IFSC Code of Bank of Baroda, Oshiwara Branch, Maharashtra

If you are searching for the IFSC code of Bank of Baroda, OSHIWARA branch in MUMBAI, MAHARASHTRA, this page has every detail you need. The verified IFSC code for this branch is BARB0OSHIWA. 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 OSHIWARA branch, and detailed step-by-step guides for using the IFSC BARB0OSHIWA 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.

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 – OSHIWARA is BARB0OSHIWA. The first four letters BARB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters OSHIWA map to this branch in MUMBAI, MAHARASHTRA.

About Bank of Baroda

Bank of Baroda operates a wide network of branches across India, including the Oshiwara branch in Mumbai. 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, BARB0OSHIWA.

Branch details at a glance

Oshiwara branch overview

Located at SHOP NO. 1,2,3,4,5 A, GROUND FLOOR, MUNICIPAL RETAIL MARKET BUILDING, PLOT NO. 15-A, SURVEY NO. 41, NEXT TO MEERA CHSL, OSHIWARA, JOGESHWARI WEST, MUMBAI - 400102, the Oshiwara branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC BARB0OSHIWA is required for all interbank electronic transfers routed through this branch.

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 OSHIWARA of Bank of Baroda — its own 11-character IFSC. The code BARB0OSHIWA 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 BARB0OSHIWA the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Oshiwara branch is mapped to IFSC BARB0OSHIWA 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 BARB0OSHIWA.

Products and services

Customers walking into the Oshiwara 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 BARB0OSHIWA

How to transfer money using IFSC BARB0OSHIWA

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 BARB0OSHIWA across all three.

NEFT to Bank of Baroda, OSHIWARA using IFSC BARB0OSHIWA

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 BARB0OSHIWA, and confirm that the system picks up Bank of Baroda – OSHIWARA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC BARB0OSHIWA

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 – OSHIWARA, ensure your bank's portal accepts IFSC BARB0OSHIWA while registering the beneficiary. RTGS is also available 24x7.

IMPS to Bank of Baroda OSHIWARA (IFSC BARB0OSHIWA)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BARB0OSHIWA in your mobile or internet banking app, and the money is credited to the OSHIWARA branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC BARB0OSHIWA for Bank of Baroda – OSHIWARA, 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.

For most retail customers crediting the Oshiwara 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 BARB0OSHIWA

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 – OSHIWARA is still mapped to IFSC BARB0OSHIWA. 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 BARB0OSHIWA and the beneficiary's account number to complete the transfer.

Online banking and IFSC BARB0OSHIWA

Bank of Baroda customers can register for net banking and the bank's official mobile app once their account at the OSHIWARA 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 BARB0OSHIWA 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 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 BARB0OSHIWA and the account number together uniquely identify the Oshiwara branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – OSHIWARA:

• The IFSC is exactly BARB0OSHIWA 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 OSHIWARA 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 Oshiwara branch

The branch is located at SHOP NO. 1,2,3,4,5 A, GROUND FLOOR, MUNICIPAL RETAIL MARKET BUILDING, PLOT NO. 15-A, SURVEY NO. 41, NEXT TO MEERA CHSL, OSHIWARA, JOGESHWARI WEST, MUMBAI - 400102, which puts it inside Mumbai, the broader Mumbai Suburban district, and the state of Maharashtra. To plan your visit:

1. Open Google Maps on your phone and search for “Bank of Baroda Oshiwara branch” — the verified location pin for IFSC BARB0OSHIWA should appear at the top of the results.
2. Confirm the branch is open by calling 22-1800223344 before stepping out, especially around public holidays.
3. 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 BARB0OSHIWA and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC BARB0OSHIWA for Bank of Baroda – OSHIWARA, 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 Oshiwara 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 BARB0OSHIWA continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code BARB0OSHIWA belongs to Bank of Baroda's OSHIWARA branch, located at SHOP NO. 1,2,3,4,5 A, GROUND FLOOR, MUNICIPAL RETAIL MARKET BUILDING, PLOT NO.… in MUMBAI, MAHARASHTRA. 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.