BARB0GANRAI, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code BARB0GANRAI belongs to Bank of Baroda's GANDHI CHOWK, RAIPUR branch, located at GROUND FLOOR, LAXMI PLAZA, GANDHI CHOWK, RAIPUR, CHHATISGARH - 492 001 in RAIPUR, CHANDIGARH. 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.