Bank of Baroda — FOCAL POINT Branch

How to Use BARB0VJFOCA for Money Transfers

The IFSC code BARB0VJFOCA is specifically assigned to the FOCAL POINT branch of Bank of Baroda located in LUDHIANA, PUNJAB. This unique code is mandatory for routing electronic payments correctly within India.

NEFT Transfer

Use BARB0VJFOCA when adding this branch as a beneficiary in NEFT transactions. NEFT operates in half-hourly batches from 12:30 AM to 12:00 AM on all days. Enter the IFSC, account number, and account holder name carefully to ensure successful transfer.

RTGS Transfer

For high-value transactions above ₹2 lakh, RTGS offers real-time gross settlement. Use BARB0VJFOCA along with the beneficiary's exact account number. RTGS is available on working days from 7:00 AM to 6:00 PM.

IMPS & UPI

IMPS and UPI allow instant 24×7 transfers. While UPI apps often auto-resolve the IFSC from the VPA, mobile banking apps require BARB0VJFOCA when registering a new beneficiary.

Always double-check the account number before confirming any transfer — the IFSC routes funds to the correct branch, but the account number specifies the exact recipient.

About Bank of Baroda FOCAL POINT Branch

The FOCAL POINT branch of Bank of Baroda is situated in LUDHIANA, PUNJAB. The branch address is MAIN FOCAL POINT, BXXX, 1626C, MAIN FOCAL POINT ROAD, OPPOSITE PUNJAB SINDH BANK , LUDHIANA , LUDHIANA , 141010. This branch supports electronic payment services including NEFT, RTGS, IMPS, and UPI. You can contact this branch at +910221800223344. Always use the IFSC code BARB0VJFOCA when making any online fund transfer to an account held at this branch.