IFSC Code of Bank of Baroda, Vizhinjam Branch, Kerala

Below are the complete branch details for Bank of Baroda, VIZHINJAM branch, located in VIZHINJAM, KERALA. The IFSC assigned by the Reserve Bank of India to this branch is BARB0VJVIZH. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case BARB0VJVIZH for Bank of Baroda – VIZHINJAM — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 VIZHINJAM branch, the IFSC BARB0VJVIZH breaks down as follows: BARB identifies the bank, 0 is the reserved character, and VJVIZH identifies this particular branch.

About Bank of Baroda

Bank of Baroda operates a wide network of branches across India, including the Vizhinjam branch in Vizhinjam. 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, BARB0VJVIZH.

Branch details at a glance

About the Vizhinjam branch

The Vizhinjam branch of Bank of Baroda is situated at V P VII1259 , KILIKULAM,VIZHINJAM , THIRUVANANTHAPURAM DIST. , VIZHINJAM , 695521. 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 BARB0VJVIZH 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 VIZHINJAM of Bank of Baroda — its own 11-character IFSC. The code BARB0VJVIZH 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 BARB0VJVIZH the same way you would treat your account number — verify it once and save it carefully for future use.

Account types you can open at the Vizhinjam branch

Once you have an account at Bank of Baroda – VIZHINJAM, the IFSC BARB0VJVIZH 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.

Banking services available

The Vizhinjam branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 22-1800223344.

• 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 BARB0VJVIZH

How to transfer money using IFSC BARB0VJVIZH

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 BARB0VJVIZH across all three.

How to use IFSC BARB0VJVIZH for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Bank of Baroda's VIZHINJAM 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 BARB0VJVIZH.
4. Confirm the bank name auto-populates as Bank of Baroda and the branch as VIZHINJAM.
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 BARB0VJVIZH

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 – VIZHINJAM, ensure your bank's portal accepts IFSC BARB0VJVIZH while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Bank of Baroda – VIZHINJAM, use IMPS. With IFSC BARB0VJVIZH 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 Vizhinjam

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 BARB0VJVIZH:

• 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 VIZHINJAM is still linked to IFSC BARB0VJVIZH.

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.

UPI payments and IFSC BARB0VJVIZH

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 – VIZHINJAM is still mapped to IFSC BARB0VJVIZH. 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 BARB0VJVIZH and the beneficiary's account number to complete the transfer.

Online banking and IFSC BARB0VJVIZH

Bank of Baroda customers can register for net banking and the bank's official mobile app once their account at the VIZHINJAM 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 BARB0VJVIZH 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 & cheque-truncation details

Cheques drawn on the Vizhinjam branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC BARB0VJVIZH for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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 – VIZHINJAM:

• The IFSC is exactly BARB0VJVIZH 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 VIZHINJAM 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 Vizhinjam branch sits at V P VII1259 , KILIKULAM,VIZHINJAM , THIRUVANANTHAPURAM DIST. , VIZHINJAM , 695521. If you are travelling from outside Vizhinjam, 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 BARB0VJVIZH and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC BARB0VJVIZH for Bank of Baroda – VIZHINJAM, 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 Vizhinjam 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 BARB0VJVIZH continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code BARB0VJVIZH belongs to Bank of Baroda's VIZHINJAM branch, located at V P VII1259 , KILIKULAM,VIZHINJAM , THIRUVANANTHAPURAM DIST. , VIZHINJAM ,… in VIZHINJAM, KERALA. 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.