Use this page as a one-stop reference for everything related to Bank of Baroda's RAITHA branch in RAITHA, UTTAR PRADESH. The branch's IFSC code BARB0VJRAIT is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.
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 RAITHA branch, the IFSC BARB0VJRAIT breaks down as follows: BARB identifies the bank, 0 is the reserved character, and VJRAIT identifies this particular branch.
Bank profile
Bank of Baroda is among the recognised banks listed on the Reserve Bank of India's payments network. The Raitha branch — IFSC BARB0VJRAIT — extends the bank's services to customers in and around Raitha, Uttar Pradesh.
Branch details at a glance
| Bank Name | Bank of Baroda |
|---|---|
| Branch | Raitha |
| IFSC Code | BARB0VJRAIT |
| MICR Code | Refer to cheque leaf |
| Branch Address | VIJAYA BANK, RAITHA VILLAGE , TEHSIL BAKSHI KA TALAB , LUCKNOW , RAITHA , 226201 |
| City | Raitha |
| District | Lucknow |
| State | Uttar Pradesh |
| STD Code | 22 |
| Phone | 1800223344 |
About the Raitha branch
The Raitha branch of Bank of Baroda is situated at VIJAYA BANK, RAITHA VILLAGE , TEHSIL BAKSHI KA TALAB , LUCKNOW , RAITHA , 226201. 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 BARB0VJRAIT is used.
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 RAITHA branch came to be assigned the code BARB0VJRAIT.
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 BARB0VJRAIT, money simply cannot be routed to the RAITHA branch electronically.
Account types you can open at the Raitha branch
Once you have an account at Bank of Baroda – RAITHA, the IFSC BARB0VJRAIT 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 Raitha 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 BARB0VJRAIT
How to transfer money using IFSC BARB0VJRAIT
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 BARB0VJRAIT across all three.
How to use IFSC BARB0VJRAIT for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Bank of Baroda's RAITHA 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC BARB0VJRAIT.
- Confirm the bank name auto-populates as Bank of Baroda and the branch as RAITHA.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC BARB0VJRAIT
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 – RAITHA, ensure your bank's portal accepts IFSC BARB0VJRAIT while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Bank of Baroda – RAITHA, use IMPS. With IFSC BARB0VJRAIT and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
Comparing NEFT, RTGS and IMPS for transfers to Raitha
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 BARB0VJRAIT:
- 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 RAITHA is still linked to IFSC BARB0VJRAIT.
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 BARB0VJRAIT
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 – RAITHA is still mapped to IFSC BARB0VJRAIT. 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 BARB0VJRAIT and the beneficiary's account number to complete the transfer.
Online banking and IFSC BARB0VJRAIT
Bank of Baroda customers can register for net banking and the bank's official mobile app once their account at the RAITHA 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 BARB0VJRAIT 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.
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 BARB0VJRAIT and the account number together uniquely identify the Raitha branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
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 – RAITHA:
- The IFSC is exactly BARB0VJRAIT 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 RAITHA 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 Raitha branch sits at VIJAYA BANK, RAITHA VILLAGE , TEHSIL BAKSHI KA TALAB , LUCKNOW , RAITHA , 226201. If you are travelling from outside Raitha, 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 BARB0VJRAIT and your account number.
Verifying IFSC BARB0VJRAIT 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 BARB0VJRAIT 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 Raitha 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 BARB0VJRAIT continue to work without interruption.
Branch address & contact
Bank of BarodaRaitha Branch
VIJAYA BANK, RAITHA VILLAGE , TEHSIL BAKSHI KA TALAB , LUCKNOW , RAITHA , 226201
Raitha, Uttar Pradesh
Phone: 22-1800223344
IFSC: BARB0VJRAIT
Frequently asked questions
How do I add Bank of Baroda Raitha as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC BARB0VJRAIT, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the phone number of Bank of Baroda Raitha branch?
You can reach the branch at 22-1800223344 during regular banking hours.
Can I use IFSC BARB0VJRAIT for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC BARB0VJRAIT to send funds instantly.
Is IFSC BARB0VJRAIT valid for NEFT and RTGS?
Yes. IFSC BARB0VJRAIT is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How quickly will an NEFT transfer using BARB0VJRAIT be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Bank of Baroda – Raitha reflect within 30 minutes.
Where is Bank of Baroda Raitha branch located?
Bank of Baroda's Raitha branch is located at VIJAYA BANK, RAITHA VILLAGE , TEHSIL BAKSHI KA TALAB , LUCKNOW , RAITHA , 226201, Raitha, Uttar Pradesh.
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 Raitha branch but serve different purposes.
Is IFSC BARB0VJRAIT the same for all accounts at Raitha branch?
Yes. The IFSC BARB0VJRAIT is shared by every account held at Bank of Baroda's Raitha branch. Only the account number changes from customer to customer.
Final notes
To recap: BARB0VJRAIT is the IFSC code of Bank of Baroda, RAITHA branch, in RAITHA, 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.
