If you are searching for the IFSC code of Bank of Baroda, SHAHGANJ, UP branch in SHAHGANJ, UTTAR PRADESH, this page has every detail you need. The verified IFSC code for this branch is BARB0SHAFAI. 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 SHAHGANJ, UP branch, and detailed step-by-step guides for using the IFSC BARB0SHAFAI 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.
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 – SHAHGANJ, UP is BARB0SHAFAI. The first four letters BARB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters SHAFAI map to this branch in SHAHGANJ, UTTAR PRADESH.
Branch details at a glance
| Bank Name | Bank of Baroda |
|---|---|
| Branch | Shahganj, Up |
| IFSC Code | BARB0SHAFAI |
| MICR Code | Refer to cheque leaf |
| Branch Address | SHAHGANJ, FAIZABAD,VARANASI, UTTAR PRADESH-224184 |
| City | Shahganj |
| District | Shahganj |
| State | Uttar Pradesh |
| Phone | 1800223344 |
Bank profile
Bank of Baroda is among the recognised banks listed on the Reserve Bank of India's payments network. The Shahganj, Up branch — IFSC BARB0SHAFAI — extends the bank's services to customers in and around Shahganj, Uttar Pradesh.
About the Shahganj, Up branch
The Shahganj, Up branch of Bank of Baroda is situated at SHAHGANJ, FAIZABAD,VARANASI, UTTAR PRADESH-224184. 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 BARB0SHAFAI 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 SHAHGANJ, UP of Bank of Baroda — its own 11-character IFSC. The code BARB0SHAFAI 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 BARB0SHAFAI 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 BARB0SHAFAI
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 BARB0SHAFAI across all three.
NEFT to Bank of Baroda, SHAHGANJ, UP using IFSC BARB0SHAFAI
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 BARB0SHAFAI, and confirm that the system picks up Bank of Baroda – SHAHGANJ, UP. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to SHAHGANJ, UP
If you need to transfer ₹2 lakh or more in one go to an account at Bank of Baroda's SHAHGANJ, UP branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BARB0SHAFAI while initiating the transfer and the credit will appear within minutes.
IMPS to Bank of Baroda SHAHGANJ, UP (IFSC BARB0SHAFAI)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BARB0SHAFAI in your mobile or internet banking app, and the money is credited to the SHAHGANJ, UP branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC BARB0SHAFAI for Bank of Baroda – SHAHGANJ, UP, 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 – BARB0SHAFAI | Yes – BARB0SHAFAI | Yes – BARB0SHAFAI |
For most retail customers crediting the Shahganj, Up 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 BARB0SHAFAI
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 – SHAHGANJ, UP is still mapped to IFSC BARB0SHAFAI. 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 BARB0SHAFAI and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Shahganj, Up branch is mapped to IFSC BARB0SHAFAI 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 BARB0SHAFAI.
Banking services available
The Shahganj, Up 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 BARB0SHAFAI
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 BARB0SHAFAI and the account number together uniquely identify the Shahganj, Up branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC BARB0SHAFAI
Bank of Baroda customers can register for net banking and the bank's official mobile app once their account at the SHAHGANJ, UP 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 BARB0SHAFAI 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 – SHAHGANJ, UP:
- The IFSC is exactly BARB0SHAFAI 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 SHAHGANJ, UP 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 Shahganj, Up branch sits at SHAHGANJ, FAIZABAD,VARANASI, UTTAR PRADESH-224184. If you are travelling from outside Shahganj, 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 BARB0SHAFAI and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC BARB0SHAFAI for Bank of Baroda – SHAHGANJ, UP, 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 Shahganj, Up branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BARB0SHAFAI, however, work 24x7.
Branch address & contact
Bank of BarodaShahganj, Up Branch
SHAHGANJ, FAIZABAD,VARANASI, UTTAR PRADESH-224184
Shahganj, Uttar Pradesh
Phone: 1800223344
IFSC: BARB0SHAFAI
Frequently asked questions
What is the IFSC code of Bank of Baroda Shahganj, Up branch?
The IFSC code of Bank of Baroda, Shahganj, Up branch is BARB0SHAFAI. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC BARB0SHAFAI the same for all accounts at Shahganj, Up branch?
Yes. The IFSC BARB0SHAFAI is shared by every account held at Bank of Baroda's Shahganj, Up branch. Only the account number changes from customer to customer.
Can I use IFSC BARB0SHAFAI for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC BARB0SHAFAI 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 Shahganj, Up branch but serve different purposes.
How do I add Bank of Baroda Shahganj, Up as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC BARB0SHAFAI, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using BARB0SHAFAI be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Bank of Baroda – Shahganj, Up reflect within 30 minutes.
Where is Bank of Baroda Shahganj, Up branch located?
Bank of Baroda's Shahganj, Up branch is located at SHAHGANJ, FAIZABAD,VARANASI, UTTAR PRADESH-224184, Shahganj, Uttar Pradesh.
Is IFSC BARB0SHAFAI valid for NEFT and RTGS?
Yes. IFSC BARB0SHAFAI is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Final notes
To recap: BARB0SHAFAI is the IFSC code of Bank of Baroda, SHAHGANJ, UP branch, in SHAHGANJ, 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.
