Overview of IFSC Code BARB0TRDLUD: The IFSC code BARB0TRDLUD uniquely identifies the Bank Of Baroda branch located at Civil Lines Pakhowal Road Ludhiana in the Ludhiana district of Punjab. This 11-digit alphanumeric code is mandatory for routing electronic fund transfers like NEFT, RTGS, and IMPS to the correct bank account.

IFSC Code BARB0TRDLUD - Bank Of Baroda Civil Lines Pakhowal Road Ludhiana

BARB0TRDLUD Bank Of Baroda Civil Lines Ludhiana Punjab

CIVIL LINES BRANCH PAKHOWAL ROAD LUDHIANA 141 002

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Quick Info

IFSC: BARB0TRDLUD

Pincode: 141002

District: Ludhiana

Status: Active

About Bank Of Baroda Civil Lines Pakhowal Road Ludhiana

IFSC Code BARB0TRDLUD belongs to Bank Of Baroda Civil Lines Pakhowal Road Ludhiana branch located in Civil Lines, Ludhiana, Punjab. This branch serves customers in Civil Lines, Ludhiana, Punjab and surrounding areas.

Understanding IFSC Code BARB0TRDLUD

The IFSC (Indian Financial System Code) BARB0TRDLUD is an 11-character alphanumeric code assigned by the Reserve Bank of India (RBI) to uniquely identify this specific bank branch. The code structure follows a specific format:

  • First 4 characters (BARB): Bank code identifying Bank Of Baroda
  • 5th character (0): Reserved for future use (always 0)
  • Last 6 characters (TRDLUD): Unique branch identifier for Civil Lines Pakhowal Road Ludhiana
Electronic Fund Transfer Services

IFSC Code BARB0TRDLUD is essential for all electronic fund transfers in India. This code ensures that money transfers are routed to the correct bank branch. The following payment systems use IFSC codes:

NEFT (National Electronic Funds Transfer)

Batch processing system for fund transfers. Available Yes at this branch.

Processing: Multiple batches daily, typically settles within 2 hours during banking hours.

RTGS (Real Time Gross Settlement)

Real-time fund transfer for high-value transactions (minimum ₹2 lakh). Available Yes at this branch.

Processing: Real-time settlement, typically within minutes during RTGS hours.

IMPS (Immediate Payment Service)

24/7 instant fund transfer service via mobile or internet banking. Available Yes at this branch.

Processing: Instant transfer, available 24/7 including holidays.

UPI (Unified Payments Interface)

Instant mobile payment system using UPI ID or QR code. Available Yes at this branch.

Processing: Instant transfer, available 24/7, no IFSC code needed for UPI transactions.

Branch Location and Accessibility

The Bank Of Baroda Civil Lines Pakhowal Road Ludhiana branch is located at CIVIL LINES BRANCH PAKHOWAL ROAD LUDHIANA 141 002 (Pincode: 141002) in Civil Lines, Ludhiana, Punjab. This location serves customers in Civil Lines, Ludhiana, Punjab and nearby areas. When initiating any electronic fund transfer to an account held at this branch, you must use IFSC Code BARB0TRDLUD to ensure the transaction is routed correctly.

How to Use IFSC Code BARB0TRDLUD

When making online fund transfers to an account at this branch, you will need:

  1. IFSC Code: BARB0TRDLUD (for NEFT, RTGS, IMPS)
  2. Account Number: The recipient's account number
  3. Account Holder Name: As registered with the bank
Important: Always verify the IFSC code before initiating any fund transfer. Incorrect IFSC codes can result in failed transactions or funds being sent to the wrong branch. This IFSC code information is verified from official Reserve Bank of India (RBI) records and is updated regularly to ensure accuracy.
Finding Other Bank Of Baroda Branches

If you're looking for other Bank Of Baroda branches in Civil Lines, Ludhiana, Punjab or nearby areas, use our Bank Of Baroda branch finder. You can search by city, district, or state to find all Bank Of Baroda branches with their respective IFSC codes.

