IFSC Code of Bank of Baroda, Ustapur Havelia-Jhunsi Branch, Uttar Pradesh

Use this page as a one-stop reference for everything related to Bank of Baroda's USTAPUR HAVELIA-JHUNSI branch in USTAPUR MAHMOODABAD UPERHAR, UTTAR PRADESH. The branch's IFSC code BARB0VJUSTA 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, BARB0VJUSTA is the IFSC of Bank of Baroda's USTAPUR HAVELIA-JHUNSI branch. The format is fixed: BARB = bank code, 0 = reserved, VJUSTA = branch identifier.

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 Ustapur Havelia-Jhunsi branch in Ustapur Mahmoodabad Uperhar, Uttar Pradesh is part of this network and uses the IFSC code BARB0VJUSTA for all electronic settlement.

Ustapur Havelia-Jhunsi branch overview

Located at SHIVALIKA TOWERS, ANDAWA BYPASS, , ALLAHABADVARANASI HIGHWAY, , ALLAHABAD , USTAPUR HAVELIAJHUNSI , 211019, the Ustapur Havelia-Jhunsi branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC BARB0VJUSTA 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 USTAPUR HAVELIA-JHUNSI of Bank of Baroda — its own 11-character IFSC. The code BARB0VJUSTA 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 BARB0VJUSTA 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 BARB0VJUSTA

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 BARB0VJUSTA across all three.

How to use IFSC BARB0VJUSTA for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Bank of Baroda's USTAPUR HAVELIA-JHUNSI 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 BARB0VJUSTA.
4. Confirm the bank name auto-populates as Bank of Baroda and the branch as USTAPUR HAVELIA-JHUNSI.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC BARB0VJUSTA

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 – USTAPUR HAVELIA-JHUNSI, ensure your bank's portal accepts IFSC BARB0VJUSTA while registering the beneficiary. RTGS is also available 24x7.

IMPS to Bank of Baroda USTAPUR HAVELIA-JHUNSI (IFSC BARB0VJUSTA)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BARB0VJUSTA in your mobile or internet banking app, and the money is credited to the USTAPUR HAVELIA-JHUNSI branch account within seconds.

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

All three modes accept the IFSC BARB0VJUSTA for Bank of Baroda – USTAPUR HAVELIA-JHUNSI, 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 Ustapur Havelia-Jhunsi 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 BARB0VJUSTA

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 – USTAPUR HAVELIA-JHUNSI is still mapped to IFSC BARB0VJUSTA. 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 BARB0VJUSTA and the beneficiary's account number to complete the transfer.

Account types you can open at the Ustapur Havelia-Jhunsi branch

Once you have an account at Bank of Baroda – USTAPUR HAVELIA-JHUNSI, the IFSC BARB0VJUSTA 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 Ustapur Havelia-Jhunsi 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 BARB0VJUSTA

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 BARB0VJUSTA and the account number together uniquely identify the Ustapur Havelia-Jhunsi branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Digital banking channels

Most day-to-day work that customers used to do at the Ustapur Havelia-Jhunsi 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 BARB0VJUSTA 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 – USTAPUR HAVELIA-JHUNSI:

• The IFSC is exactly BARB0VJUSTA 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 USTAPUR HAVELIA-JHUNSI 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 Ustapur Havelia-Jhunsi branch sits at SHIVALIKA TOWERS, ANDAWA BYPASS, , ALLAHABADVARANASI HIGHWAY, , ALLAHABAD , USTAPUR HAVELIAJHUNSI , 211019. If you are travelling from outside Ustapur Mahmoodabad Uperhar, 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 BARB0VJUSTA and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC BARB0VJUSTA for Bank of Baroda – USTAPUR HAVELIA-JHUNSI, 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 Ustapur Havelia-Jhunsi 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 BARB0VJUSTA continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: BARB0VJUSTA is the IFSC code of Bank of Baroda, USTAPUR HAVELIA-JHUNSI branch, in USTAPUR MAHMOODABAD UPERHAR, 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.