IFSC Code of Bank of Baroda, Banaras Bank Chowk Branch, Bihar

Below are the complete branch details for Bank of Baroda, BANARAS BANK CHOWK branch, located in MUZAFFARPUR, BIHAR. The IFSC assigned by the Reserve Bank of India to this branch is BARB0BANMUZ. 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 BARB0BANMUZ for Bank of Baroda – BANARAS BANK CHOWK — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For Bank of Baroda's BANARAS BANK CHOWK branch, the IFSC BARB0BANMUZ breaks down as follows: BARB identifies the bank, 0 is the reserved character, and BANMUZ identifies this particular branch.

About Bank of Baroda

Bank of Baroda operates a wide network of branches across India, including the Banaras Bank Chowk branch in Muzaffarpur. 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, BARB0BANMUZ.

Branch details at a glance

About the Banaras Bank Chowk branch

The Banaras Bank Chowk branch of Bank of Baroda is situated at BANARAS BANK CHOWK MUZAFFARPUR BIHAR 842001. 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 BARB0BANMUZ is used.

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 BANARAS BANK CHOWK branch came to be assigned the code BARB0BANMUZ.

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 BARB0BANMUZ, money simply cannot be routed to the BANARAS BANK CHOWK branch electronically.

Products and account variants supported

Every account opened at the Banaras Bank Chowk branch is mapped to IFSC BARB0BANMUZ 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 BARB0BANMUZ.

Products and services

Customers walking into the Banaras Bank Chowk 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 BARB0BANMUZ

How to transfer money using IFSC BARB0BANMUZ

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 BARB0BANMUZ across all three.

How to use IFSC BARB0BANMUZ for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Bank of Baroda's BANARAS BANK CHOWK 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 BARB0BANMUZ.
4. Confirm the bank name auto-populates as Bank of Baroda and the branch as BANARAS BANK CHOWK.
5. 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 BANARAS BANK CHOWK

If you need to transfer ₹2 lakh or more in one go to an account at Bank of Baroda's BANARAS BANK CHOWK branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BARB0BANMUZ 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 – BANARAS BANK CHOWK, use IMPS. With IFSC BARB0BANMUZ 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 BARB0BANMUZ for Bank of Baroda – BANARAS BANK CHOWK, 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 Banaras Bank Chowk 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 BARB0BANMUZ

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 – BANARAS BANK CHOWK is still mapped to IFSC BARB0BANMUZ. 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 BARB0BANMUZ and the beneficiary's account number to complete the transfer.

Online banking and IFSC BARB0BANMUZ

Bank of Baroda customers can register for net banking and the bank's official mobile app once their account at the BANARAS BANK CHOWK 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 BARB0BANMUZ 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 BARB0BANMUZ and the account number together uniquely identify the Banaras Bank Chowk branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Common mistakes to avoid when using IFSC BARB0BANMUZ

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 – BANARAS BANK CHOWK, 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: BARB0BANMUZ.
• 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.

Reaching the branch

The Banaras Bank Chowk branch sits at BANARAS BANK CHOWK MUZAFFARPUR BIHAR 842001. If you are travelling from outside Muzaffarpur, 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 BARB0BANMUZ and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC BARB0BANMUZ for Bank of Baroda – BANARAS BANK CHOWK, 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 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 Banaras Bank Chowk branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BARB0BANMUZ, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code BARB0BANMUZ belongs to Bank of Baroda's BANARAS BANK CHOWK branch, located at BANARAS BANK CHOWK MUZAFFARPUR BIHAR 842001 in MUZAFFARPUR, BIHAR. 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.