Bank of Baroda
Browse official IFSC codes, MICR details, branch addresses, and customer support information for 10,161 branches of Bank of Baroda across India.
About Bank of Baroda IFSC Codes & Routing Information
The Indian Financial System Code (IFSC) is an 11-character alphanumeric identifier assigned by the Reserve Bank of India (RBI) to identify branches of Bank of Baroda. The code format begins with BARB, followed by control zero 0, and ends with the 6-digit branch identifier.
Use official Bank of Baroda branch IFSC codes to route electronic transfers including NEFT, RTGS, IMPS, and UPI payments securely through Indian central payment clearing systems.
Bank of Baroda Balance Check, Missed Call & SMS Banking Numbers
Instant balance enquiry numbers, mini-statement SMS formats, WhatsApp banking, and 24x7 emergency helplinesAccount Balance
Give a missed call from registered mobile number for instant account balance via SMS.
Last 3 - 5 Txns
Missed call number to receive your recent 5 transactions and account summary.
WhatsApp Assistant
Bob WhatsApp Banking for balance enquiry, mini statement, fastag balance, and debit card blocking.
Block ATM Debit Card
Emergency Debit Card Hotlisting to prevent fraudulent transactions.
2. 24x7 Customer Care & Helpline Numbers
3. SMS Banking Syntax & SMS Shortcodes
| Banking Service | SMS Command / Format | Send SMS To | Notes / Information |
|---|---|---|---|
| Balance Enquiry |
BAL <Last 4 digits of A/C>
|
8422009988 | Account balance alert |
| Mini Statement |
MINI <Last 4 digits of A/C>
|
8422009988 | Recent 5 transaction summary |
| Block Debit Card |
BLOCK <Last 4 digits of Card>
|
8422009988 | Instant hotlist of ATM card |
How to use Missed Call & SMS Banking
- Registered Mobile Number: The missed call or SMS must be sent exclusively from the mobile SIM linked to your bank account.
- Auto-Activated: No prior registration needed. The service is pre-activated for all mobile-linked accounts.
- Zero Toll Charges: The call disconnects automatically after 1 or 2 rings without any call cost. The bank delivers the account summary via SMS within 10 to 30 seconds.
Bank of Baroda Retail Banking, Account Types & Debit Cards
Verified retail banking specifications, minimum balance (MAB) rules, and card withdrawal limits1. Popular Savings & Deposit Account Types
Bank of Baroda Regular Savings Account
Full digital banking suite, passbook, cheque book, and 24x7 UPI/NEFT/RTGS clearing.
Bank of Baroda Digital Video KYC Savings Account
Instant paperless account opening with online Video KYC verification via official mobile app.
Bank of Baroda Basic Savings Bank Deposit (BSBDA)
RBI financial inclusion account with zero maintenance fee, free RuPay Classic card, and 4 free ATM withdrawals.
2. Minimum Balance (MAB/AMB) Requirements by Location
| Branch Location / Tier | Minimum Balance Required | Non-Maintenance Penalty |
|---|---|---|
| Metro & Urban Branches | ₹1,000 – ₹2,000 Average Balance |
₹30 – ₹100 + GST per quarter (shortfall dependent; balance cannot turn negative)
Per RBI mandate, banks cannot turn savings account balances negative.
|
| Semi-Urban Branches | ₹500 – ₹1,000 Average Balance | |
| Rural Branches | ₹250 – ₹500 Average Balance |
3. Popular Debit Card Variants & Daily Transaction Limits
Bank of Baroda RuPay Classic Debit Card
Domestic EMV chip security card for cash withdrawals and online e-commerce shopping.
Bank of Baroda RuPay / Visa Platinum Card
Includes ₹2 Lakh accidental insurance cover, tap-and-pay NFC, and merchant offers.
Digital Account Opening & Video KYC Prerequisites
Open a paperless savings account online in 5-10 minutes with Aadhaar OTP authentication and live Video KYC.
Browse Bank of Baroda Branches by State / Union Territory
Select your state below to find the specific branch, IFSC code, and district clearing center.
All Bank of Baroda Branches
Showing active branches and verified IFSC codes for RTGS/NEFT/IMPS transfers.
Customer Support & Grievance Redressal Mechanism
If you encounter issues with failed electronic fund transfers (NEFT/RTGS/IMPS) or incorrect branch processing at Bank of Baroda, you can follow the structured RBI escalation path:
Branch Manager / Customer Care
Lodge your complaint with the local branch manager or call the toll-free customer helpline. Obtain a complaint reference token.
Internal Grievance Cell
If unresolved within 10 days, escalate to the bank's Principal Nodal Officer (PNO) or Chief Quality Care officer at the corporate headquarters.
RBI Banking Ombudsman
If the grievance remains unresolved for over 30 days, file an online complaint at the RBI CMS portal (cms.rbi.org.in) under the Integrated Ombudsman Scheme.
UPI 0.4% Merchant Charges & Limits (NPCI Guidelines)
Understanding the 0.4% MDR on payments above ₹2,000, fee caps & consumer exemptionsZero Cost to Users
All personal transfers (P2P) and purchases made by customers are 100% FREE (₹0 fees). Surcharging customers is illegal.
Commercial Merchants
A 0.4% MDR applies to commercial merchant transactions above ₹2,000 (capped at ₹300). Small vendors (≤ ₹1L/month) are exempt.
NEFT / RTGS / IMPS
Online NEFT & RTGS are free per RBI rules for savings accounts. IMPS allows instant transfers up to ₹5 Lakh around the clock.
Frequently Asked Questions: Bank of Baroda
0), and ends with a 6-character branch code. You can locate any branch using the state and district directory above.