If you are searching for the IFSC code of Bank of Baroda, PAYAGIPUR branch in SULTANPUR, UTTAR PRADESH, this page has every detail you need. The verified IFSC code for this branch is BARB0PAYAGI. 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 PAYAGIPUR branch, and detailed step-by-step guides for using the IFSC BARB0PAYAGI 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 PAYAGIPUR branch, the IFSC BARB0PAYAGI breaks down as follows: BARB identifies the bank, 0 is the reserved character, and PAYAGI identifies this particular branch.
Branch details at a glance
| Bank Name | Bank of Baroda |
|---|---|
| Branch | Payagipur |
| IFSC Code | BARB0PAYAGI |
| MICR Code | Refer to cheque leaf |
| Branch Address | NEAR PAYAGIPUR CROSSING SULTANPUR UTTAR PRADESH-228001 |
| City | Sultanpur |
| District | Ballia |
| State | Uttar Pradesh |
| Phone | 1800223344 |
About Bank of Baroda
Bank of Baroda operates a wide network of branches across India, including the Payagipur branch in Sultanpur. 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, BARB0PAYAGI.
About this branch
The branch is located at NEAR PAYAGIPUR CROSSING SULTANPUR UTTAR PRADESH-228001. It serves the Sultanpur 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 BARB0PAYAGI 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 PAYAGIPUR branch came to be assigned the code BARB0PAYAGI.
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 BARB0PAYAGI, money simply cannot be routed to the PAYAGIPUR branch electronically.
How to transfer money using IFSC BARB0PAYAGI
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 BARB0PAYAGI across all three.
How to use IFSC BARB0PAYAGI for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Bank of Baroda's PAYAGIPUR 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 BARB0PAYAGI.
- Confirm the bank name auto-populates as Bank of Baroda and the branch as PAYAGIPUR.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC BARB0PAYAGI
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 – PAYAGIPUR, ensure your bank's portal accepts IFSC BARB0PAYAGI while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Bank of Baroda – PAYAGIPUR, use IMPS. With IFSC BARB0PAYAGI 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 Payagipur
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 BARB0PAYAGI:
- 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 PAYAGIPUR is still linked to IFSC BARB0PAYAGI.
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 PAYAGIPUR branch, the IFSC BARB0PAYAGI 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.
Products and account variants supported
Every account opened at the Payagipur branch is mapped to IFSC BARB0PAYAGI 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 BARB0PAYAGI.
Banking services available
The Payagipur 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 BARB0PAYAGI
MICR & cheque-truncation details
Cheques drawn on the Payagipur branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC BARB0PAYAGI 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 Payagipur 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 BARB0PAYAGI 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 – PAYAGIPUR:
- The IFSC is exactly BARB0PAYAGI 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 PAYAGIPUR 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 Payagipur branch sits at NEAR PAYAGIPUR CROSSING SULTANPUR UTTAR PRADESH-228001. If you are travelling from outside Sultanpur, 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 BARB0PAYAGI and your account number.
Verifying IFSC BARB0PAYAGI 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 BARB0PAYAGI by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 1800223344.
- Visiting the bank's official branch locator page.
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 Payagipur branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BARB0PAYAGI, however, work 24x7.
Branch address & contact
Bank of BarodaPayagipur Branch
NEAR PAYAGIPUR CROSSING SULTANPUR UTTAR PRADESH-228001
Sultanpur, Uttar Pradesh
Phone: 1800223344
IFSC: BARB0PAYAGI
Frequently asked questions
Is IFSC BARB0PAYAGI the same for all accounts at Payagipur branch?
Yes. The IFSC BARB0PAYAGI is shared by every account held at Bank of Baroda's Payagipur branch. Only the account number changes from customer to customer.
What is the IFSC code of Bank of Baroda Payagipur branch?
The IFSC code of Bank of Baroda, Payagipur branch is BARB0PAYAGI. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
What is the phone number of Bank of Baroda Payagipur branch?
You can reach the branch at 1800223344 during regular banking hours.
How quickly will an NEFT transfer using BARB0PAYAGI be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Bank of Baroda – Payagipur reflect within 30 minutes.
Does Bank of Baroda Payagipur branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 1800223344 to confirm.
Where is Bank of Baroda Payagipur branch located?
Bank of Baroda's Payagipur branch is located at NEAR PAYAGIPUR CROSSING SULTANPUR UTTAR PRADESH-228001, Sultanpur, Uttar Pradesh.
Summary
The IFSC code BARB0PAYAGI belongs to Bank of Baroda's PAYAGIPUR branch, located at NEAR PAYAGIPUR CROSSING SULTANPUR UTTAR PRADESH-228001 in SULTANPUR, UTTAR PRADESH. 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.
