Below are the complete branch details for Bank of Baroda, MUNDAKAYAM branch, located in MUNDAKAYAM, KERALA. The IFSC assigned by the Reserve Bank of India to this branch is BARB0VJMUKO. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.
The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case BARB0VJMUKO for Bank of Baroda – MUNDAKAYAM — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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 – MUNDAKAYAM is BARB0VJMUKO. The first four letters BARB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters VJMUKO map to this branch in MUNDAKAYAM, KERALA.
About the bank
Bank of Baroda serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Mundakayam branch in Mundakayam, Kerala is part of this network and uses the IFSC code BARB0VJMUKO for all electronic settlement.
Branch details at a glance
| Bank Name | Bank of Baroda |
|---|---|
| Branch | Mundakayam |
| IFSC Code | BARB0VJMUKO |
| MICR Code | Refer to cheque leaf |
| Branch Address | GROUND FLOOR DHANWANTHARI ARCADE , K K ROAD , MUNDAKAYAM, KOTTAYAM , MUNDAKKAYAM , 686513 |
| City | Mundakayam |
| District | Kottayam |
| State | Kerala |
| STD Code | 22 |
| Phone | 1800223344 |
Mundakayam branch overview
Located at GROUND FLOOR DHANWANTHARI ARCADE , K K ROAD , MUNDAKAYAM, KOTTAYAM , MUNDAKKAYAM , 686513, the Mundakayam branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC BARB0VJMUKO is required for all interbank electronic transfers routed through this branch.
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 MUNDAKAYAM branch came to be assigned the code BARB0VJMUKO.
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 BARB0VJMUKO, money simply cannot be routed to the MUNDAKAYAM branch electronically.
Products and account variants supported
Every account opened at the Mundakayam branch is mapped to IFSC BARB0VJMUKO 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 BARB0VJMUKO.
Products and services
Customers walking into the Mundakayam 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 BARB0VJMUKO
How to transfer money using IFSC BARB0VJMUKO
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 BARB0VJMUKO across all three.
How to use IFSC BARB0VJMUKO for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Bank of Baroda's MUNDAKAYAM 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 BARB0VJMUKO.
- Confirm the bank name auto-populates as Bank of Baroda and the branch as MUNDAKAYAM.
- 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 MUNDAKAYAM
If you need to transfer ₹2 lakh or more in one go to an account at Bank of Baroda's MUNDAKAYAM branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BARB0VJMUKO 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 – MUNDAKAYAM, use IMPS. With IFSC BARB0VJMUKO 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 BARB0VJMUKO for Bank of Baroda – MUNDAKAYAM, 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 – BARB0VJMUKO | Yes – BARB0VJMUKO | Yes – BARB0VJMUKO |
For most retail customers crediting the Mundakayam 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 BARB0VJMUKO
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 – MUNDAKAYAM is still mapped to IFSC BARB0VJMUKO. 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 BARB0VJMUKO and the beneficiary's account number to complete the transfer.
Digital banking channels
Most day-to-day work that customers used to do at the Mundakayam 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 BARB0VJMUKO 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.
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 BARB0VJMUKO and the account number together uniquely identify the Mundakayam 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 – MUNDAKAYAM:
- The IFSC is exactly BARB0VJMUKO 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 MUNDAKAYAM 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.
Reaching the branch
The Mundakayam branch sits at GROUND FLOOR DHANWANTHARI ARCADE , K K ROAD , MUNDAKAYAM, KOTTAYAM , MUNDAKKAYAM , 686513. If you are travelling from outside Mundakayam, 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 BARB0VJMUKO and your account number.
Verifying IFSC BARB0VJMUKO 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 BARB0VJMUKO by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 22-1800223344.
- Visiting the bank's official branch locator page.
Branch banking hours and holidays
Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Mundakayam branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BARB0VJMUKO, however, work 24x7.
Branch address & contact
Bank of BarodaMundakayam Branch
GROUND FLOOR DHANWANTHARI ARCADE , K K ROAD , MUNDAKAYAM, KOTTAYAM , MUNDAKKAYAM , 686513
Mundakayam, Kerala
Phone: 22-1800223344
IFSC: BARB0VJMUKO
Frequently asked questions
Is IFSC BARB0VJMUKO the same for all accounts at Mundakayam branch?
Yes. The IFSC BARB0VJMUKO is shared by every account held at Bank of Baroda's Mundakayam branch. Only the account number changes from customer to customer.
Does Bank of Baroda Mundakayam branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 22-1800223344 to confirm.
What is the IFSC code of Bank of Baroda Mundakayam branch?
The IFSC code of Bank of Baroda, Mundakayam branch is BARB0VJMUKO. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How quickly will an NEFT transfer using BARB0VJMUKO be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Bank of Baroda – Mundakayam reflect within 30 minutes.
What is the phone number of Bank of Baroda Mundakayam branch?
You can reach the branch at 22-1800223344 during regular banking hours.
Can I use IFSC BARB0VJMUKO for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC BARB0VJMUKO to send funds instantly.
How do I add Bank of Baroda Mundakayam as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC BARB0VJMUKO, and complete OTP verification. Once activated, you can transfer funds at any time.
Summary
The IFSC code BARB0VJMUKO belongs to Bank of Baroda's MUNDAKAYAM branch, located at GROUND FLOOR DHANWANTHARI ARCADE , K K ROAD , MUNDAKAYAM, KOTTAYAM ,… in MUNDAKAYAM, KERALA. 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.
