Below are the complete branch details for Bank of Baroda, KOSAMBA DIST SURAT branch, located in KOSAMBA, GUJARAT. The IFSC assigned by the Reserve Bank of India to this branch is BARB0KOSAMB. 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 BARB0KOSAMB for Bank of Baroda – KOSAMBA DIST SURAT — 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 KOSAMBA DIST SURAT branch, the IFSC BARB0KOSAMB breaks down as follows: BARB identifies the bank, 0 is the reserved character, and KOSAMB identifies this particular branch.
Bank profile
Bank of Baroda is among the recognised banks listed on the Reserve Bank of India's payments network. The Kosamba Dist Surat branch — IFSC BARB0KOSAMB — extends the bank's services to customers in and around Kosamba, Gujarat.
Branch details at a glance
| Bank Name | Bank of Baroda |
|---|---|
| Branch | Kosamba Dist Surat |
| IFSC Code | BARB0KOSAMB |
| MICR Code | Refer to cheque leaf |
| Branch Address | STATION ROAD, TAL.MANGROL DIST.SURAT PIN-394120 |
| City | Kosamba |
| District | Surat |
| State | Gujarat |
| Phone | 1800223344 |
About the Kosamba Dist Surat branch
The Kosamba Dist Surat branch of Bank of Baroda is situated at STATION ROAD, TAL.MANGROL DIST.SURAT PIN-394120. 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 BARB0KOSAMB is used.
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 KOSAMBA DIST SURAT branch came to be assigned the code BARB0KOSAMB.
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 BARB0KOSAMB, money simply cannot be routed to the KOSAMBA DIST SURAT branch electronically.
Products and account variants supported
Every account opened at the Kosamba Dist Surat branch is mapped to IFSC BARB0KOSAMB 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 BARB0KOSAMB.
Banking services available
The Kosamba Dist Surat 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 BARB0KOSAMB
How to transfer money using IFSC BARB0KOSAMB
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 BARB0KOSAMB across all three.
NEFT to Bank of Baroda, KOSAMBA DIST SURAT using IFSC BARB0KOSAMB
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 BARB0KOSAMB, and confirm that the system picks up Bank of Baroda – KOSAMBA DIST SURAT. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to KOSAMBA DIST SURAT
If you need to transfer ₹2 lakh or more in one go to an account at Bank of Baroda's KOSAMBA DIST SURAT branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BARB0KOSAMB 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 – KOSAMBA DIST SURAT, use IMPS. With IFSC BARB0KOSAMB 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 Kosamba Dist Surat
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 BARB0KOSAMB:
- 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 KOSAMBA DIST SURAT is still linked to IFSC BARB0KOSAMB.
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 BARB0KOSAMB
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 – KOSAMBA DIST SURAT is still mapped to IFSC BARB0KOSAMB. 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 BARB0KOSAMB and the beneficiary's account number to complete the transfer.
Online banking and IFSC BARB0KOSAMB
Bank of Baroda customers can register for net banking and the bank's official mobile app once their account at the KOSAMBA DIST SURAT 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 BARB0KOSAMB 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 & cheque-truncation details
Cheques drawn on the Kosamba Dist Surat branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC BARB0KOSAMB for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Common mistakes to avoid when using IFSC BARB0KOSAMB
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 – KOSAMBA DIST SURAT, 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:
BARB0KOSAMB. - 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.
How to reach the Kosamba Dist Surat branch
The branch is located at STATION ROAD, TAL.MANGROL DIST.SURAT PIN-394120, which puts it inside Kosamba, the broader Surat district, and the state of Gujarat. To plan your visit:
- Open Google Maps on your phone and search for “Bank of Baroda Kosamba Dist Surat branch” — the verified location pin for IFSC BARB0KOSAMB 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 BARB0KOSAMB and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC BARB0KOSAMB for Bank of Baroda – KOSAMBA DIST SURAT, 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.
Working hours
Branch counters at Kosamba Dist Surat 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 BARB0KOSAMB continue to work without interruption.
Branch address & contact
Bank of BarodaKosamba Dist Surat Branch
STATION ROAD, TAL.MANGROL DIST.SURAT PIN-394120
Kosamba, Gujarat
Phone: 1800223344
IFSC: BARB0KOSAMB
Frequently asked questions
Is IFSC BARB0KOSAMB the same for all accounts at Kosamba Dist Surat branch?
Yes. The IFSC BARB0KOSAMB is shared by every account held at Bank of Baroda's Kosamba Dist Surat branch. Only the account number changes from customer to customer.
Does Bank of Baroda Kosamba Dist Surat 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 Kosamba Dist Surat branch but serve different purposes.
How quickly will an NEFT transfer using BARB0KOSAMB be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Bank of Baroda – Kosamba Dist Surat reflect within 30 minutes.
How do I add Bank of Baroda Kosamba Dist Surat as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC BARB0KOSAMB, and complete OTP verification. Once activated, you can transfer funds at any time.
Where is Bank of Baroda Kosamba Dist Surat branch located?
Bank of Baroda's Kosamba Dist Surat branch is located at STATION ROAD, TAL.MANGROL DIST.SURAT PIN-394120, Kosamba, Gujarat.
What is the IFSC code of Bank of Baroda Kosamba Dist Surat branch?
The IFSC code of Bank of Baroda, Kosamba Dist Surat branch is BARB0KOSAMB. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Summary
The IFSC code BARB0KOSAMB belongs to Bank of Baroda's KOSAMBA DIST SURAT branch, located at STATION ROAD, TAL.MANGROL DIST.SURAT PIN-394120 in KOSAMBA, 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.
