IFSC Code of Bank of Baroda, Puna Surat Branch, Gujarat

If you are searching for the IFSC code of Bank of Baroda, PUNA SURAT branch in SURAT, GUJARAT, this page has every detail you need. The verified IFSC code for this branch is BARB0DBPUNA. 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 PUNA SURAT branch, and detailed step-by-step guides for using the IFSC BARB0DBPUNA 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.

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, BARB0DBPUNA is the IFSC of Bank of Baroda's PUNA SURAT branch. The format is fixed: BARB = bank code, 0 = reserved, DBPUNA = branch identifier.

Bank profile

Bank of Baroda is among the recognised banks listed on the Reserve Bank of India's payments network. The Puna Surat branch — IFSC BARB0DBPUNA — extends the bank's services to customers in and around Surat, Gujarat.

Branch details at a glance

Puna Surat branch overview

Located at NEAR S T STAND CHORYASI KUMBHARIA DIST SURAT GUJARAT 394210, the Puna Surat branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC BARB0DBPUNA 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 PUNA SURAT of Bank of Baroda — its own 11-character IFSC. The code BARB0DBPUNA 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 BARB0DBPUNA the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Puna Surat branch is mapped to IFSC BARB0DBPUNA 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 BARB0DBPUNA.

Products and services

Customers walking into the Puna Surat 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 BARB0DBPUNA

How to transfer money using IFSC BARB0DBPUNA

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 BARB0DBPUNA across all three.

NEFT to Bank of Baroda, PUNA SURAT using IFSC BARB0DBPUNA

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 BARB0DBPUNA, and confirm that the system picks up Bank of Baroda – PUNA SURAT. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to PUNA SURAT

If you need to transfer ₹2 lakh or more in one go to an account at Bank of Baroda's PUNA SURAT branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BARB0DBPUNA while initiating the transfer and the credit will appear within minutes.

IMPS to Bank of Baroda PUNA SURAT (IFSC BARB0DBPUNA)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BARB0DBPUNA in your mobile or internet banking app, and the money is credited to the PUNA SURAT branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Puna Surat

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 BARB0DBPUNA:

• 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 PUNA SURAT is still linked to IFSC BARB0DBPUNA.

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 PUNA SURAT branch, the IFSC BARB0DBPUNA 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.

Online banking and IFSC BARB0DBPUNA

Bank of Baroda customers can register for net banking and the bank's official mobile app once their account at the PUNA SURAT 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 BARB0DBPUNA 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 BARB0DBPUNA and the account number together uniquely identify the Puna Surat 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 – PUNA SURAT:

• The IFSC is exactly BARB0DBPUNA 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 PUNA SURAT 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.

How to reach the Puna Surat branch

The branch is located at NEAR S T STAND CHORYASI KUMBHARIA DIST SURAT GUJARAT 394210, which puts it inside Surat, the broader Surat district, and the state of Gujarat. To plan your visit:

1. Open Google Maps on your phone and search for “Bank of Baroda Puna Surat branch” — the verified location pin for IFSC BARB0DBPUNA should appear at the top of the results.
2. Confirm the branch is open by calling 22-1800223344 before stepping out, especially around public holidays.
3. Carry photo ID and any account-related documents you may need for the transaction you plan to do.

Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC BARB0DBPUNA and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC BARB0DBPUNA for Bank of Baroda – PUNA SURAT, 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 Puna Surat branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BARB0DBPUNA, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code BARB0DBPUNA belongs to Bank of Baroda's PUNA SURAT branch, located at NEAR S T STAND CHORYASI KUMBHARIA DIST SURAT GUJARAT 394210 in SURAT, 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.