Branch Details
IFSC Code: BARB0TRDLUD
Bank Name: Bank Of Baroda
Branch Name: Civil Lines Pakhowal Road Ludhiana
Address: CIVIL LINES BRANCH PAKHOWAL ROAD LUDHIANA 141 002
City: Civil Lines
District: Ludhiana
State: Punjab
Pincode: 141002
Payment Services Available
NEFT
Available
RTGS
Available
IMPS
Available
UPI
Available
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Bank Of Baroda Civil Lines Pakhowal Road Ludhiana Branch IFSC Code BARB0TRDLUD — Complete Banking Guide for Civil Lines, Punjab

IFSC code BARB0TRDLUD belongs to the Civil Lines Pakhowal Road Ludhiana branch of Bank Of Baroda in Civil Lines, Ludhiana district, Punjab. This 11-character code, assigned by the Reserve Bank of India, is mandatory for all digital fund transfers — NEFT, RTGS, IMPS, and UPI. Every payment initiated to an account at this branch must include IFSC BARB0TRDLUD to ensure accurate routing through India's centralised payment infrastructure. Providing an incorrect IFSC may delay or fail the transaction, so always verify the code before confirming any transfer.

About Bank Of Baroda, Civil Lines Pakhowal Road Ludhiana Branch

The Civil Lines Pakhowal Road Ludhiana branch of Bank Of Baroda in Civil Lines, Punjab serves retail and corporate customers in Ludhiana district with a full range of banking products. Services typically include savings and current accounts, fixed and recurring deposits, personal and home loans, vehicle finance, trade finance, locker facilities, and wealth management. The branch also supports digital banking — internet banking, mobile banking, UPI, and contactless debit/credit card issuance. Its IFSC BARB0TRDLUD is the key identifier for all fund transfers routed to accounts at this location through RBI's payment systems.

Payment Methods Using IFSC BARB0TRDLUD

Four primary digital payment rails use IFSC BARB0TRDLUD for transfers to Bank Of Baroda, Civil Lines Pakhowal Road Ludhiana: NEFT — batch-based, 48 half-hourly settlements daily, no minimum amount, ideal for regular transfers; RTGS — real-time, 24×7, minimum ₹2 lakh, used for high-value transactions; IMPS — instant, 24×7, up to ₹5 lakh, best for urgent transfers; UPI — uses Virtual Payment Address (VPA) linked to accounts at this branch, instant and zero-cost for most transactions. For each method, the sender's bank verifies IFSC BARB0TRDLUD against the RBI IFSC master list before processing the payment.

MICR Code and Branch Details

In addition to the IFSC, the Civil Lines Pakhowal Road Ludhiana branch of Bank Of Baroda in Civil Lines carries a MICR (Magnetic Ink Character Recognition) code — a 9-digit number printed on cheques that identifies the bank, city, and branch for cheque clearing through the MICR-based clearing system. While NEFT/RTGS/IMPS use the IFSC BARB0TRDLUD exclusively for electronic transfers, MICR remains relevant for paper-based cheque processing. Both codes are listed on this page for complete branch reference.

How to Verify IFSC BARB0TRDLUD Before Transferring

Before initiating any high-value transfer to IFSC BARB0TRDLUD, verify the code through: (1) the RBI's official IFSC repository at rbi.org.in; (2) Bank Of Baroda's official website branch locator; (3) MahaFind's IFSC lookup — the page you are currently viewing. Cross-reference the branch address and bank name displayed here against the details provided by your recipient to confirm accuracy. A mismatch in even one character of the IFSC can reroute your transfer to a different branch entirely.

FAQs — Bank Of Baroda Civil Lines Pakhowal Road Ludhiana, Civil Lines IFSC

What is the IFSC of Bank Of Baroda Civil Lines Pakhowal Road Ludhiana in Civil Lines?

