If you are searching for the IFSC code of Bank of Baroda, MACHHIWARA BR., DIST.LUDHIANA branch in MACHHIWARA, PUNJAB, this page has every detail you need. The verified IFSC code for this branch is BARB0MACHHI. 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 MACHHIWARA BR., DIST.LUDHIANA branch, and detailed step-by-step guides for using the IFSC BARB0MACHHI 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.
IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.
In our case, BARB0MACHHI is the IFSC of Bank of Baroda's MACHHIWARA BR., DIST.LUDHIANA branch. The format is fixed: BARB = bank code, 0 = reserved, MACHHI = branch identifier.
Bank profile
Bank of Baroda is among the recognised banks listed on the Reserve Bank of India's payments network. The Machhiwara Br., Dist.Ludhiana branch — IFSC BARB0MACHHI — extends the bank's services to customers in and around Machhiwara, Punjab.
Branch details at a glance
| Bank Name | Bank of Baroda |
|---|---|
| Branch | Machhiwara Br., Dist.Ludhiana |
| IFSC Code | BARB0MACHHI |
| MICR Code | Refer to cheque leaf |
| Branch Address | 145, SAMRALA ROAD, MACHHIWARA, DIST. LUDHIANA, PUNJAB - 141115 |
| City | Machhiwara |
| District | Ludhiana |
| State | Punjab |
| Phone | 1800223344 |
About this branch
The branch is located at 145, SAMRALA ROAD, MACHHIWARA, DIST. LUDHIANA, PUNJAB - 141115. It serves the Machhiwara 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 BARB0MACHHI 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 MACHHIWARA BR., DIST.LUDHIANA branch came to be assigned the code BARB0MACHHI.
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 BARB0MACHHI, money simply cannot be routed to the MACHHIWARA BR., DIST.LUDHIANA branch electronically.
Products and account variants supported
Every account opened at the Machhiwara Br., Dist.Ludhiana branch is mapped to IFSC BARB0MACHHI 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 BARB0MACHHI.
Products and services
Customers walking into the Machhiwara Br., Dist.Ludhiana 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 BARB0MACHHI
How to transfer money using IFSC BARB0MACHHI
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 BARB0MACHHI across all three.
NEFT to Bank of Baroda, MACHHIWARA BR., DIST.LUDHIANA using IFSC BARB0MACHHI
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 BARB0MACHHI, and confirm that the system picks up Bank of Baroda – MACHHIWARA BR., DIST.LUDHIANA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to MACHHIWARA BR., DIST.LUDHIANA
If you need to transfer ₹2 lakh or more in one go to an account at Bank of Baroda's MACHHIWARA BR., DIST.LUDHIANA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BARB0MACHHI while initiating the transfer and the credit will appear within minutes.
IMPS to Bank of Baroda MACHHIWARA BR., DIST.LUDHIANA (IFSC BARB0MACHHI)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BARB0MACHHI in your mobile or internet banking app, and the money is credited to the MACHHIWARA BR., DIST.LUDHIANA branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC BARB0MACHHI for Bank of Baroda – MACHHIWARA BR., DIST.LUDHIANA, 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 – BARB0MACHHI | Yes – BARB0MACHHI | Yes – BARB0MACHHI |
For most retail customers crediting the Machhiwara Br., Dist.Ludhiana 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.
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 MACHHIWARA BR., DIST.LUDHIANA branch, the IFSC BARB0MACHHI 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.
Digital banking channels
Most day-to-day work that customers used to do at the Machhiwara Br., Dist.Ludhiana 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 BARB0MACHHI 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 & cheque-truncation details
Cheques drawn on the Machhiwara Br., Dist.Ludhiana branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC BARB0MACHHI 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 BARB0MACHHI
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 – MACHHIWARA BR., DIST.LUDHIANA, 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:
BARB0MACHHI. - 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 Machhiwara Br., Dist.Ludhiana branch sits at 145, SAMRALA ROAD, MACHHIWARA, DIST. LUDHIANA, PUNJAB - 141115. If you are travelling from outside Machhiwara, 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 BARB0MACHHI and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC BARB0MACHHI for Bank of Baroda – MACHHIWARA BR., DIST.LUDHIANA, 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 Machhiwara Br., Dist.Ludhiana 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 BARB0MACHHI continue to work without interruption.
Branch address & contact
Bank of BarodaMachhiwara Br., Dist.Ludhiana Branch
145, SAMRALA ROAD, MACHHIWARA, DIST. LUDHIANA, PUNJAB - 141115
Machhiwara, Punjab
Phone: 1800223344
IFSC: BARB0MACHHI
Frequently asked questions
How do I add Bank of Baroda Machhiwara Br., Dist.Ludhiana as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC BARB0MACHHI, and complete OTP verification. Once activated, you can transfer funds at any time.
Does Bank of Baroda Machhiwara Br., Dist.Ludhiana branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 1800223344 to confirm.
Can I use IFSC BARB0MACHHI for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC BARB0MACHHI to send funds instantly.
What is the phone number of Bank of Baroda Machhiwara Br., Dist.Ludhiana branch?
You can reach the branch at 1800223344 during regular banking hours.
Is IFSC BARB0MACHHI valid for NEFT and RTGS?
Yes. IFSC BARB0MACHHI is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Is IFSC BARB0MACHHI the same for all accounts at Machhiwara Br., Dist.Ludhiana branch?
Yes. The IFSC BARB0MACHHI is shared by every account held at Bank of Baroda's Machhiwara Br., Dist.Ludhiana branch. Only the account number changes from customer to customer.
Summary
The IFSC code BARB0MACHHI belongs to Bank of Baroda's MACHHIWARA BR., DIST.LUDHIANA branch, located at 145, SAMRALA ROAD, MACHHIWARA, DIST. LUDHIANA, PUNJAB - 141115 in MACHHIWARA, 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.
