If you are searching for the IFSC code of Bank of Baroda, JOSHI MATH branch in JOSHIMATH, UTTARAKHAND, this page has every detail you need. The verified IFSC code for this branch is BARB0JOSHIM. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.
You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the JOSHI MATH branch, and detailed step-by-step guides for using the IFSC BARB0JOSHIM across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.
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 – JOSHI MATH is BARB0JOSHIM. The first four letters BARB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters JOSHIM map to this branch in JOSHIMATH, UTTARAKHAND.
Bank profile
Bank of Baroda is among the recognised banks listed on the Reserve Bank of India's payments network. The Joshi Math branch — IFSC BARB0JOSHIM — extends the bank's services to customers in and around Joshimath, Uttarakhand.
Branch details at a glance
| Bank Name | Bank of Baroda |
|---|---|
| Branch | Joshi Math |
| IFSC Code | BARB0JOSHIM |
| MICR Code | Refer to cheque leaf |
| Branch Address | UPPER BAZAR NEAR GHANDHI FIELD JOSHI MATH DIST CHAMOLI JOSHI MATH UTTARAKHAND 246443 |
| City | Joshimath |
| District | Chamoli |
| State | Uttarakhand |
| Phone | 1800223344 |
About this branch
The branch is located at UPPER BAZAR NEAR GHANDHI FIELD JOSHI MATH DIST CHAMOLI JOSHI MATH UTTARAKHAND 246443. It serves the Joshimath 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 BARB0JOSHIM 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 JOSHI MATH of Bank of Baroda — its own 11-character IFSC. The code BARB0JOSHIM 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 BARB0JOSHIM 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 Joshi Math branch
Once you have an account at Bank of Baroda – JOSHI MATH, the IFSC BARB0JOSHIM 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 Joshi Math 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 BARB0JOSHIM
How to transfer money using IFSC BARB0JOSHIM
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 BARB0JOSHIM across all three.
How to use IFSC BARB0JOSHIM for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Bank of Baroda's JOSHI MATH 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 BARB0JOSHIM.
- Confirm the bank name auto-populates as Bank of Baroda and the branch as JOSHI MATH.
- 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 JOSHI MATH
If you need to transfer ₹2 lakh or more in one go to an account at Bank of Baroda's JOSHI MATH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BARB0JOSHIM while initiating the transfer and the credit will appear within minutes.
IMPS to Bank of Baroda JOSHI MATH (IFSC BARB0JOSHIM)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BARB0JOSHIM in your mobile or internet banking app, and the money is credited to the JOSHI MATH branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC BARB0JOSHIM for Bank of Baroda – JOSHI MATH, 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 – BARB0JOSHIM | Yes – BARB0JOSHIM | Yes – BARB0JOSHIM |
For most retail customers crediting the Joshi Math 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 BARB0JOSHIM
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 – JOSHI MATH is still mapped to IFSC BARB0JOSHIM. 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 BARB0JOSHIM and the beneficiary's account number to complete the transfer.
Digital banking channels
Most day-to-day work that customers used to do at the Joshi Math 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 BARB0JOSHIM 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.
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 BARB0JOSHIM and the account number together uniquely identify the Joshi Math 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 – JOSHI MATH:
- The IFSC is exactly BARB0JOSHIM 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 JOSHI MATH 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 Joshi Math branch
The branch is located at UPPER BAZAR NEAR GHANDHI FIELD JOSHI MATH DIST CHAMOLI JOSHI MATH UTTARAKHAND 246443, which puts it inside Joshimath, the broader Chamoli district, and the state of Uttarakhand. To plan your visit:
- Open Google Maps on your phone and search for “Bank of Baroda Joshi Math branch” — the verified location pin for IFSC BARB0JOSHIM should appear at the top of the results.
- Confirm the branch is open by calling 1800223344 before stepping out, especially around public holidays.
- 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 BARB0JOSHIM and your account number.
Verifying IFSC BARB0JOSHIM 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 BARB0JOSHIM by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 1800223344.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Joshi Math 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 BARB0JOSHIM continue to work without interruption.
Branch address & contact
Bank of BarodaJoshi Math Branch
UPPER BAZAR NEAR GHANDHI FIELD JOSHI MATH DIST CHAMOLI JOSHI MATH UTTARAKHAND 246443
Joshimath, Uttarakhand
Phone: 1800223344
IFSC: BARB0JOSHIM
Frequently asked questions
Is IFSC BARB0JOSHIM valid for NEFT and RTGS?
Yes. IFSC BARB0JOSHIM is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How quickly will an NEFT transfer using BARB0JOSHIM be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Bank of Baroda – Joshi Math reflect within 30 minutes.
Does Bank of Baroda Joshi Math branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 1800223344 to confirm.
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 Joshi Math branch but serve different purposes.
Where is Bank of Baroda Joshi Math branch located?
Bank of Baroda's Joshi Math branch is located at UPPER BAZAR NEAR GHANDHI FIELD JOSHI MATH DIST CHAMOLI JOSHI MATH UTTARAKHAND 246443, Joshimath, Uttarakhand.
What is the phone number of Bank of Baroda Joshi Math branch?
You can reach the branch at 1800223344 during regular banking hours.
Can I use IFSC BARB0JOSHIM for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC BARB0JOSHIM to send funds instantly.
Summary
The IFSC code BARB0JOSHIM belongs to Bank of Baroda's JOSHI MATH branch, located at UPPER BAZAR NEAR GHANDHI FIELD JOSHI MATH DIST CHAMOLI JOSHI MATH UTTARAKHAND … in JOSHIMATH, UTTARAKHAND. 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.
