Use this page as a one-stop reference for everything related to Bank of Baroda's UNIVERSITY ROAD, RAJKOT branch in RAJKOT, GUJARAT. The branch's IFSC code BARB0UNIRAJ 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.
IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.
In our case, BARB0UNIRAJ is the IFSC of Bank of Baroda's UNIVERSITY ROAD, RAJKOT branch. The format is fixed: BARB = bank code, 0 = reserved, UNIRAJ = branch identifier.
Bank profile
Bank of Baroda is among the recognised banks listed on the Reserve Bank of India's payments network. The University Road, Rajkot branch — IFSC BARB0UNIRAJ — extends the bank's services to customers in and around Rajkot, Gujarat.
Branch details at a glance
| Bank Name | Bank of Baroda |
|---|---|
| Branch | University Road, Rajkot |
| IFSC Code | BARB0UNIRAJ |
| MICR Code | Refer to cheque leaf |
| Branch Address | UNIVERSITY ROAD BRANCH, NAKSHTRA - III, 150 FT RING ROAD,NEAR RAIYA TELEPHONE EXCHANGE,RAJKOT, GUJARAT 360 005 |
| City | Rajkot |
| District | Rajkot |
| State | Gujarat |
| Phone | 1800223344 |
About this branch
The branch is located at UNIVERSITY ROAD BRANCH, NAKSHTRA - III, 150 FT RING ROAD,NEAR RAIYA TELEPHONE EXCHANGE,RAJKOT, GUJARAT 360 005. It serves the Rajkot 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 BARB0UNIRAJ 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 UNIVERSITY ROAD, RAJKOT branch came to be assigned the code BARB0UNIRAJ.
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 BARB0UNIRAJ, money simply cannot be routed to the UNIVERSITY ROAD, RAJKOT branch electronically.
Account types you can open at the University Road, Rajkot branch
Once you have an account at Bank of Baroda – UNIVERSITY ROAD, RAJKOT, the IFSC BARB0UNIRAJ 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 University Road, Rajkot 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 BARB0UNIRAJ
How to transfer money using IFSC BARB0UNIRAJ
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 BARB0UNIRAJ across all three.
NEFT to Bank of Baroda, UNIVERSITY ROAD, RAJKOT using IFSC BARB0UNIRAJ
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 BARB0UNIRAJ, and confirm that the system picks up Bank of Baroda – UNIVERSITY ROAD, RAJKOT. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC BARB0UNIRAJ
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 – UNIVERSITY ROAD, RAJKOT, ensure your bank's portal accepts IFSC BARB0UNIRAJ while registering the beneficiary. RTGS is also available 24x7.
IMPS to Bank of Baroda UNIVERSITY ROAD, RAJKOT (IFSC BARB0UNIRAJ)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BARB0UNIRAJ in your mobile or internet banking app, and the money is credited to the UNIVERSITY ROAD, RAJKOT branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC BARB0UNIRAJ for Bank of Baroda – UNIVERSITY ROAD, RAJKOT, 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 – BARB0UNIRAJ | Yes – BARB0UNIRAJ | Yes – BARB0UNIRAJ |
For most retail customers crediting the University Road, Rajkot 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 BARB0UNIRAJ
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 – UNIVERSITY ROAD, RAJKOT is still mapped to IFSC BARB0UNIRAJ. 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 BARB0UNIRAJ and the beneficiary's account number to complete the transfer.
Online banking and IFSC BARB0UNIRAJ
Bank of Baroda customers can register for net banking and the bank's official mobile app once their account at the UNIVERSITY ROAD, RAJKOT 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 BARB0UNIRAJ 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 BARB0UNIRAJ and the account number together uniquely identify the University Road, Rajkot branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Common mistakes to avoid when using IFSC BARB0UNIRAJ
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 – UNIVERSITY ROAD, RAJKOT, 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:
BARB0UNIRAJ. - 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.
Reaching the branch
The University Road, Rajkot branch sits at UNIVERSITY ROAD BRANCH, NAKSHTRA - III, 150 FT RING ROAD,NEAR RAIYA TELEPHONE EXCHANGE,RAJKOT, GUJARAT 360 005. If you are travelling from outside Rajkot, 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 BARB0UNIRAJ and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC BARB0UNIRAJ for Bank of Baroda – UNIVERSITY ROAD, RAJKOT, 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 University Road, Rajkot branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BARB0UNIRAJ, however, work 24x7.
Branch address & contact
Bank of BarodaUniversity Road, Rajkot Branch
UNIVERSITY ROAD BRANCH, NAKSHTRA - III, 150 FT RING ROAD,NEAR RAIYA TELEPHONE EXCHANGE,RAJKOT, GUJARAT 360 005
Rajkot, Gujarat
Phone: 1800223344
IFSC: BARB0UNIRAJ
Frequently asked questions
Is IFSC BARB0UNIRAJ valid for NEFT and RTGS?
Yes. IFSC BARB0UNIRAJ is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Does Bank of Baroda University Road, Rajkot branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 1800223344 to confirm.
Is IFSC BARB0UNIRAJ the same for all accounts at University Road, Rajkot branch?
Yes. The IFSC BARB0UNIRAJ is shared by every account held at Bank of Baroda's University Road, Rajkot branch. Only the account number changes from customer to customer.
Where is Bank of Baroda University Road, Rajkot branch located?
Bank of Baroda's University Road, Rajkot branch is located at UNIVERSITY ROAD BRANCH, NAKSHTRA - III, 150 FT RING ROAD,NEAR RAIYA TELEPHONE EXCHANGE,RAJKOT, GUJARAT 360 005, Rajkot, Gujarat.
What is the phone number of Bank of Baroda University Road, Rajkot branch?
You can reach the branch at 1800223344 during regular banking hours.
Can I use IFSC BARB0UNIRAJ for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC BARB0UNIRAJ to send funds instantly.
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 University Road, Rajkot branch but serve different purposes.
How quickly will an NEFT transfer using BARB0UNIRAJ be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Bank of Baroda – University Road, Rajkot reflect within 30 minutes.
Summary
The IFSC code BARB0UNIRAJ belongs to Bank of Baroda's UNIVERSITY ROAD, RAJKOT branch, located at UNIVERSITY ROAD BRANCH, NAKSHTRA - III, 150 FT RING ROAD,NEAR RAIYA TELEPHONE… in RAJKOT, GUJARAT. 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.
