Bank of Baroda MOR BHAGWA, DIST SURAT, GUJARAT Branch SURAT MICR code indicate many things about a particular banking operation. Bank of Baroda MOR BHAGWA, DIST SURAT, GUJARAT Branch has many branches in SURAT. MICR Code for Bank of Baroda MOR BHAGWA, DIST SURAT, GUJARAT Branch SURAT clearly shows its MICR Code allocated by RBI. All third party transactions and processing of any such kind can't be possible without MICR code. That is why MICR Code is considered so important in the banking transactions. Getting access to Bank of Baroda MOR BHAGWA, DIST SURAT, GUJARAT Branch MICR codes SURAT is not a big deal. It can be found out easily. The MICR Code of a particular bank indicates lots of things that it offers to account holders.