BARBBranch Code: VJFOCA

Bank of Baroda IFSC Code

FOCAL POINT Branch, LUDHIANA, LUDHIANA, Punjab

Primary IFSC Code

BARB0VJFOCA

Banking information from our maintained dataset. Last Verified: 23 Sept 2026

The official Indian Financial System Code (IFSC) for Bank of Baroda, FOCAL POINT branch in LUDHIANA, Punjab is BARB0VJFOCA. The MICR code for cheque clearance is 141012024.

Branch Fact Sheet & Electronic Routing Details

Bank Name: Bank of Baroda
Branch Name: FOCAL POINT
MICR Code: 141012024
City / District: LUDHIANA (LUDHIANA)
State: Punjab
Postal Pincode: 141010

Full Branch Address

MAIN FOCAL POINT, BXXX, 1626C, MAIN FOCAL POINT ROAD, OPPOSITE PUNJAB SINDH BANK , LUDHIANA , LUDHIANA , 141010, Pincode: 141010

Contact Details

Phone: +910221800223344

How to Read IFSC Code: BARB0VJFOCA

An Indian Financial System Code (IFSC) is a unique 11-character alphanumeric code assigned by the Reserve Bank of India to identify bank branches for electronic payment systems.

BARBBank Identifier

First 4 alphabetic characters identify Bank of Baroda.

0Control Character

5th character is always numeral '0', reserved for future use.

VJFOCABranch Code

Last 6 alphanumeric characters identify the specific physical branch.

Payment Systems Supported by this IFSC Code

Payment System	Settlement Time	Minimum Amount	Availability	Ideal For
NEFT (National Electronic Funds Transfer)	Half-hourly batches	₹1 (No minimum)	24x7x365	Routine bills, small & medium transactions
RTGS (Real Time Gross Settlement)	Real-time instant	₹2,00,000	24x7x365	High-value urgent financial transfers
IMPS (Immediate Payment Service)	Immediate	₹1 (Max ₹5 Lakh)	24x7x365	Instant mobile banking & emergency transfers

Both NEFT and RTGS operate around the clock in India. Always double check the 11-digit IFSC code and recipient account number before submitting your transfer.

Frequently Asked Questions: Bank of Baroda (BARB0VJFOCA)

What is the IFSC Code for Bank of Baroda FOCAL POINT branch?

The IFSC Code for Bank of Baroda FOCAL POINT branch in LUDHIANA, Punjab is BARB0VJFOCA. It is used for NEFT, RTGS, and IMPS funds transfer.

What is the address of Bank of Baroda FOCAL POINT branch?

The branch is located at: MAIN FOCAL POINT, BXXX, 1626C, MAIN FOCAL POINT ROAD, OPPOSITE PUNJAB SINDH BANK , LUDHIANA , LUDHIANA , 141010, Pincode: 141010, LUDHIANA, Punjab.

What is the MICR Code for Bank of Baroda FOCAL POINT?

The MICR Code for electronic cheque clearing at Bank of Baroda FOCAL POINT is 141012024.

How can I contact Bank of Baroda FOCAL POINT branch?

You can contact the branch at: Phone: +910221800223344. For official national customer care, refer to Bank of Baroda's official banking channels.

How to decipher the IFSC code BARB0VJFOCA?

The first 4 characters 'BARB' represent Bank of Baroda. The 5th character is '0' reserved for future use. The last 6 characters 'VJFOCA' represent the specific FOCAL POINT branch code.