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 (PHAGWA) represents that it belongs to Phagwara G T Road branch in district Kapurthala of Punjab.
IFSC code (BARB0PHAGWA) 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 You can also verify the same by contacting bank authority of Bank of Baroda since data here could be outdated.
Phagwara G T Road branch of Bank of Baroda is in Punjab state of India.
G.T.ROAD PHAGWARA 144401