IFSC Code of Bank of Baroda, Junagadh ,M Branch Branch, Gujarat

Below are the complete branch details for Bank of Baroda, JUNAGADH ,M BRANCH branch, located in JUNAGADH, GUJARAT. The IFSC assigned by the Reserve Bank of India to this branch is BARB0JUNAGA. 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 BARB0JUNAGA for Bank of Baroda – JUNAGADH ,M BRANCH — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 – JUNAGADH ,M BRANCH is BARB0JUNAGA. The first four letters BARB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters JUNAGA map to this branch in JUNAGADH, GUJARAT.

About Bank of Baroda

Bank of Baroda operates a wide network of branches across India, including the Junagadh ,M Branch branch in Junagadh. 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, BARB0JUNAGA.

Branch details at a glance

About this branch

The branch is located at JUNAGADH (M) BRANCH,AZAD CHOWK, JUNAGADH.,JUNAGADH,362001. It serves the Junagadh 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 BARB0JUNAGA is used to identify this branch on the RBI payments network.

The role of IFSC in India's payments network

India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how Bank of Baroda's JUNAGADH ,M BRANCH branch came to be assigned the code BARB0JUNAGA.

Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC BARB0JUNAGA, money simply cannot be routed to the JUNAGADH ,M BRANCH branch electronically.

Products and account variants supported

Every account opened at the Junagadh ,M Branch branch is mapped to IFSC BARB0JUNAGA 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 BARB0JUNAGA.

Banking services available

The Junagadh ,M Branch branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 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 BARB0JUNAGA

How to transfer money using IFSC BARB0JUNAGA

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 BARB0JUNAGA across all three.

How to use IFSC BARB0JUNAGA for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Bank of Baroda's JUNAGADH ,M BRANCH 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 BARB0JUNAGA.
4. Confirm the bank name auto-populates as Bank of Baroda and the branch as JUNAGADH ,M BRANCH.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC BARB0JUNAGA

RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to Bank of Baroda – JUNAGADH ,M BRANCH, ensure your bank's portal accepts IFSC BARB0JUNAGA while registering the beneficiary. RTGS is also available 24x7.

IMPS to Bank of Baroda JUNAGADH ,M BRANCH (IFSC BARB0JUNAGA)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BARB0JUNAGA in your mobile or internet banking app, and the money is credited to the JUNAGADH ,M BRANCH branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Junagadh ,M Branch

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 BARB0JUNAGA:

• 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 JUNAGADH ,M BRANCH is still linked to IFSC BARB0JUNAGA.

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.

How UPI relates to the IFSC code

UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at Bank of Baroda's JUNAGADH ,M BRANCH branch, the IFSC BARB0JUNAGA is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.

That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.

Online banking and IFSC BARB0JUNAGA

Bank of Baroda customers can register for net banking and the bank's official mobile app once their account at the JUNAGADH ,M BRANCH 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 BARB0JUNAGA 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 BARB0JUNAGA and the account number together uniquely identify the Junagadh ,M Branch branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Common mistakes to avoid when using IFSC BARB0JUNAGA

An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to Bank of Baroda – JUNAGADH ,M BRANCH, double-check for these issues:

• Confusing 0 with O. The fifth character of every IFSC is the digit 0, not the letter O. Read carefully.
• Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters: BARB0JUNAGA.
• Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
• Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
• Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.

Reaching the branch

The Junagadh ,M Branch branch sits at JUNAGADH (M) BRANCH,AZAD CHOWK, JUNAGADH.,JUNAGADH,362001. If you are travelling from outside Junagadh, search for the branch on a maps application using the bank name and locality, or call 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 BARB0JUNAGA and your account number.

Verifying IFSC BARB0JUNAGA 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 BARB0JUNAGA 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 Junagadh ,M Branch 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 BARB0JUNAGA continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code BARB0JUNAGA belongs to Bank of Baroda's JUNAGADH ,M BRANCH branch, located at JUNAGADH (M) BRANCH,AZAD CHOWK, JUNAGADH.,JUNAGADH,362001 in JUNAGADH, GUJARAT. 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.