For digital banking and online financial transactions in India, one essential element that makes sure of a seamless and accurate fund transfers is the IFSC Code. If you are sending money through NEFT, RTGS, or IMPS, the bank asks you to enter the correct IFSC Code to route your payment to the right branch. And so, in case you are searching for the IFSC Code of Bank Of Baroda for its Payangadi branch in Kannur, Madayi, Kerala, this comprehensive guide will provide you with detailed information.
The banking system in India has changed significantly over the years, and today customers of Bank Of Baroda located in Kannur or anywhere in Kerala can transfer funds instantly by using the correct IFSC Code BARB0VJPAYA. Knowing how the IFSC Code works can help you stay informed and avoid transfer errors.
Details of IFSC Code for Bank Of Baroda, Payangadi, Kannur
Below in the table are the key details related to IFSC Code BARB0VJPAYA of Bank Of Baroda for its branch located in Kannur, within the district of Madayi in the state of Kerala.
| Particulars | Details |
|---|---|
| Bank | Bank Of Baroda |
| IFSC Code | BARB0VJPAYA |
| Branch | Payangadi |
| City | Kannur |
| District | Madayi |
| State | Kerala |
| Address | Vijaya Bank Payangadi, No.498B , Opp. Registrar Office,Eripuram , Payangadi Po, Kannur , Payangadi , 670303 |
These details are essential not only for online banking users but also for businesses and individuals who use Bank Of Baroda in Kannur for day-to-day financial transactions. If you are depositing money, sending payments, or conducting commercial transfers, the IFSC Code BARB0VJPAYA for the Payangadi branch of Bank Of Baroda plays an important role.
What Is IFSC Code and Why Is It Important?
IFSC stands for Indian Financial System Code, an 11-character alphanumeric code provided by the Reserve Bank of India. Every bank branch, along with Bank Of Baroda located in Payangadi, Kannur, Kerala, are allotted a unique IFSC like BARB0VJPAYA to ensure that online payments reach the right destination.
The IFSC Code is important because:
- It clearly tells which bank branch it is in Kannur.
- It helps NEFT, RTGS, and IMPS systems route the transfer securely.
- It prevents confusion between different branches of the same bank in places like Kannur and Madayi.
- It reduces errors in fund transfers and improves accuracy.
- It helps the sender banks to validate and confirm branch details before processing payments.
It makes sure that money sent to Bank Of Baroda in Payangadi reaches the right place, even though there are thousands of branches in Kerala and across India.
Format of the IFSC Code BARB0VJPAYA
The format of the IFSC Code for banks, including Bank Of Baroda, follows an 11-character structure:
AAAA0CCCCCC
Here's the breakdown:
- First 4 characters (AAAA): These represent the bank code. In Bank Of Baroda, they are a short identifier for the bank.
- 5th character (0): This is always zero and is reserved for future use.
- Last 6 characters (CCCCCC): These are what represent the specific branch code which is assigned to branches like Payangadi in Kannur.
For example, the IFSC Code BARB0VJPAYA of Bank Of Baroda for the Payangadi branch has these elements, identifying the bank and the branch location in Kannur and Kerala correctly.
How to Find IFSC Code for Bank Of Baroda?
If you are trying to find the IFSC Code BARB0VJPAYA of Bank Of Baroda for its Payangadi branch located in Kannur, the following methods can help:
Cheque Book
The cheque book issued by Bank Of Baroda includes the IFSC Code printed on each cheque leaf which you can easily spot on the top section.
Passbook
Most banks, including Bank Of Baroda branches in Kannur and Madayi, print the IFSC and MICR codes on the first page of your passbook.
Bank Website
Visit the official website of Bank Of Baroda and navigate to the branch locator section. Search for Payangadi or Kannur to get the exact IFSC Code BARB0VJPAYA.
Mobile Banking App
If you use Bank Of Baroda's mobile app, you can check your account details to find your branch's IFSC code.
RBI Website
The Reserve Bank of India keeps an updated list of all IFSC codes. If you search for Bank Of Baroda and Kannur, you'll get the correct details.
How to Use IFSC Code BARB0VJPAYA for Online Transfers?
Once you have the IFSC Code BARB0VJPAYA for the Payangadi branch of Bank Of Baroda in Kannur, you can initiate your fund transfers using any digital method:
NEFT
Add beneficiary details including the name, account number, and IFSC Code BARB0VJPAYA. Transfers are processed in batches. This is suitable for personal and business payments.
RTGS
Used for high-value payments above ₹2 lakh. Real-time settlement using the IFSC Code of the recipient branch.
IMPS
Instant 24×7 transfers. Requires the recipient's account details and Bank Of Baroda IFSC Code BARB0VJPAYA.
Regardless of the method you choose, the accuracy of the IFSC Code is crucial. Any mistake in entering the IFSC Code for Bank Of Baroda Payangadi in Kannur may result in delayed or failed transactions.
Finding the MICR Code
MICR codes are used for cheque clearance and are very different from IFSC codes. If you are looking for the MICR code of Bank Of Baroda in Payangadi, here are some of the ways you can get it:
- Check the bottom of your cheque leaf.
- Refer to the first page of your passbook.
- Visit the official Bank Of Baroda website.
- Search the RBI portal.
Knowing both IFSC and MICR code can help account holders in Kannur manage their online transfers and cheque clearances easily.
Frequently Asked Questions (FAQs)
The IFSC Code is BARB0VJPAYA.
Yes, but it can change if the bank merges or goes through restructuring.
No. MICR is for cheque clearing; IFSC is for online transfers.
You can find it on cheque books, passbooks, the bank's website, mobile app, or the RBI portal.
The address of the branch is Vijaya Bank Payangadi, No.498B , Opp. Registrar Office,Eripuram , Payangadi Po, Kannur , Payangadi , 670303 located in Kannur, Madayi, Kerala.
The IFSC Code ensures that NEFT, RTGS, and IMPS transactions are accurately routed to the correct bank branch.