IFSC Code of Bank of Baroda, Miraj Branch, Maharashtra

Use this page as a one-stop reference for everything related to Bank of Baroda's MIRAJ branch in SANGLI MIRAJ KUPWAD, MAHARASHTRA. The branch's IFSC code BARB0VJMIRA 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 MIRAJ branch, the IFSC BARB0VJMIRA breaks down as follows: BARB identifies the bank, 0 is the reserved character, and VJMIRA identifies this particular branch.

Branch details at a glance

Bank profile

Bank of Baroda is among the recognised banks listed on the Reserve Bank of India's payments network. The Miraj branch — IFSC BARB0VJMIRA — extends the bank's services to customers in and around Sangli Miraj Kupwad, Maharashtra.

About this branch

The branch is located at PLOT NO.70C , DESHPANDE BUILDING , SHIVAJI ROSD,MIRAJ , MIRAJ , 416410. It serves the Sangli Miraj Kupwad region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Bank of Baroda. The IFSC BARB0VJMIRA is used to identify this branch on the RBI payments network.

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 MIRAJ of Bank of Baroda — its own 11-character IFSC. The code BARB0VJMIRA 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 BARB0VJMIRA the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC BARB0VJMIRA

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 BARB0VJMIRA across all three.

NEFT to Bank of Baroda, MIRAJ using IFSC BARB0VJMIRA

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 BARB0VJMIRA, and confirm that the system picks up Bank of Baroda – MIRAJ. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to MIRAJ

If you need to transfer ₹2 lakh or more in one go to an account at Bank of Baroda's MIRAJ branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BARB0VJMIRA 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 – MIRAJ, use IMPS. With IFSC BARB0VJMIRA 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 BARB0VJMIRA for Bank of Baroda – MIRAJ, 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 Miraj 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 MIRAJ branch, the IFSC BARB0VJMIRA 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 Miraj branch is mapped to IFSC BARB0VJMIRA 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 BARB0VJMIRA.

Products and services

Customers walking into the Miraj 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 BARB0VJMIRA

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 BARB0VJMIRA and the account number together uniquely identify the Miraj branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Digital banking channels

Most day-to-day work that customers used to do at the Miraj 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 BARB0VJMIRA 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.

Common mistakes to avoid when using IFSC BARB0VJMIRA

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 – MIRAJ, 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: BARB0VJMIRA.
• 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 Miraj branch sits at PLOT NO.70C , DESHPANDE BUILDING , SHIVAJI ROSD,MIRAJ , MIRAJ , 416410. If you are travelling from outside Sangli Miraj Kupwad, 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 BARB0VJMIRA and your account number.

Verifying IFSC BARB0VJMIRA 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 BARB0VJMIRA 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 Miraj branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BARB0VJMIRA, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: BARB0VJMIRA is the IFSC code of Bank of Baroda, MIRAJ branch, in SANGLI MIRAJ KUPWAD, MAHARASHTRA. 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.