Bank of Baroda SWIFT Code: BARBINBB

Bank of Baroda SWIFT Code: BARBINBB

The Bank of Baroda swift code for international wire transfers is BARBINBB — the identifier used by banks outside India to route funds to Bank of Baroda accounts across the country.

What Is the Bank of Baroda SWIFT Code?

The Bank of Baroda SWIFT code is BARBINBB. It is the primary SWIFT/BIC code for Bank of Baroda, one of India's largest public sector banks and a major destination for NRI remittances and US business payments to Indian counterparties. You may also see it written as BARBINBBXXX — the XXX suffix indicates no specific branch, and both formats are accepted by international sending banks.

Breaking down the code: BARB identifies Bank of Baroda, IN is India's ISO country code, and BB references Baroda (now Vadodara), the bank's founding city and registered head office location.

Bank of Baroda SWIFT vs. IFSC Code

As with all Indian banks, wiring to Bank of Baroda requires two separate routing identifiers — and omitting either one causes the transfer to fail or be held.

The SWIFT code (BARBINBB) identifies Bank of Baroda to the global banking network. It routes the wire from your US bank to Bank of Baroda's international processing center in India.

The IFSC code (Indian Financial System Code) is an 11-character alphanumeric code that identifies the specific Bank of Baroda branch where the recipient's account is held. Once the wire arrives at Bank of Baroda, the IFSC routes the funds to the correct branch and account. Without it, Bank of Baroda cannot post the funds to the right account.

Bank of Baroda IFSC codes follow this format: BARB followed by a 0 and a 6-character branch identifier. The recipient must provide their branch-specific IFSC directly — it is available through Bank of Baroda's mobile banking app, online banking portal, account statements, and on the bottom of Bank of Baroda cheques.

How to Wire Money from the US to Bank of Baroda

To send an international wire from the US to a Bank of Baroda account, provide your bank with the following:

Recipient name: Full legal name, exactly as it appears on the Bank of Baroda account Account number: Full Bank of Baroda account number IFSC code: 11-character branch-specific IFSC starting with BARB (from recipient) SWIFT/BIC code: BARBINBB Bank name: Bank of Baroda Bank address: Bank of Baroda, Surajplaza-1, Sayajigunj, Vadodara, Gujarat 390005, India Purpose of remittance: Specific description tied to an RBI purpose code Recipient address: Full physical address of the account holder

Some US sending banks consolidate the IFSC and account number into a single field. Confirm your bank's preferred format before initiating — both the IFSC and account number must be present and accurate for the wire to post correctly.

Bank of Baroda Branch SWIFT Codes

BARBINBB is Bank of Baroda's head office SWIFT code and handles the vast majority of international wire transfers to India. For standard business payments — contractors, vendors, employees — BARBINBB is sufficient. The IFSC handles branch-level routing once the wire reaches Bank of Baroda's systems.

Bank of Baroda also operates international branches across multiple countries, each with its own distinct SWIFT code separate from BARBINBB. Some examples:

BARBUS33 — Bank of Baroda, United States BARBGB22 — Bank of Baroda, United Kingdom BARBAEADXXX — Bank of Baroda, UAE

If you are wiring to a Bank of Baroda branch outside India, do not use BARBINBB — use the SWIFT code specific to that country's branch. If a recipient or Bank of Baroda relationship manager specifies a branch-level code for a particular transaction type, use what they provide.

NRE vs. NRO Account Transfers to Bank of Baroda

Bank of Baroda is a major NRI banking destination, and the distinction between NRE and NRO accounts affects how incoming wires are handled on the recipient's end.

NRE accounts (Non-Resident External) hold rupees funded by foreign earnings and are fully repatriable — the account holder can convert back to foreign currency and transfer abroad without restriction. Interest earned on NRE accounts is tax-exempt in India. For US businesses wiring to Indian contractors or employees who want maximum flexibility with their funds, NRE is typically the preferred account type.

