This page lists the IFSC code, branch address, contact number and fund-transfer information for Bank of Baroda, RETAIL ASSET BRANCH BHANDUP branch in MUMBAI SUBURBAN. The 11-digit IFSC BARB0DBTMUM uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Bank of Baroda at the RETAIL ASSET BRANCH BHANDUP location, this is the only IFSC you need.
We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.
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 – RETAIL ASSET BRANCH BHANDUP is BARB0DBTMUM. The first four letters BARB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters DBTMUM map to this branch in MUMBAI SUBURBAN, MAHARASHTRA.
About Bank of Baroda
Bank of Baroda operates a wide network of branches across India, including the Retail Asset Branch Bhandup branch in Mumbai Suburban. 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, BARB0DBTMUM.
Branch details at a glance
| Bank Name | Bank of Baroda |
|---|---|
| Branch | Retail Asset Branch Bhandup |
| IFSC Code | BARB0DBTMUM |
| MICR Code | Refer to cheque leaf |
| Branch Address | RETAIL ASSET BRANCHBURJOR BAUG LBS ROAD MUMBAI MUMBAI SUBURBAN MAHARASHTRA 400078 |
| City | Mumbai Suburban |
| District | Mumbai Suburban |
| State | Maharashtra |
| STD Code | 22 |
| Phone | 1800223344 |
About this branch
The branch is located at RETAIL ASSET BRANCHBURJOR BAUG LBS ROAD MUMBAI MUMBAI SUBURBAN MAHARASHTRA 400078. It serves the Mumbai Suburban 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 BARB0DBTMUM 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 RETAIL ASSET BRANCH BHANDUP branch came to be assigned the code BARB0DBTMUM.
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 BARB0DBTMUM, money simply cannot be routed to the RETAIL ASSET BRANCH BHANDUP branch electronically.
Products and account variants supported
Every account opened at the Retail Asset Branch Bhandup branch is mapped to IFSC BARB0DBTMUM 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 BARB0DBTMUM.
Banking services available
The Retail Asset Branch Bhandup branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 22-1800223344.
- 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 BARB0DBTMUM
How to transfer money using IFSC BARB0DBTMUM
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 BARB0DBTMUM across all three.
How to use IFSC BARB0DBTMUM for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Bank of Baroda's RETAIL ASSET BRANCH BHANDUP 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 BARB0DBTMUM.
- Confirm the bank name auto-populates as Bank of Baroda and the branch as RETAIL ASSET BRANCH BHANDUP.
- 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 RETAIL ASSET BRANCH BHANDUP
If you need to transfer ₹2 lakh or more in one go to an account at Bank of Baroda's RETAIL ASSET BRANCH BHANDUP branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BARB0DBTMUM while initiating the transfer and the credit will appear within minutes.
IMPS to Bank of Baroda RETAIL ASSET BRANCH BHANDUP (IFSC BARB0DBTMUM)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BARB0DBTMUM in your mobile or internet banking app, and the money is credited to the RETAIL ASSET BRANCH BHANDUP branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Retail Asset Branch Bhandup
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 BARB0DBTMUM:
- 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 RETAIL ASSET BRANCH BHANDUP is still linked to IFSC BARB0DBTMUM.
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 BARB0DBTMUM
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 – RETAIL ASSET BRANCH BHANDUP is still mapped to IFSC BARB0DBTMUM. 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 BARB0DBTMUM and the beneficiary's account number to complete the transfer.
Online banking and IFSC BARB0DBTMUM
Bank of Baroda customers can register for net banking and the bank's official mobile app once their account at the RETAIL ASSET BRANCH BHANDUP 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 BARB0DBTMUM 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 Retail Asset Branch Bhandup branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC BARB0DBTMUM for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
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 – RETAIL ASSET BRANCH BHANDUP:
- The IFSC is exactly BARB0DBTMUM 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 RETAIL ASSET BRANCH BHANDUP 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.
How to reach the Retail Asset Branch Bhandup branch
The branch is located at RETAIL ASSET BRANCHBURJOR BAUG LBS ROAD MUMBAI MUMBAI SUBURBAN MAHARASHTRA 400078, which puts it inside Mumbai Suburban, the broader Mumbai Suburban district, and the state of Maharashtra. To plan your visit:
- Open Google Maps on your phone and search for “Bank of Baroda Retail Asset Branch Bhandup branch” — the verified location pin for IFSC BARB0DBTMUM should appear at the top of the results.
- Confirm the branch is open by calling 22-1800223344 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 BARB0DBTMUM and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC BARB0DBTMUM for Bank of Baroda – RETAIL ASSET BRANCH BHANDUP, 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 Retail Asset Branch Bhandup 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 BARB0DBTMUM continue to work without interruption.
Branch address & contact
Bank of BarodaRetail Asset Branch Bhandup Branch
RETAIL ASSET BRANCHBURJOR BAUG LBS ROAD MUMBAI MUMBAI SUBURBAN MAHARASHTRA 400078
Mumbai Suburban, Maharashtra
Phone: 22-1800223344
IFSC: BARB0DBTMUM
Frequently asked questions
Can I use IFSC BARB0DBTMUM for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC BARB0DBTMUM to send funds instantly.
Is IFSC BARB0DBTMUM valid for NEFT and RTGS?
Yes. IFSC BARB0DBTMUM is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How do I add Bank of Baroda Retail Asset Branch Bhandup as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC BARB0DBTMUM, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC BARB0DBTMUM the same for all accounts at Retail Asset Branch Bhandup branch?
Yes. The IFSC BARB0DBTMUM is shared by every account held at Bank of Baroda's Retail Asset Branch Bhandup branch. Only the account number changes from customer to customer.
What is the phone number of Bank of Baroda Retail Asset Branch Bhandup branch?
You can reach the branch at 22-1800223344 during regular banking hours.
How quickly will an NEFT transfer using BARB0DBTMUM be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Bank of Baroda – Retail Asset Branch Bhandup reflect within 30 minutes.
What is the IFSC code of Bank of Baroda Retail Asset Branch Bhandup branch?
The IFSC code of Bank of Baroda, Retail Asset Branch Bhandup branch is BARB0DBTMUM. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
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 Retail Asset Branch Bhandup branch but serve different purposes.
Final notes
To recap: BARB0DBTMUM is the IFSC code of Bank of Baroda, RETAIL ASSET BRANCH BHANDUP branch, in MUMBAI SUBURBAN, MAHARASHTRA. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.
