Sending Money to Bank of Baroda in India
How to send USD directly to Bank of Baroda accounts in India. Transfer times, IFSC codes, limits, and how Root delivers INR to any Bank of Baroda branch.
This guide is designed for NRIs in the United States who want to send USD and have INR directly credited to a Bank of Baroda account in India. Root makes it easy to transfer money to any Bank of Baroda branch quickly and cost-effectively. We cover transfer times, fees, required details like IFSC codes, and key compliance considerations such as TCS and FEMA regulations. Use this guide to ensure smooth, secure remittances to loved ones with Bank of Baroda accounts.
Bank of Baroda is one of India’s largest public sector banks, known for its strong NRI remittance services and wide branch network. It offers NRO, NRE, and regular savings/current accounts tailored for NRIs. Root currently supports remittances to NRO and regular savings/current accounts at Bank of Baroda, with NRE account support coming soon.
Quick Facts
Transfer Fee
$0 — Root charges zero fees
Exchange Rate
CHECK_LIVE (interbank rate)
Transfer Time
1-4 business days to Bank of Baroda
Account Types
NRO, Savings, Current accounts at Bank of Baroda
IFSC Required
Yes — 11-character code for recipient's branch
How to Send — Step by Step
Create a Root Account
Download the Root app or visit the website and sign up using your U.S. phone number and email. Verify your identity with your passport and U.S. address to comply with FEMA and KYC requirements.
Pro tip: Have your passport and IRS Form W-8BEN ready for faster verification.
Start a New Transfer
Select India as the destination country and choose INR as the payout currency. Enter the amount in USD you wish to send, and Root will display the live exchange rate and estimated INR amount.
Enter Recipient Details
Input your recipient’s full name, Bank of Baroda account number, and ensure it matches the name on the account. Double-check for spelling errors to avoid return delays.
Pro tip: Inform your family to confirm their account details with their local branch if unsure.
Find the IFSC Code
Locate the 11-character IFSC code for the recipient’s Bank of Baroda branch. This can be found on the account holder’s passbook, bank website, or by searching on the RBI’s IFSC directory.
Pro tip: Common format: BARB0XXXYYY — the first 4 letters (BARB) identify Bank of Baroda.
Review and Confirm
Review all details including the transfer amount, exchange rate, and recipient information. Confirm the transaction and complete payment via your linked U.S. bank account or debit card.
Track Your Transfer
Once sent, track your transfer in real time through the Root app. Most transfers arrive in 1-4 business days to any Bank of Baroda account.
Send Money to Bank of Baroda with Root
Zero fees, interbank rate. INR credited directly to any Bank of Baroda account.
Send with RootFrequently Asked Questions
Can I send money from the USA to a Bank of Baroda NRO account?
Yes, Root supports transfers to Bank of Baroda NRO accounts. The recipient must provide their correct account number and IFSC code. Note that TCS of 5% applies if the total remittances to India exceed ₹7,00,000 in a financial year.
How long does it take for funds to reach a Bank of Baroda account?
Transfers typically take 1-4 business days to be credited to a Bank of Baroda account. Delays can occur if the IFSC code is incorrect or during Indian banking holidays, which number around 15–20 per year depending on location.
Is the IFSC code necessary for sending money to Bank of Baroda?
Yes, the 11-character IFSC code is mandatory for all bank-to-bank transfers to Bank of Baroda. Without it, the transfer may fail or be delayed. You can find it on the bank's website, passbook, or via RBI's official IFSC search tool.
Does Root support NRE accounts at Bank of Baroda?
Currently, Root supports transfers to NRO and regular savings/current accounts at Bank of Baroda. NRE account support is in development and expected to be available soon. For now, avoid selecting NRE as the account type during setup.
What is the TCS rate on sending over $8,400 USD to India in a year?
If your total remittances to India exceed ₹7,00,000 (approximately $8,400 at current rates) in a financial year, TCS of 5% applies on the full transaction amount, as per Indian tax rules effective October 2023. This is collected at source by the remittance provider.