NRO accounts (Non-Resident Ordinary) hold income earned in India — rent, dividends, pensions — and are subject to repatriation limits and tax withholding. Repatriation from NRO accounts is capped at USD $1 million per financial year and requires supporting documentation and tax clearance. For US businesses, wiring contractor or vendor payments to an NRO account is less common and creates more administrative overhead for the recipient.

The wire instructions for NRE and NRO accounts are structurally the same — SWIFT code, IFSC, account number — but the account type determines what the recipient can do with the funds afterward. Confirm account type with your recipient before initiating, especially for recurring payments.

FEMA and RBI Compliance for Bank of Baroda Wires

India's Foreign Exchange Management Act (FEMA), administered by the Reserve Bank of India, governs all incoming international wire transfers and imposes requirements that US businesses sending payments to India need to understand.

RBI purpose codes. Every international wire to India must be accompanied by a purpose code — a standardized RBI classification describing the nature of the payment. Common codes for business transfers include:

P0801 — Software services P0802 — Hardware/software consultancy P1006 — Professional and management consulting fees P1007 — Technical services

Bank of Baroda requires the purpose code at the time the wire is processed. Your US bank may ask for it at initiation, or Bank of Baroda may request it from the recipient on receipt. Either way, the correct purpose code must accompany the transfer.

Documentary thresholds. Incoming wires above certain amounts — and for certain purpose categories — require supporting documentation before Bank of Baroda releases funds to the recipient's account. A contract, invoice, or service agreement that matches the declared purpose code is typically sufficient.

Form 15CA/15CB. For certain business payments to Indian recipients, the US remitter may need to file Form 15CA — an online declaration with India's Income Tax department — before the wire is initiated. For payments above approximately $6,000 USD in categories subject to Indian tax withholding, a chartered accountant's certificate (Form 15CB) may also be required. Confirm applicability with a tax advisor familiar with US-India cross-border payments if your transfer amounts or frequency triggers this requirement.

Common Mistakes When Wiring to Bank of Baroda

Missing the IFSC code. The SWIFT code routes the wire to Bank of Baroda. The IFSC routes it to the right branch and account. Sending BARBINBB without an IFSC leaves the funds at Bank of Baroda's international processing center with no instruction on where to post them — triggering a manual hold and delay.

Using the wrong branch IFSC. IFSC codes are branch-specific. An IFSC from a different Bank of Baroda branch than where the account is held will cause a posting failure. The recipient must confirm their exact branch IFSC — do not guess or use a generic code.

NRE vs. NRO account confusion. Wiring to the wrong account type creates problems for the recipient, not the sender. But if the recipient later needs to repatriate funds and discovers they landed in an NRO account instead of an NRE account, unwinding it involves additional documentation and potential tax exposure. Confirm before initiating.

FEMA documentation gaps. Wires that arrive without a valid RBI purpose code, or that exceed documentation thresholds without accompanying paperwork, get held at Bank of Baroda pending compliance review. For recurring payments, establishing a documentation template for each vendor or contractor relationship eliminates this friction at the per-transaction level.

How Slash Helps

US companies with India-based engineering, operations, or vendor teams deal with one of the more documentation-intensive international wire workflows available — FEMA purpose codes, branch-specific IFSC requirements, NRE vs. NRO account distinctions, and potential Form 15CA/15CB filings. Each payment carries compliance overhead that compounds for businesses running regular payroll or vendor payments.

Slash is built for US businesses managing distributed international teams. For Bank of Baroda account holders who accept card payments, Slash virtual cards let you pay directly without initiating a wire — no IFSC lookup, no purpose code, no RBI documentation hold per transaction. For payments that require a bank wire, Slash's real-time spend tracking records every transaction at initiation with vendor-level categorization, giving your finance team a timestamped and organized record of every payment made to Indian counterparties. Transparent FX rates mean the cost of every rupee-denominated payment is visible before you approve it.