IFSC Code of Bank of Baroda, SME Branch Jogeshwari West Branch, Maharashtra

This page lists the IFSC code, branch address, contact number and fund-transfer information for Bank of Baroda, SME BRANCH JOGESHWARI WEST branch in MUMBAI. The 11-digit IFSC BARB0SMEJOW 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 SME BRANCH JOGESHWARI WEST 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 – SME BRANCH JOGESHWARI WEST is BARB0SMEJOW. The first four letters BARB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters SMEJOW map to this branch in MUMBAI, MAHARASHTRA.

About the bank

Bank of Baroda serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its SME Branch Jogeshwari West branch in Mumbai, Maharashtra is part of this network and uses the IFSC code BARB0SMEJOW for all electronic settlement.

About the SME Branch Jogeshwari West branch

The SME Branch Jogeshwari West branch of Bank of Baroda is situated at MUMBAI 1 ST FLOOR, BARODA HOUSE,BEHIND DEEWAN SHOPPING CENTRE,400102. 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 BARB0SMEJOW is used.

Branch details at a glance

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 SME BRANCH JOGESHWARI WEST branch came to be assigned the code BARB0SMEJOW.

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 BARB0SMEJOW, money simply cannot be routed to the SME BRANCH JOGESHWARI WEST 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 BARB0SMEJOW and the account number together uniquely identify the SME Branch Jogeshwari West branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC BARB0SMEJOW

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 BARB0SMEJOW across all three.

How to use IFSC BARB0SMEJOW for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Bank of Baroda's SME BRANCH JOGESHWARI WEST 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).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC BARB0SMEJOW.
4. Confirm the bank name auto-populates as Bank of Baroda and the branch as SME BRANCH JOGESHWARI WEST.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC BARB0SMEJOW

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 – SME BRANCH JOGESHWARI WEST, ensure your bank's portal accepts IFSC BARB0SMEJOW while registering the beneficiary. RTGS is also available 24x7.

IMPS to Bank of Baroda SME BRANCH JOGESHWARI WEST (IFSC BARB0SMEJOW)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BARB0SMEJOW in your mobile or internet banking app, and the money is credited to the SME BRANCH JOGESHWARI WEST branch account within seconds.

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

All three modes accept the IFSC BARB0SMEJOW for Bank of Baroda – SME BRANCH JOGESHWARI WEST, 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 SME Branch Jogeshwari West 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 SME BRANCH JOGESHWARI WEST branch, the IFSC BARB0SMEJOW 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.

Products and account variants supported

Every account opened at the SME Branch Jogeshwari West branch is mapped to IFSC BARB0SMEJOW 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 BARB0SMEJOW.

Products and services

Customers walking into the SME Branch Jogeshwari West 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 BARB0SMEJOW

Digital banking channels

Most day-to-day work that customers used to do at the SME Branch Jogeshwari West 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 BARB0SMEJOW 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 SME Branch Jogeshwari West branch sits at MUMBAI 1 ST FLOOR, BARODA HOUSE,BEHIND DEEWAN SHOPPING CENTRE,400102. If you are travelling from outside Mumbai, search for the branch on a maps application using the bank name and locality, or call 22-1800223344 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 BARB0SMEJOW and your account number.

Common mistakes to avoid when using IFSC BARB0SMEJOW

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 – SME BRANCH JOGESHWARI WEST, 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: BARB0SMEJOW.
• 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.

Working hours

Branch counters at SME Branch Jogeshwari West 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 BARB0SMEJOW continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC BARB0SMEJOW for Bank of Baroda – SME BRANCH JOGESHWARI WEST, 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.

Branch address & contact

Frequently asked questions

Summary

The IFSC code BARB0SMEJOW belongs to Bank of Baroda's SME BRANCH JOGESHWARI WEST branch, located at MUMBAI 1 ST FLOOR, BARODA HOUSE,BEHIND DEEWAN SHOPPING CENTRE,400102 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.