Use this page as a one-stop reference for everything related to Bank of Baroda's MOCHWA,MORADABAD,UP branch in MORADABAD, UTTAR PRADESH. The branch's IFSC code BARB0MOCHWA 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.
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 – MOCHWA,MORADABAD,UP is BARB0MOCHWA. The first four letters BARB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters MOCHWA map to this branch in MORADABAD, UTTAR PRADESH.
Branch details at a glance
| Bank Name | Bank of Baroda |
|---|---|
| Branch | Mochwa,Moradabad,Up |
| IFSC Code | BARB0MOCHWA |
| MICR Code | Refer to cheque leaf |
| Branch Address | VILL MOCHWA,PO MOCHWA,UTTAR PRADESH 227816. |
| City | Moradabad |
| District | Moradabad |
| State | Uttar Pradesh |
| Phone | 1800223344 |
Bank profile
Bank of Baroda is among the recognised banks listed on the Reserve Bank of India's payments network. The Mochwa,Moradabad,Up branch — IFSC BARB0MOCHWA — extends the bank's services to customers in and around Moradabad, Uttar Pradesh.
About the Mochwa,Moradabad,Up branch
The Mochwa,Moradabad,Up branch of Bank of Baroda is situated at VILL MOCHWA,PO MOCHWA,UTTAR PRADESH 227816.. 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 BARB0MOCHWA is used.
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 MOCHWA,MORADABAD,UP of Bank of Baroda — its own 11-character IFSC. The code BARB0MOCHWA 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 BARB0MOCHWA the same way you would treat your account number — verify it once and save it carefully for future use.
How to transfer money using IFSC BARB0MOCHWA
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 BARB0MOCHWA across all three.
NEFT to Bank of Baroda, MOCHWA,MORADABAD,UP using IFSC BARB0MOCHWA
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 BARB0MOCHWA, and confirm that the system picks up Bank of Baroda – MOCHWA,MORADABAD,UP. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC BARB0MOCHWA
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 – MOCHWA,MORADABAD,UP, ensure your bank's portal accepts IFSC BARB0MOCHWA while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Bank of Baroda – MOCHWA,MORADABAD,UP, use IMPS. With IFSC BARB0MOCHWA 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 BARB0MOCHWA for Bank of Baroda – MOCHWA,MORADABAD,UP, 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 – BARB0MOCHWA | Yes – BARB0MOCHWA | Yes – BARB0MOCHWA |
For most retail customers crediting the Mochwa,Moradabad,Up 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 BARB0MOCHWA
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 – MOCHWA,MORADABAD,UP is still mapped to IFSC BARB0MOCHWA. 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 BARB0MOCHWA and the beneficiary's account number to complete the transfer.
Account types you can open at the Mochwa,Moradabad,Up branch
Once you have an account at Bank of Baroda – MOCHWA,MORADABAD,UP, the IFSC BARB0MOCHWA 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 Mochwa,Moradabad,Up 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 BARB0MOCHWA
MICR & cheque-truncation details
Cheques drawn on the Mochwa,Moradabad,Up branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC BARB0MOCHWA for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Digital banking channels
Most day-to-day work that customers used to do at the Mochwa,Moradabad,Up 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 BARB0MOCHWA 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.
Common mistakes to avoid when using IFSC BARB0MOCHWA
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 – MOCHWA,MORADABAD,UP, 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:
BARB0MOCHWA. - 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 Mochwa,Moradabad,Up branch
The branch is located at VILL MOCHWA,PO MOCHWA,UTTAR PRADESH 227816., which puts it inside Moradabad, the broader Moradabad district, and the state of Uttar Pradesh. To plan your visit:
- Open Google Maps on your phone and search for “Bank of Baroda Mochwa,Moradabad,Up branch” — the verified location pin for IFSC BARB0MOCHWA 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 BARB0MOCHWA and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC BARB0MOCHWA for Bank of Baroda – MOCHWA,MORADABAD,UP, 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 Mochwa,Moradabad,Up 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 BARB0MOCHWA continue to work without interruption.
Branch address & contact
Bank of BarodaMochwa,Moradabad,Up Branch
VILL MOCHWA,PO MOCHWA,UTTAR PRADESH 227816.
Moradabad, Uttar Pradesh
Phone: 1800223344
IFSC: BARB0MOCHWA
Frequently asked questions
Does Bank of Baroda Mochwa,Moradabad,Up branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 1800223344 to confirm.
How do I add Bank of Baroda Mochwa,Moradabad,Up as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC BARB0MOCHWA, and complete OTP verification. Once activated, you can transfer funds at any time.
Where is Bank of Baroda Mochwa,Moradabad,Up branch located?
Bank of Baroda's Mochwa,Moradabad,Up branch is located at VILL MOCHWA,PO MOCHWA,UTTAR PRADESH 227816., Moradabad, Uttar Pradesh.
Can I use IFSC BARB0MOCHWA for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC BARB0MOCHWA to send funds instantly.
What is the phone number of Bank of Baroda Mochwa,Moradabad,Up branch?
You can reach the branch at 1800223344 during regular banking hours.
How quickly will an NEFT transfer using BARB0MOCHWA be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Bank of Baroda – Mochwa,Moradabad,Up reflect within 30 minutes.
Summary
The IFSC code BARB0MOCHWA belongs to Bank of Baroda's MOCHWA,MORADABAD,UP branch, located at VILL MOCHWA,PO MOCHWA,UTTAR PRADESH 227816. in MORADABAD, UTTAR PRADESH. 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.
