Bank of Baroda — BRANCH

RAYA, GUJARAT

IFSC Code

BARB0RAYAMX

MICR Code

394012524

Branch

BRANCH

Bank

Bank of Baroda

District

RAYAM

State

GUJARAT

Contact

+910221800223344

Address

AT & PO RAYAM, TAL BARDOLI, DIST. SURAT, GUJARAT - 394 355.

Get Directions to This Branch

Using IFSC BARB0RAYAMX for money transfers

NEFT transfers to BRANCH, one of Bank of Baroda's branches in RAYAM, are batch-processed rather than instant. Most transfers clear within 30 minutes to a couple of hours during banking hours, and NEFT now runs 24x7 on all days including weekends.

RTGS (Real Time Gross Settlement) is built for high-value transfers — ₹2 lakh and above — and settles individually rather than in batches, so money reaches BRANCH almost immediately once processed, rather than waiting for the next settlement window.

IMPS is built for urgency: transfers to BRANCH clear in seconds rather than minutes or hours, and it works around the clock — useful outside NEFT/RTGS's usual processing windows.

NEFT & RTGS Timing — System Hours vs. Branch Hours

A distinction that matters if you're transferring to BRANCH: the RBI settlement system runs 24x7 for NEFT and RTGS, but that doesn't mean this specific branch is open around the clock. Online transfers process any time; in-person or cash-based requests still depend on the branch actually being open.

MethodSystem HoursIf Visiting BRANCH In Person
NEFT24x7x365, including weekends and holidays (RBI mandate since 16 Dec 2019)Online/net-banking NEFT processes any time. An in-branch, cash, or cheque-based NEFT request still depends on that branch's working hours.
RTGS24x7x365, including weekends and holidays (RBI mandate since 14 Dec 2020)Minimum transfer amount is ₹2 lakh. Same system-vs-branch-hours distinction as NEFT applies for in-person requests.
IMPS24x7x365 — always has been, no banking-hours restriction at the system level.Typically capped per transaction depending on your bank's own limits (often around ₹5 lakh).

Here's how to send money to BRANCH using net banking or a UPI app:

  1. Log in to your bank's net banking portal or mobile banking app.
  2. Add a new beneficiary/payee, entering the recipient's full name and account number.
  3. Enter the IFSC code BARB0RAYAMX when prompted — this routes the transfer to BRANCH specifically.
  4. Most banks require a short cooling-off period (often a few hours) after adding a new beneficiary before the first transfer.
  5. Once the beneficiary is active, choose NEFT, RTGS, or IMPS based on the amount and how quickly you need it to arrive.
  6. Enter the amount, review the details (name, account number, IFSC), and confirm with your OTP/PIN.

Frequently asked questions

What is the IFSC code of the Bank of Baroda BRANCH branch?

The IFSC code for Bank of Baroda's BRANCH branch in RAYA, RAYAM, GUJARAT is BARB0RAYAMX. This 11-character code is required for NEFT, RTGS, and IMPS transfers to any account held at this branch.

What is the MICR code of this branch?

The MICR code for this branch is 394012524. MICR codes are used for cheque clearing, while the IFSC code (BARB0RAYAMX) is what's needed for electronic transfers like NEFT and RTGS.

Where is the BRANCH branch of Bank of Baroda located?

This branch is located at: AT & PO RAYAM, TAL BARDOLI, DIST. SURAT, GUJARAT - 394 355.. It falls under RAYAM district, GUJARAT.

Can I use this IFSC code for both NEFT and RTGS transfers?

Yes — the same IFSC code (BARB0RAYAMX) is used for NEFT, RTGS, and IMPS transfers to this branch. Which one you should pick depends on the amount and urgency, not the code itself: RTGS for ₹2 lakh+ needing near-instant settlement, NEFT for regular batch-processed transfers, and IMPS for smaller amounts that need to land in seconds.

Is there a phone number for this branch?

Yes, this branch's listed contact number is +910221800223344.

Bank of Baroda in other districts of GUJARAT

AHMEDABAD (175)SURAT (108)VADODARA (75)KACHCHH (52)RAJKOT (50)GANDHINAGAR (36)MAHESANA (36)NAVSARI (33)

IFSC and MICR code data sourced from bank-published branch records. While we take care to keep this current, always confirm the IFSC code with your bank before making a large transfer — see our disclaimer for details.