IFSC Code of The Mehsana Urban Cooperative Bank, Baroda Branch, Gujarat

Use this page as a one-stop reference for everything related to The Mehsana Urban Cooperative Bank's BARODA branch in BARODA, GUJARAT. The branch's IFSC code MSNU0000020 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 The Mehsana Urban Cooperative Bank's BARODA branch, the IFSC MSNU0000020 breaks down as follows: MSNU identifies the bank, 0 is the reserved character, and 000020 identifies this particular branch.

Branch details at a glance

Bank profile

The Mehsana Urban Cooperative Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Baroda branch — IFSC MSNU0000020 — extends the bank's services to customers in and around Baroda, Gujarat.

About the Baroda branch

The Baroda branch of The Mehsana Urban Cooperative Bank is situated at 1, GROUND FLOOR, ABHINAV COMPLEX, DELUX CROSS ROAD, NIZAMPURA, VADODARA - 390024, DIST. - VADODARA, STATE - GUJARAT. 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 MSNU0000020 is used.

Why every The Mehsana Urban Cooperative Bank 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 BARODA of The Mehsana Urban Cooperative Bank — its own 11-character IFSC. The code MSNU0000020 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 MSNU0000020 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 MSNU0000020

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 MSNU0000020 across all three.

NEFT to The Mehsana Urban Cooperative Bank, BARODA using IFSC MSNU0000020

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 MSNU0000020, and confirm that the system picks up The Mehsana Urban Cooperative Bank – BARODA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to BARODA

If you need to transfer ₹2 lakh or more in one go to an account at The Mehsana Urban Cooperative Bank's BARODA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC MSNU0000020 while initiating the transfer and the credit will appear within minutes.

IMPS to The Mehsana Urban Cooperative Bank BARODA (IFSC MSNU0000020)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC MSNU0000020 in your mobile or internet banking app, and the money is credited to the BARODA branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Baroda

The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC MSNU0000020:

• NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
• RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
• IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
• UPI — best for small peer-to-peer payments using a VPA; the underlying account at BARODA is still linked to IFSC MSNU0000020.

For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.

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 The Mehsana Urban Cooperative Bank's BARODA branch, the IFSC MSNU0000020 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 Baroda branch is mapped to IFSC MSNU0000020 on the RBI payments network. The branch generally supports the full retail product catalogue of The Mehsana Urban Cooperative Bank, 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 MSNU0000020.

Products and services

Customers walking into the Baroda branch can access most of The Mehsana Urban Cooperative Bank'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 MSNU0000020

MICR & cheque-truncation details

Cheques drawn on the Baroda branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC MSNU0000020 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Digital banking channels

Most day-to-day work that customers used to do at the Baroda 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 MSNU0000020 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.

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 The Mehsana Urban Cooperative Bank – BARODA:

• The IFSC is exactly MSNU0000020 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills The Mehsana Urban Cooperative Bank as the bank name and BARODA 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 Baroda branch sits at 1, GROUND FLOOR, ABHINAV COMPLEX, DELUX CROSS ROAD, NIZAMPURA, VADODARA - 390024, DIST. - VADODARA, STATE - GUJARAT. If you are travelling from outside Baroda, search for the branch on a maps application using the bank name and locality, or call 265-2780530 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 MSNU0000020 and your account number.

Verifying IFSC MSNU0000020 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 MSNU0000020 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 265-2780530.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Baroda are usually open from 10 AM to 4 PM on weekdays. Saturdays follow the RBI's alternate-Saturday rule. Even when the branch is closed, NEFT, RTGS, IMPS and UPI transfers addressed to MSNU0000020 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code MSNU0000020 belongs to The Mehsana Urban Cooperative Bank's BARODA branch, located at 1, GROUND FLOOR, ABHINAV COMPLEX, DELUX CROSS ROAD, NIZAMPURA, VADODARA -… in BARODA, 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.