IFSC Code of Bank of Baroda, Vinobanagar, Shimoga Branch, Karnataka

If you are searching for the IFSC code of Bank of Baroda, VINOBANAGAR, SHIMOGA branch in SHIMOGA, KARNATAKA, this page has every detail you need. The verified IFSC code for this branch is BARB0VJVINO. 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 VINOBANAGAR, SHIMOGA branch, and detailed step-by-step guides for using the IFSC BARB0VJVINO 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 VINOBANAGAR, SHIMOGA branch, the IFSC BARB0VJVINO breaks down as follows: BARB identifies the bank, 0 is the reserved character, and VJVINO identifies this particular branch.

Branch details at a glance

About the bank

Bank of Baroda serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Vinobanagar, Shimoga branch in Shimoga, Karnataka is part of this network and uses the IFSC code BARB0VJVINO for all electronic settlement.

Vinobanagar, Shimoga branch overview

Located at D.S.TOWERS, SITE NO.2, , SOMINAKOPPA MAIN ROAD, NEAR VINOBANAGAR POST OFFICE , VINOBANAGAR, SHIMOGA , SHIMOGA , 577204, the Vinobanagar, Shimoga branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC BARB0VJVINO is required for all interbank electronic transfers routed through this branch.

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 VINOBANAGAR, SHIMOGA of Bank of Baroda — its own 11-character IFSC. The code BARB0VJVINO 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 BARB0VJVINO 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 BARB0VJVINO

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 BARB0VJVINO across all three.

How to use IFSC BARB0VJVINO for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Bank of Baroda's VINOBANAGAR, SHIMOGA 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 BARB0VJVINO.
4. Confirm the bank name auto-populates as Bank of Baroda and the branch as VINOBANAGAR, SHIMOGA.
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 VINOBANAGAR, SHIMOGA

If you need to transfer ₹2 lakh or more in one go to an account at Bank of Baroda's VINOBANAGAR, SHIMOGA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BARB0VJVINO while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Bank of Baroda – VINOBANAGAR, SHIMOGA, use IMPS. With IFSC BARB0VJVINO and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC BARB0VJVINO for Bank of Baroda – VINOBANAGAR, SHIMOGA, 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.

For most retail customers crediting the Vinobanagar, Shimoga 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 BARB0VJVINO

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 – VINOBANAGAR, SHIMOGA is still mapped to IFSC BARB0VJVINO. 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 BARB0VJVINO and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Vinobanagar, Shimoga branch is mapped to IFSC BARB0VJVINO 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 BARB0VJVINO.

Products and services

Customers walking into the Vinobanagar, Shimoga 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 BARB0VJVINO

MICR & cheque-truncation details

Cheques drawn on the Vinobanagar, Shimoga branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC BARB0VJVINO 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 Vinobanagar, Shimoga 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 BARB0VJVINO 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 – VINOBANAGAR, SHIMOGA:

• The IFSC is exactly BARB0VJVINO 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 VINOBANAGAR, SHIMOGA 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 Vinobanagar, Shimoga branch sits at D.S.TOWERS, SITE NO.2, , SOMINAKOPPA MAIN ROAD, NEAR VINOBANAGAR POST OFFICE , VINOBANAGAR, SHIMOGA , SHIMOGA , 577204. If you are travelling from outside Shimoga, 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 BARB0VJVINO and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC BARB0VJVINO for Bank of Baroda – VINOBANAGAR, SHIMOGA, 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.

Working hours

Branch counters at Vinobanagar, Shimoga 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 BARB0VJVINO continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: BARB0VJVINO is the IFSC code of Bank of Baroda, VINOBANAGAR, SHIMOGA branch, in SHIMOGA, KARNATAKA. 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.