Use this page as a one-stop reference for everything related to Bank of Baroda's MOR BHAGWA, DIST. SURAT, GUJARAT branch in MOR,BHAGWA, GUJARAT. The branch's IFSC code BARB0BHAGVA 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.
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 MOR BHAGWA, DIST. SURAT, GUJARAT branch, the IFSC BARB0BHAGVA breaks down as follows: BARB identifies the bank, 0 is the reserved character, and BHAGVA 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 Mor Bhagwa, Dist. Surat, Gujarat branch — IFSC BARB0BHAGVA — extends the bank's services to customers in and around Mor,Bhagwa, Gujarat.
About this branch
The branch is located at MOR BHAGVA, TAL. OLPAD, SURAT, GUJARAT - 394 530. It serves the Mor,Bhagwa 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 BARB0BHAGVA is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | Bank of Baroda |
|---|---|
| Branch | Mor Bhagwa, Dist. Surat, Gujarat |
| IFSC Code | BARB0BHAGVA |
| MICR Code | Refer to cheque leaf |
| Branch Address | MOR BHAGVA, TAL. OLPAD, SURAT, GUJARAT - 394 530 |
| City | Mor,Bhagwa |
| District | Surat |
| State | Gujarat |
| Phone | 1800223344 |
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 MOR BHAGWA, DIST. SURAT, GUJARAT branch came to be assigned the code BARB0BHAGVA.
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 BARB0BHAGVA, money simply cannot be routed to the MOR BHAGWA, DIST. SURAT, GUJARAT branch electronically.
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 BARB0BHAGVA and the account number together uniquely identify the Mor Bhagwa, Dist. Surat, Gujarat branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC BARB0BHAGVA
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 BARB0BHAGVA across all three.
How to use IFSC BARB0BHAGVA for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Bank of Baroda's MOR BHAGWA, DIST. SURAT, GUJARAT 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 BARB0BHAGVA.
- Confirm the bank name auto-populates as Bank of Baroda and the branch as MOR BHAGWA, DIST. SURAT, GUJARAT.
- 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 MOR BHAGWA, DIST. SURAT, GUJARAT
If you need to transfer ₹2 lakh or more in one go to an account at Bank of Baroda's MOR BHAGWA, DIST. SURAT, GUJARAT branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BARB0BHAGVA 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 – MOR BHAGWA, DIST. SURAT, GUJARAT, use IMPS. With IFSC BARB0BHAGVA and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC BARB0BHAGVA for Bank of Baroda – MOR BHAGWA, DIST. SURAT, GUJARAT, 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 – BARB0BHAGVA | Yes – BARB0BHAGVA | Yes – BARB0BHAGVA |
For most retail customers crediting the Mor Bhagwa, Dist. Surat, Gujarat 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 BARB0BHAGVA
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 – MOR BHAGWA, DIST. SURAT, GUJARAT is still mapped to IFSC BARB0BHAGVA. 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 BARB0BHAGVA and the beneficiary's account number to complete the transfer.
Account types you can open at the Mor Bhagwa, Dist. Surat, Gujarat branch
Once you have an account at Bank of Baroda – MOR BHAGWA, DIST. SURAT, GUJARAT, the IFSC BARB0BHAGVA 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 Mor Bhagwa, Dist. Surat, Gujarat 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 BARB0BHAGVA
Digital banking channels
Most day-to-day work that customers used to do at the Mor Bhagwa, Dist. Surat, Gujarat 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 BARB0BHAGVA 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.
Reaching the branch
The Mor Bhagwa, Dist. Surat, Gujarat branch sits at MOR BHAGVA, TAL. OLPAD, SURAT, GUJARAT - 394 530. If you are travelling from outside Mor,Bhagwa, 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 BARB0BHAGVA and your account number.
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 – MOR BHAGWA, DIST. SURAT, GUJARAT:
- The IFSC is exactly BARB0BHAGVA 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 MOR BHAGWA, DIST. SURAT, GUJARAT 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.
Working hours
Branch counters at Mor Bhagwa, Dist. Surat, Gujarat 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 BARB0BHAGVA continue to work without interruption.
Verifying IFSC BARB0BHAGVA 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 BARB0BHAGVA 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.
Branch address & contact
Bank of BarodaMor Bhagwa, Dist. Surat, Gujarat Branch
MOR BHAGVA, TAL. OLPAD, SURAT, GUJARAT - 394 530
Mor,Bhagwa, Gujarat
Phone: 1800223344
IFSC: BARB0BHAGVA
Frequently asked questions
Is IFSC BARB0BHAGVA valid for NEFT and RTGS?
Yes. IFSC BARB0BHAGVA is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Is IFSC BARB0BHAGVA the same for all accounts at Mor Bhagwa, Dist. Surat, Gujarat branch?
Yes. The IFSC BARB0BHAGVA is shared by every account held at Bank of Baroda's Mor Bhagwa, Dist. Surat, Gujarat branch. Only the account number changes from customer to customer.
How quickly will an NEFT transfer using BARB0BHAGVA be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Bank of Baroda – Mor Bhagwa, Dist. Surat, Gujarat reflect within 30 minutes.
What is the phone number of Bank of Baroda Mor Bhagwa, Dist. Surat, Gujarat branch?
You can reach the branch at 1800223344 during regular banking hours.
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 Mor Bhagwa, Dist. Surat, Gujarat branch but serve different purposes.
Does Bank of Baroda Mor Bhagwa, Dist. Surat, Gujarat branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 1800223344 to confirm.
Summary
The IFSC code BARB0BHAGVA belongs to Bank of Baroda's MOR BHAGWA, DIST. SURAT, GUJARAT branch, located at MOR BHAGVA, TAL. OLPAD, SURAT, GUJARAT - 394 530 in MOR,BHAGWA, 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.
