The first four characters (BARB) represents that it belongs to Bank of Baroda. The fifth character (0) is reserved for future use. The last 6 characters (PAULUD) represents that it belongs to Punj Agr Uni Ludhiana branch in district Ludhiana of Punjab.
IFSC code (BARB0PAULUD) can be found on the front page of the account holder's passbook or in cheque leaf. You can also verify the same by contacting bank authority of Bank of Baroda since data here could be outdated.
Punj Agr Uni Ludhiana branch of Bank of Baroda is in Punjab state of India.
SCO 17,PAU MARKET, PAU CAMPUS LUDHIANA 141001