Dena Bank IFSC Code: A Complete 2025 Guide

When you’re transferring money within India, especially for online transactions or UPI payments, you often come across the term “IFSC code”. For former Dena Bank customers—or anyone dealing with legacy accounts following its merger—understanding the Dena Bank IFSC code is crucial even in 2025. In this guide, you’ll find all you need to know about Dena Bank IFSC codes: what they are, how to find one, their relevance after the Dena Bank merger, and answers to practical questions that you may have now.

What is an IFSC Code and Why is it Important?

IFSC, or Indian Financial System Code, is a unique 11-character code assigned to individual bank branches by the Reserve Bank of India (RBI). It’s essential for:

• Transferring funds via NEFT, RTGS, or IMPS
• Ensuring money is routed to the correct bank branch
• Facilitating UPI transactions (especially into older account numbers)

Every time you send money online, the IFSC code ensures your transaction lands in the right place.

Relevance of Dena Bank IFSC Code After Merger in 2025

In 2019, Dena Bank officially merged with Bank of Baroda along with Vijaya Bank, forming a single, larger institution. Many former Dena Bank customers still have old cheque books, passbooks, and account numbers. So, what’s the current status of Dena Bank IFSC codes in 2025?

Does the Dena Bank IFSC Code Still Work in 2025?

For most customers, Dena Bank IFSC codes have transitioned to Bank of Baroda (BOB) IFSC codes. However:

• Many UPI apps and marketplaces may auto-recognise old IFSC codes for the interim
• RBI and Bank of Baroda have issued periodic reminders to update account details
• If you haven’t updated your details, you may face transaction failures or delays

Key Point: For all practical purposes in 2025, you should use the new Bank of Baroda IFSC code mapped to your former Dena Bank branch/account.

How Does an IFSC Code Work?

Here’s how most IFSC codes are structured:

Example IFSC:

• Old Dena Bank IFSC: BKDN0001755
• New (post-merger) IFSC: BARB0DBFAMY

How to Find Your Dena Bank IFSC Code in 2025

How can I check my account’s IFSC code?

You can identify your old Dena Bank IFSC code and the current BOB IFSC code in multiple ways:

1. Check Official Documents

• Cheque Book/Past Passbook: The IFSC code was always printed at the top of cheque leaves or on the first page of passbooks.
• Account Statements: Locate IFSC alongside account details.

2. Online Tools & Banking Websites

• Bank of Baroda IFSC Finder: https://www.bankofbaroda.in/branch-locator
• RBI IFSC Directory: https://www.rbi.org.in/Scripts/IFSCMICRDetails.aspx
• UPI/Marketplace Apps: When adding an account, apps like Google Pay, PhonePe, or Paytm may suggest the correct IFSC code.

3. Customer Support

• Visit any Bank of Baroda branch or use their helpline for IFSC code clarification
• Service numbers and online chat support can provide instant info

4. SMS and Mobile Banking

• Many banks allow users to send a specific SMS to receive their account IFSC and MICR code instantly.

Dena Bank IFSC Code Format (Before and After Merger)

How to Interpret the Code:

• First 4 characters: Bank code (BKDN for Dena, BARB for BOB)
• Next 1 character: Usually 0, reserved by RBI
• Last 6 characters: Branch code (may remain same or updated post-merger)

Real-World Experience: What If I Use an Old Dena Bank IFSC Code?

Will my transaction fail if I use the older Dena Bank code?

If you’re using net banking or a payment app:

• The app might replace/auto-map the code if your account has already been migrated in the bank’s core system.
• In some cases, the transaction could fail or be delayed.
• In rural or semi-urban areas, some old post-dated cheques with previous codes could be held for clarification, requiring manual intervention.

My Experience (2023-2024):

I tried to transfer funds to my mother’s old Dena Bank account via NEFT using BKDN0001755. The app detected “Dena Bank” and flagged a possible mismatch, suggesting I confirm the branch. When re-entered with the suggested BARB code, the transfer was immediate. After calling customer care, they explained such mismatches are becoming rare, as most accounts are mapped, but for error-free transfers in 2025, always use the BOB IFSC code.

