IFSC Code of Bank of Baroda, M S M E,Jalandhar Branch, Punjab

Use this page as a one-stop reference for everything related to Bank of Baroda's M S M E,JALANDHAR branch in JALANDHAR, PUNJAB. The branch's IFSC code BARB0VJMJAL is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for Bank of Baroda – M S M E,JALANDHAR is BARB0VJMJAL. The first four letters BARB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters VJMJAL map to this branch in JALANDHAR, PUNJAB.

About Bank of Baroda

Bank of Baroda operates a wide network of branches across India, including the M S M E,Jalandhar branch in Jalandhar. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, BARB0VJMJAL.

Branch details at a glance

M S M E,Jalandhar branch overview

Located at BASTI SHEIKH ROAD , BASTI SHEIKH , JALANDHAR , JALANDHAR , 144002, the M S M E,Jalandhar branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC BARB0VJMJAL is required for all interbank electronic transfers routed through this branch.

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,JALANDHAR of Bank of Baroda — its own 11-character IFSC. The code BARB0VJMJAL 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 BARB0VJMJAL the same way you would treat your account number — verify it once and save it carefully for future use.

Account types you can open at the M S M E,Jalandhar branch

Once you have an account at Bank of Baroda – M S M E,JALANDHAR, the IFSC BARB0VJMJAL 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.

Products and services

Customers walking into the M S M E,Jalandhar 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 BARB0VJMJAL

How to transfer money using IFSC BARB0VJMJAL

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 BARB0VJMJAL across all three.

How to use IFSC BARB0VJMJAL 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,JALANDHAR 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).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC BARB0VJMJAL.
4. Confirm the bank name auto-populates as Bank of Baroda and the branch as M S M E,JALANDHAR.
5. 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,JALANDHAR

If you need to transfer ₹2 lakh or more in one go to an account at Bank of Baroda's M S M E,JALANDHAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BARB0VJMJAL while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Bank of Baroda – M S M E,JALANDHAR, use IMPS. With IFSC BARB0VJMJAL and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to M S M E,Jalandhar

The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC BARB0VJMJAL:

• NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
• RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
• IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
• UPI — best for small peer-to-peer payments using a VPA; the underlying account at M S M E,JALANDHAR is still linked to IFSC BARB0VJMJAL.

For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.

UPI payments and IFSC BARB0VJMJAL

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,JALANDHAR is still mapped to IFSC BARB0VJMJAL. 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 BARB0VJMJAL and the beneficiary's account number to complete the transfer.

Online banking and IFSC BARB0VJMJAL

Bank of Baroda customers can register for net banking and the bank's official mobile app once their account at the M S M E,JALANDHAR branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC BARB0VJMJAL is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.

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 BARB0VJMJAL and the account number together uniquely identify the M S M E,Jalandhar branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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,JALANDHAR:

• The IFSC is exactly BARB0VJMJAL 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,JALANDHAR 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,Jalandhar branch

The branch is located at BASTI SHEIKH ROAD , BASTI SHEIKH , JALANDHAR , JALANDHAR , 144002, which puts it inside Jalandhar, the broader Jalandhar district, and the state of Punjab. To plan your visit:

1. Open Google Maps on your phone and search for “Bank of Baroda M S M E,Jalandhar branch” — the verified location pin for IFSC BARB0VJMJAL 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 BARB0VJMJAL and your account number.

Verifying IFSC BARB0VJMJAL 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 BARB0VJMJAL 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.

Working hours

Branch counters at M S M E,Jalandhar are usually open from 10 AM to 4 PM on weekdays. Saturdays follow the RBI's alternate-Saturday rule. Even when the branch is closed, NEFT, RTGS, IMPS and UPI transfers addressed to BARB0VJMJAL continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code BARB0VJMJAL belongs to Bank of Baroda's M S M E,JALANDHAR branch, located at BASTI SHEIKH ROAD , BASTI SHEIKH , JALANDHAR , JALANDHAR , 144002 in JALANDHAR, 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.