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 (PENXXX) represents that it belongs to Pen Dist Raigad branch in district Perambalur of Maharashtra.
IFSC code (BARB0PENXXX) 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 You can also verify the same by contacting bank authority of Bank of Baroda since data here could be outdated.
Pen Dist Raigad branch of Bank of Baroda is in Maharashtra state of India.
GANADHAR NIWAS, NEAR S T STAND, PEN, DIST RAIGAD, MAHARASHTRA 402107