Step-by-Step: Changing From Dena Bank IFSC to Bank of Baroda IFSC

1. Check communications from your home branch or Bank of Baroda for your new IFSC code.
2. Update payees/beneficiary details in your net banking, UPI, and online marketplaces (Amazon, Flipkart, etc.).
3. Order a new cheque book if needed; it will display the new IFSC.
4. Inform employers or any recurring senders about the updated IFSC code.
5. Test with a small fund transfer before attempting larger transactions.

Pro-Tip: If you’re receiving pension payments or direct benefit transfers, make sure your IFSC is updated in government databases; this avoids payment blocks or delays.

When Do You Need a Dena Bank IFSC Code Today?

• For historical reference: If you’re tracing old transactions done before 2019
• Unmigrated accounts: Rare cases where account migration is pending
• Verification: When verifying old cheque leafs or documents

Otherwise, for most practical purposes, you must use the updated Bank of Baroda IFSC code assigned to your former Dena Bank account.

Common Issues and Solutions in 2025

What if my payment bounces back?

• Double check if you’ve entered the current IFSC code.
• Ask your branch for the mapped BOB IFSC code and update records.
• In online marketplaces, re-add your bank as a new account with updated IFSC.

How do I update my IFSC code for my salary or pension?

• Submit a request at your HR/payroll or to the government department, attaching new IFSC proof (from passbook or bank letter).
• For NPS or EPF, update details in your online portal or nearest customer service centre.

Are there charges for updating the IFSC or ordering new cheques?

• Updating the IFSC is free.
• Minimal charges may apply for new passbooks or cheque books as per Bank of Baroda policy.

List: Key Differences Between Dena Bank and Bank of Baroda IFSC Codes

• Bank code: ‘BKDN’ vs. ‘BARB’
• Branch code: Sometimes retained, sometimes changed for system consistency
• Legacy status: Dena Bank IFSC mostly phased out for regular online uses

How Online Marketplaces and UPI Apps Manage Migrated Accounts

In apps like Google Pay, PhonePe, and Amazon Pay, account updates tend to happen automatically when you re-add or verify your account:

• If prompted for IFSC, enter the new BOB code (BARB0DBXXXX)
• Apps that fetch account via Account Number + IFSC will match with the latest database
• Sometimes, you may need to delete and re-add the beneficiary to flush out old codes

Frequently Used or Example Dena Bank IFSC Codes (for Illustration)

Table: Where to Find or Use Your IFSC Code

Dos and Don’ts: Managing IFSC Codes Post Dena Bank

Dos:

• Always confirm the latest IFSC code with Bank of Baroda
• Update saved payees and favourite transactions
• Inform organisations (employers, mutual funds, brokers) of change

Don’ts:

• Don’t continue using the Dena Bank IFSC for new transfers
• Don’t ignore SMS or email updates regarding IFSC changes
• Don’t neglect updating details on all platforms (especially online marketplaces)

TLDR / Quick Recap

• Dena Bank IFSC codes are mostly obsolete after the merger; use Bank of Baroda IFSC codes for former Dena Bank accounts in 2025.
• Your IFSC code is mandatory for NEFT, RTGS, IMPS, UPI, and online marketplace transactions.
• Always check recent passbook or with Bank of Baroda for the correct IFSC.
• Update all saved beneficiary records and payment details everywhere (employers, government, apps).
• For any confusion, contact your branch or Bank of Baroda customer care for clarification.

People Also Ask (FAQs)

Is the Dena Bank IFSC code still valid in 2025?
In almost all cases, no. You must use the Bank of Baroda IFSC code assigned to your existing ex-Dena Bank account.

Where can I find my new IFSC code?
Check your latest passbook, cheque book, Bank of Baroda’s official website, or ask at your home branch.

Do I need to change my account number too?
Typically, account numbers are retained wherever possible, but always confirm with your branch.

What if I use the old IFSC by mistake?
Your transaction may fail or be delayed; always use the updated IFSC for uninterrupted service.

How do I update my IFSC for UPI/marketplaces?
Remove the old bank account and add your account again using the new IFSC code, as required by your app.

Who can help if I’m unsure about my IFSC code?
Reach out to Bank of Baroda’s customer support or visit any branch for quick assistance.

This guide gives you a comprehensive, plain-English understanding of Dena Bank IFSC codes in 2025, ensuring your online transfers and receipts flow smoothly in today’s banking landscape.