Bank of Baroda (BOB) IFSC Code — Complete Guide
Bank of Baroda is India's second largest public sector bank (after merger with Vijaya Bank and Dena Bank in 2019). Founded in 1908 by Maharaja Sayajirao Gaekwad III in Baroda (now Vadodara), BOB has grown into a global bank with presence in 17 countries and 9,500+ domestic branches.
How to Find BOB IFSC Code
- Use the search tool above — select state, district and branch
- Check your BOB cheque book — IFSC printed at top of every leaf
- Open your BOB passbook — front page shows IFSC code
- Log in to BOB net banking → Account Details
Using BOB IFSC for Transfers
- NEFT: Enter IFSC when adding beneficiary. Settled in 30 minutes.
- RTGS: For transfers above ₹2 lakh. Settled in real time.
- IMPS: 24×7 instant transfers up to ₹5 lakh.
- International: Use SWIFT code BARBINBB (not IFSC) for overseas transfers.
NEFT, RTGS and IMPS Timings
- NEFT: Available 24×7 including weekends and holidays. Funds transferred in 30-minute settlement batches.
- RTGS: Available 24×7. Minimum transfer ₹2 lakh. Settlement is real-time and immediate.
- IMPS: Available 24×7 all 365 days. Maximum ₹5 lakh per transaction. Instant credit.
How IFSC Code Works in a Bank Transfer
When you initiate a fund transfer, you provide the beneficiary's account number and IFSC code. The payment system uses the IFSC to route the transaction to the correct bank branch. The first 4 characters identify the bank; the last 6 identify the branch. RBI's National Clearing Cell processes the transaction and credits the beneficiary's account.
IFSC Code vs Account Number
Your account number uniquely identifies your individual bank account. The IFSC code identifies the specific branch where that account is held. Both are needed together for online fund transfers — the account number tells where to credit, the IFSC tells which branch to route to.