IFSC Code of Bank of Baroda, Msme Surat Branch, Gujarat

This page lists the IFSC code, branch address, contact number and fund-transfer information for Bank of Baroda, MSME SURAT branch in SURAT. The 11-digit IFSC BARB0VJMSUR 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 MSME SURAT 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 – MSME SURAT is BARB0VJMSUR. The first four letters BARB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters VJMSUR map to this branch in SURAT, GUJARAT.

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 Msme Surat branch — IFSC BARB0VJMSUR — extends the bank's services to customers in and around Surat, Gujarat.

Msme Surat branch overview

Located at PB NO 292 RING ROAD SAHARA DARWAJA SURAT GUJARAT 395003, the Msme Surat branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC BARB0VJMSUR 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 MSME SURAT of Bank of Baroda — its own 11-character IFSC. The code BARB0VJMSUR 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 BARB0VJMSUR 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 BARB0VJMSUR

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 BARB0VJMSUR across all three.

NEFT to Bank of Baroda, MSME SURAT using IFSC BARB0VJMSUR

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 BARB0VJMSUR, and confirm that the system picks up Bank of Baroda – MSME SURAT. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC BARB0VJMSUR

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 – MSME SURAT, ensure your bank's portal accepts IFSC BARB0VJMSUR while registering the beneficiary. RTGS is also available 24x7.

IMPS to Bank of Baroda MSME SURAT (IFSC BARB0VJMSUR)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BARB0VJMSUR in your mobile or internet banking app, and the money is credited to the MSME SURAT branch account within seconds.

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

All three modes accept the IFSC BARB0VJMSUR for Bank of Baroda – MSME SURAT, 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 Msme Surat 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 BARB0VJMSUR

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 – MSME SURAT is still mapped to IFSC BARB0VJMSUR. 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 BARB0VJMSUR and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Msme Surat branch is mapped to IFSC BARB0VJMSUR 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 BARB0VJMSUR.

Banking services available

The Msme Surat branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 22-1800223344.

• 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 BARB0VJMSUR

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 BARB0VJMSUR and the account number together uniquely identify the Msme Surat branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC BARB0VJMSUR

Bank of Baroda customers can register for net banking and the bank's official mobile app once their account at the MSME SURAT 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 BARB0VJMSUR 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.

Common mistakes to avoid when using IFSC BARB0VJMSUR

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 – MSME SURAT, 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: BARB0VJMSUR.
• 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.

How to reach the Msme Surat branch

The branch is located at PB NO 292 RING ROAD SAHARA DARWAJA SURAT GUJARAT 395003, which puts it inside Surat, the broader Surat district, and the state of Gujarat. To plan your visit:

1. Open Google Maps on your phone and search for “Bank of Baroda Msme Surat branch” — the verified location pin for IFSC BARB0VJMSUR should appear at the top of the results.
2. Confirm the branch is open by calling 22-1800223344 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 BARB0VJMSUR and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC BARB0VJMSUR for Bank of Baroda – MSME SURAT, 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 Msme Surat branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BARB0VJMSUR, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code BARB0VJMSUR belongs to Bank of Baroda's MSME SURAT branch, located at PB NO 292 RING ROAD SAHARA DARWAJA SURAT GUJARAT 395003 in SURAT, GUJARAT. 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.