The IFSC of Bank Of Baroda, Civil Lines Pakhowal Road Ludhiana branch in Civil Lines, Punjab is BARB0TRDLUD. Use this for NEFT, RTGS, IMPS, and UPI transfers to any account at this branch.

What is the minimum amount for NEFT to IFSC BARB0TRDLUD?

There is no minimum amount for NEFT transfers. You can send as little as ₹1. RTGS requires a minimum of ₹2 lakh. IMPS supports up to ₹5 lakh per transaction. All three use IFSC BARB0TRDLUD to route funds to Bank Of Baroda, Civil Lines Pakhowal Road Ludhiana, Civil Lines.

Who assigns IFSC codes like BARB0TRDLUD?

The Reserve Bank of India (RBI) assigns all IFSC codes in India. Bank Of Baroda applied for the IFSC for its Civil Lines Pakhowal Road Ludhiana branch in Civil Lines, and RBI issued BARB0TRDLUD as the unique identifier. The complete list of valid IFSCs is maintained in RBI's IFSC master directory.

Can I use IFSC BARB0TRDLUD for UPI payments?

UPI payments are linked to a Virtual Payment Address (VPA) rather than an IFSC directly, but the underlying account is mapped to IFSC BARB0TRDLUD at Bank Of Baroda, Civil Lines Pakhowal Road Ludhiana, Civil Lines. When sending money via NEFT/RTGS/IMPS to this branch's account holders, always use IFSC BARB0TRDLUD.

About IFSC Code BARB0TRDLUD

IFSC Code BARB0TRDLUD belongs to Bank Of Baroda branch Civil Lines Pakhowal Road Ludhiana located in Civil Lines, Ludhiana, Punjab.

Branch Information

  • IFSC Code: BARB0TRDLUD
  • Bank: Bank Of Baroda
  • Branch: Civil Lines Pakhowal Road Ludhiana
  • Address: CIVIL LINES BRANCH PAKHOWAL ROAD LUDHIANA 141 002
  • City: Civil Lines
  • District: Ludhiana
  • State: Punjab
  • Pincode: 141002

Payment Services

  • NEFT: Available
  • RTGS: Available
  • IMPS: Available
  • UPI: Available
Note: IFSC (Indian Financial System Code) is an 11-character code used to identify bank branches for electronic fund transfers (NEFT, RTGS, IMPS). Always verify the IFSC code before initiating any transaction.

Frequently Asked Questions

IFSC (Indian Financial System Code) is an 11-character alphanumeric code used to identify bank branches for electronic fund transfers. You can find IFSC code using our IFSC code search tool by entering the bank name, branch name, or the IFSC code itself.

To check IFSC code, use our IFSC code search tool. Enter the bank name and branch name, or search by IFSC code directly. You can also find banks near me by searching with your location.

IFSC code format consists of 11 characters: first 4 characters represent the bank name, followed by a zero (0), and the last 6 characters represent the branch code. For example, HDFC0001234 where HDFC is the bank code and 001234 is the branch code.

To find banks near me, use our IFSC finder tool. Enter your city or location, and we will show you all nearby bank branches with their IFSC codes, addresses, and contact details.

IFSC code is used for electronic fund transfers (NEFT, RTGS, IMPS) and is 11 characters long. MICR code is used for cheque processing and is 9 digits long. Both codes uniquely identify a bank branch.

You can verify IFSC code using our check IFSC code tool. Enter the IFSC code, and we will display the complete branch details including bank name, branch name, address, and available payment services (NEFT, RTGS, IMPS, UPI).

Yes, IFSC code is required for all electronic fund transfer methods including NEFT (National Electronic Funds Transfer), RTGS (Real Time Gross Settlement), and IMPS (Immediate Payment Service). Our tool shows which services are available for each branch.

To get IFSC code by bank name and branch, use our search tool. Select "Search by Bank & Branch" option, enter the bank name (e.g., Bank Of Baroda) and branch name, and we will display the complete IFSC code details.