Bank Of Baroda Ratia IFSC Code
Bank Of Baroda
IFSC · Used for NEFT, IMPS & RTGS
MICR · Used for Cheque Clearance
Branch
Ratia
District
Ratia
State
Haryana
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Frequently Asked Questions
About Bank Of Baroda Ratia (gali Tohana Road Ratia Fateh - Rati), Ratia
The IFSC code BARB0VJRATI (lowercase: barb0vjrati) belongs to Bank Of Baroda, specifically the Ratia (gali Tohana Road Ratia Fateh - Rati) branch located in Ratia, Haryana.
The 5th character in the IFSC code BARB0VJRATI is a zero (0), not the letter 'O'. The correct format is BARB0VJRATI (lowercase: barb0vjrati), and not BARBOVJRATI. According to RBI guidelines, the fifth character of all IFSC codes is reserved as a zero.
The IFSC code of Bank Of Baroda Ratia (gali Tohana Road Ratia Fateh - Rati) in Ratia, Haryana is BARB0VJRATI. This 11-character code is required for all NEFT, RTGS and IMPS electronic fund transfers to this branch.
Bank Of Baroda Ratia (gali Tohana Road Ratia Fateh - Rati) is located at Near Dashmesh Gurdwara Gali, , Tohana Road, , Ratia , Fatehabad , 125051, Ratia, Haryana. You can click the "View on Google Maps" button on this page to get directions.
The MICR (Magnetic Ink Character Recognition) code of Bank Of Baroda Ratia (gali Tohana Road Ratia Fateh - Rati) is 125012302. MICR codes are used for cheque processing and are printed at the bottom of cheque leaves in magnetic ink.
Yes. IFSC code BARB0VJRATI is valid for all three RBI-regulated transfer modes: NEFT (settled in 30-minute batches, no minimum), RTGS (real-time, minimum ₹2 lakh), and IMPS (instant, up to ₹5 lakh). All modes are available 24×7×365 as per RBI guidelines issued in December 2019.
You can verify IFSC code BARB0VJRATI by checking: (1) The top-left corner of any Bank Of Baroda Ratia (gali Tohana Road Ratia Fateh - Rati) cheque leaf, (2) The first page of your Bank Of Baroda passbook, (3) Your net banking or mobile banking app under "Branch Details", or (4) The RBI's official IFSC lookup at rbi.org.in.
Understanding IFSC Code: BARB0VJRATI
Decoded structure — 4 + 1 + 6 characters
Visual Breakdown
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BARB0VJRATI
What Each Part Means
- Bank Code — BARB
- The first 4 characters uniquely identify Bank Of Baroda at the national level. Every branch of Bank Of Baroda across all states shares this same prefix. It is assigned by the RBI and never changes.
- Reserved — 0
- The 5th character is always 0 (zero), reserved by the RBI for future use. It acts as a separator between the bank identifier and the branch-specific code and is mandatory in all electronic fund transfer systems.
- Branch Code — VJRATI
- The final 6 characters VJRATI uniquely identify this specific branch within the Bank Of Baroda network. No two branches share the same branch code. Use this code to verify you have the correct branch before initiating any NEFT, RTGS, or IMPS transfer.
| Segment | Chars | Value | Purpose |
|---|---|---|---|
| Bank Code | 1–4 | BARB | Identifies Bank Of Baroda |
| Reserved | 5 | 0 | RBI reserved (always 0) |
| Branch Code | 6–11 | VJRATI | Unique to this branch |
Where to Find IFSC & MICR on Your Cheque
Interactive cheque leaf mockup — highlighted fields show live values from this branch
Swipe left to view full cheque
Bank Of Baroda
Ratia (gali Tohana Road Ratia Fateh - Rati), Ratia, Haryana
Cheque No.
00000000
A/c No.
Authorised Signatory
IFSC vs MICR — Functional Comparison
Two different codes, two different banking systems
| Feature | IFSC Code | MICR Code |
|---|---|---|
| Full Form | Indian Financial System Code | Magnetic Ink Character Recognition |
| Length & Format | 11 characters — alphanumeric | 9 digits — numeric only |
| This Branch | BARB0VJRATI | 125012302 |
| Primary Use | Electronic fund transfers: NEFT, RTGS, IMPS, UPI | Physical cheque clearing at clearing houses |
| Medium | Digital / online — no physical document needed | Printed in magnetic ink on cheque leaf bottom band |
| Processing Speed | Real-time (IMPS/UPI) or 30-min batches (NEFT) | T+1 or T+2 clearing cycle via RBI clearing houses |
| Where to Find It | Cheque leaf (top area), passbook first page, net banking | Bottom band of cheque leaf (the printed magnetic strip) |
| Assigned By | RBI — permanent unless branch is relocated/merged | RBI — encodes city (3) + bank (3) + branch (3) digits |
| Required For | Adding a payee / beneficiary for online transfer | Cheque book issuance and clearing house processing |
Source: Reserve Bank of India (RBI) Payment Systems Guidelines. IFSC mandatory for NEFT/RTGS/IMPS since 2010; MICR used by CTS-2010 standard cheque clearing.