IFSC Code of Bank of Baroda, M S M E-Aizawl Branch, Mizoram

Below are the complete branch details for Bank of Baroda, M S M E-AIZAWL branch, located in AIZAWL, MIZORAM. The IFSC assigned by the Reserve Bank of India to this branch is BARB0VJAIZA. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case BARB0VJAIZA for Bank of Baroda – M S M E-AIZAWL — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For Bank of Baroda's M S M E-AIZAWL branch, the IFSC BARB0VJAIZA breaks down as follows: BARB identifies the bank, 0 is the reserved character, and VJAIZA identifies this particular branch.

Branch details at a glance

About the bank

Bank of Baroda serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its M S M E-Aizawl branch in Aizawl, Mizoram is part of this network and uses the IFSC code BARB0VJAIZA for all electronic settlement.

About the M S M E-Aizawl branch

The M S M E-Aizawl branch of Bank of Baroda is situated at P B NO 56 , BARA BAZAR , AIZAWL , AIZAWL , 796001. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code BARB0VJAIZA is used.

Why every Bank of Baroda branch has a unique IFSC

Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including M S M E-AIZAWL of Bank of Baroda — its own 11-character IFSC. The code BARB0VJAIZA is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.

Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC BARB0VJAIZA the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC BARB0VJAIZA

Online transfers in India are powered by three major channels — NEFT, RTGS and IMPS — and each one requires a destination IFSC. Below is a quick guide for using IFSC BARB0VJAIZA across all three.

NEFT to Bank of Baroda, M S M E-AIZAWL using IFSC BARB0VJAIZA

National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.

To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC BARB0VJAIZA, and confirm that the system picks up Bank of Baroda – M S M E-AIZAWL. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to M S M E-AIZAWL

If you need to transfer ₹2 lakh or more in one go to an account at Bank of Baroda's M S M E-AIZAWL branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BARB0VJAIZA while initiating the transfer and the credit will appear within minutes.

IMPS to Bank of Baroda M S M E-AIZAWL (IFSC BARB0VJAIZA)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BARB0VJAIZA in your mobile or internet banking app, and the money is credited to the M S M E-AIZAWL branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC BARB0VJAIZA for Bank of Baroda – M S M E-AIZAWL, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.

For most retail customers crediting the M S M E-Aizawl branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.

UPI payments and IFSC BARB0VJAIZA

UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at Bank of Baroda – M S M E-AIZAWL is still mapped to IFSC BARB0VJAIZA. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.

If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC BARB0VJAIZA and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the M S M E-Aizawl branch is mapped to IFSC BARB0VJAIZA on the RBI payments network. The branch generally supports the full retail product catalogue of Bank of Baroda, including:

• Resident savings accounts and salary accounts
• Current accounts for businesses and professionals
• Fixed deposits, recurring deposits and tax-saver deposits
• Demand drafts, banker's cheques and pay orders
• Retail loans — personal, vehicle, education, gold and home
• Credit cards and overdraft facilities (subject to eligibility)
• Third-party investment products such as mutual funds and insurance (through tie-ups)

Whichever product you choose, the IFSC for incoming credits remains BARB0VJAIZA.

Products and services

Customers walking into the M S M E-Aizawl branch can access most of Bank of Baroda's standard product suite, including:

• Account opening – savings, current, NRI, salary
• Term deposits and recurring deposits
• Retail and small-business loans
• Insurance and mutual-fund tie-ups
• Locker, safe deposit and ATM card services
• Online and mobile banking activation
• Electronic transfers via IFSC BARB0VJAIZA

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by Bank of Baroda carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC BARB0VJAIZA and the account number together uniquely identify the M S M E-Aizawl branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Digital banking channels

Most day-to-day work that customers used to do at the M S M E-Aizawl branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC BARB0VJAIZA is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.

Things to verify before sending money

Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to Bank of Baroda – M S M E-AIZAWL:

• The IFSC is exactly BARB0VJAIZA with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills Bank of Baroda as the bank name and M S M E-AIZAWL as the branch.
• The amount and the purpose of payment are correct.
• You have a valid OTP-verifying mobile number on hand.

A 30-second review here saves hours of reconciliation later.

How to reach the M S M E-Aizawl branch

The branch is located at P B NO 56 , BARA BAZAR , AIZAWL , AIZAWL , 796001, which puts it inside Aizawl, the broader Aizawl district, and the state of Mizoram. To plan your visit:

1. Open Google Maps on your phone and search for “Bank of Baroda M S M E-Aizawl branch” — the verified location pin for IFSC BARB0VJAIZA should appear at the top of the results.
2. Confirm the branch is open by calling 22-1800223344 before stepping out, especially around public holidays.
3. Carry photo ID and any account-related documents you may need for the transaction you plan to do.

Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC BARB0VJAIZA and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC BARB0VJAIZA for Bank of Baroda – M S M E-AIZAWL, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

Branch banking hours and holidays

Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The M S M E-Aizawl branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BARB0VJAIZA, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code BARB0VJAIZA belongs to Bank of Baroda's M S M E-AIZAWL branch, located at P B NO 56 , BARA BAZAR , AIZAWL , AIZAWL , 796001 in AIZAWL, MIZORAM. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.