Below are the complete branch details for Bank of Baroda, M S M E-MANDI GOVINGARH branch, located in GOBINDGARH, PUNJAB. The IFSC assigned by the Reserve Bank of India to this branch is BARB0VJMAFA. 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 BARB0VJMAFA for Bank of Baroda – M S M E-MANDI GOVINGARH — 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-MANDI GOVINGARH branch, the IFSC BARB0VJMAFA breaks down as follows: BARB identifies the bank, 0 is the reserved character, and VJMAFA identifies this particular branch.
Branch details at a glance
| Bank Name | Bank of Baroda |
|---|---|
| Branch | M S M E-Mandi Govingarh |
| IFSC Code | BARB0VJMAFA |
| MICR Code | Refer to cheque leaf |
| Branch Address | OPPOSITE BUS STAND , G T ROAD,MANDI GOBINDGARH , FATEHGARH SAHIB DIST. , MANDI GOVINGARH , 147301 |
| City | Gobindgarh |
| District | Fatehgarh Sahib |
| State | Punjab |
| STD Code | 22 |
| Phone | 1800223344 |
Bank profile
Bank of Baroda is among the recognised banks listed on the Reserve Bank of India's payments network. The M S M E-Mandi Govingarh branch — IFSC BARB0VJMAFA — extends the bank's services to customers in and around Gobindgarh, Punjab.
About this branch
The branch is located at OPPOSITE BUS STAND , G T ROAD,MANDI GOBINDGARH , FATEHGARH SAHIB DIST. , MANDI GOVINGARH , 147301. It serves the Gobindgarh region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Bank of Baroda. The IFSC BARB0VJMAFA is used to identify this branch on the RBI payments network.
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-MANDI GOVINGARH of Bank of Baroda — its own 11-character IFSC. The code BARB0VJMAFA 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 BARB0VJMAFA 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 BARB0VJMAFA
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 BARB0VJMAFA across all three.
How to use IFSC BARB0VJMAFA for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Bank of Baroda's M S M E-MANDI GOVINGARH branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC BARB0VJMAFA.
- Confirm the bank name auto-populates as Bank of Baroda and the branch as M S M E-MANDI GOVINGARH.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
Real-Time Gross Settlement to M S M E-MANDI GOVINGARH
If you need to transfer ₹2 lakh or more in one go to an account at Bank of Baroda's M S M E-MANDI GOVINGARH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BARB0VJMAFA while initiating the transfer and the credit will appear within minutes.
IMPS to Bank of Baroda M S M E-MANDI GOVINGARH (IFSC BARB0VJMAFA)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BARB0VJMAFA in your mobile or internet banking app, and the money is credited to the M S M E-MANDI GOVINGARH branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC BARB0VJMAFA for Bank of Baroda – M S M E-MANDI GOVINGARH, 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – BARB0VJMAFA | Yes – BARB0VJMAFA | Yes – BARB0VJMAFA |
For most retail customers crediting the M S M E-Mandi Govingarh 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 BARB0VJMAFA
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-MANDI GOVINGARH is still mapped to IFSC BARB0VJMAFA. 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 BARB0VJMAFA and the beneficiary's account number to complete the transfer.
Account types you can open at the M S M E-Mandi Govingarh branch
Once you have an account at Bank of Baroda – M S M E-MANDI GOVINGARH, the IFSC BARB0VJMAFA stays the same regardless of the type of account you hold. The branch typically supports the following options:
- Savings account — for individuals, with chequebook, ATM card and net-banking access.
- Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
- Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
- NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
- Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
- Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
- Minor and student accounts — operated jointly with a guardian until the customer turns 18.
Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.
Banking services available
The M S M E-Mandi Govingarh branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 22-1800223344.
- Savings, current and salary accounts
- Fixed deposits and recurring deposits
- Personal, vehicle and home loans
- Demat and investment products (where supported)
- Internet banking and mobile banking enrolment
- Debit and credit card issuance
- Locker facilities (subject to availability)
- Foreign exchange services (at authorised branches)
- Bill payments, demand drafts and pay orders
- NEFT / RTGS / IMPS / UPI fund transfers using IFSC BARB0VJMAFA
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 BARB0VJMAFA and the account number together uniquely identify the M S M E-Mandi Govingarh 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-Mandi Govingarh 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 BARB0VJMAFA 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-MANDI GOVINGARH:
- The IFSC is exactly BARB0VJMAFA 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-MANDI GOVINGARH 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.
Reaching the branch
The M S M E-Mandi Govingarh branch sits at OPPOSITE BUS STAND , G T ROAD,MANDI GOBINDGARH , FATEHGARH SAHIB DIST. , MANDI GOVINGARH , 147301. If you are travelling from outside Gobindgarh, search for the branch on a maps application using the bank name and locality, or call 22-1800223344 to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC BARB0VJMAFA and your account number.
Verifying IFSC BARB0VJMAFA from official sources
The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm BARB0VJMAFA by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 22-1800223344.
- Visiting the bank's official branch locator page.
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-Mandi Govingarh branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BARB0VJMAFA, however, work 24x7.
Branch address & contact
Bank of BarodaM S M E-Mandi Govingarh Branch
OPPOSITE BUS STAND , G T ROAD,MANDI GOBINDGARH , FATEHGARH SAHIB DIST. , MANDI GOVINGARH , 147301
Gobindgarh, Punjab
Phone: 22-1800223344
IFSC: BARB0VJMAFA
Frequently asked questions
Is IFSC BARB0VJMAFA the same for all accounts at M S M E-Mandi Govingarh branch?
Yes. The IFSC BARB0VJMAFA is shared by every account held at Bank of Baroda's M S M E-Mandi Govingarh branch. Only the account number changes from customer to customer.
Is IFSC BARB0VJMAFA valid for NEFT and RTGS?
Yes. IFSC BARB0VJMAFA is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Can I use IFSC BARB0VJMAFA for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC BARB0VJMAFA to send funds instantly.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the M S M E-Mandi Govingarh branch but serve different purposes.
How do I add Bank of Baroda M S M E-Mandi Govingarh as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC BARB0VJMAFA, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the phone number of Bank of Baroda M S M E-Mandi Govingarh branch?
You can reach the branch at 22-1800223344 during regular banking hours.
Does Bank of Baroda M S M E-Mandi Govingarh branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 22-1800223344 to confirm.
Summary
The IFSC code BARB0VJMAFA belongs to Bank of Baroda's M S M E-MANDI GOVINGARH branch, located at OPPOSITE BUS STAND , G T ROAD,MANDI GOBINDGARH , FATEHGARH SAHIB DIST. , MANDI… in GOBINDGARH, PUNJAB. 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.
