IFSC Code of Bank of Baroda, M S M E Muzaffarnagar Branch, Uttar Pradesh

Use this page as a one-stop reference for everything related to Bank of Baroda's M S M E MUZAFFARNAGAR branch in MUZZAFARNAGAR,UP, UTTAR PRADESH. The branch's IFSC code BARB0VJMMUZ is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

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 M S M E MUZAFFARNAGAR branch, the IFSC BARB0VJMMUZ breaks down as follows: BARB identifies the bank, 0 is the reserved character, and VJMMUZ identifies this particular branch.

Bank profile

Bank of Baroda is among the recognised banks listed on the Reserve Bank of India's payments network. The M S M E Muzaffarnagar branch — IFSC BARB0VJMMUZ — extends the bank's services to customers in and around Muzzafarnagar,Up, Uttar Pradesh.

Branch details at a glance

M S M E Muzaffarnagar branch overview

Located at NO 187 COURT ROADMUZZAFARNAGAR 251001, the M S M E Muzaffarnagar branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC BARB0VJMMUZ 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 M S M E MUZAFFARNAGAR of Bank of Baroda — its own 11-character IFSC. The code BARB0VJMMUZ 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 BARB0VJMMUZ 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 M S M E Muzaffarnagar branch is mapped to IFSC BARB0VJMMUZ 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 BARB0VJMMUZ.

Banking services available

The M S M E Muzaffarnagar branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 24-1800223346.

• 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 BARB0VJMMUZ

How to transfer money using IFSC BARB0VJMMUZ

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 BARB0VJMMUZ across all three.

NEFT to Bank of Baroda, M S M E MUZAFFARNAGAR using IFSC BARB0VJMMUZ

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 BARB0VJMMUZ, and confirm that the system picks up Bank of Baroda – M S M E MUZAFFARNAGAR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC BARB0VJMMUZ

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 – M S M E MUZAFFARNAGAR, ensure your bank's portal accepts IFSC BARB0VJMMUZ while registering the beneficiary. RTGS is also available 24x7.

IMPS to Bank of Baroda M S M E MUZAFFARNAGAR (IFSC BARB0VJMMUZ)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BARB0VJMMUZ in your mobile or internet banking app, and the money is credited to the M S M E MUZAFFARNAGAR branch account within seconds.

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

All three modes accept the IFSC BARB0VJMMUZ for Bank of Baroda – M S M E MUZAFFARNAGAR, 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 M S M E Muzaffarnagar 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 BARB0VJMMUZ

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 – M S M E MUZAFFARNAGAR is still mapped to IFSC BARB0VJMMUZ. 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 BARB0VJMMUZ and the beneficiary's account number to complete the transfer.

Online banking and IFSC BARB0VJMMUZ

Bank of Baroda customers can register for net banking and the bank's official mobile app once their account at the M S M E MUZAFFARNAGAR 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 BARB0VJMMUZ 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 M S M E Muzaffarnagar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC BARB0VJMMUZ 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 – M S M E MUZAFFARNAGAR:

• The IFSC is exactly BARB0VJMMUZ 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 M S M E MUZAFFARNAGAR 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 M S M E Muzaffarnagar branch

The branch is located at NO 187 COURT ROADMUZZAFARNAGAR 251001, which puts it inside Muzzafarnagar,Up, the broader Muzzafarnagar,Up district, and the state of Uttar Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “Bank of Baroda M S M E Muzaffarnagar branch” — the verified location pin for IFSC BARB0VJMMUZ should appear at the top of the results.
2. Confirm the branch is open by calling 24-1800223346 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 BARB0VJMMUZ and your account number.

Verifying IFSC BARB0VJMMUZ 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 BARB0VJMMUZ by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 24-1800223346.
• 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 M S M E Muzaffarnagar branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BARB0VJMMUZ, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: BARB0VJMMUZ is the IFSC code of Bank of Baroda, M S M E MUZAFFARNAGAR branch, in MUZZAFARNAGAR,UP, UTTAR PRADESH. 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.