IFSC Code of Bharat Cooperative Bank Mumbai Limited, Airoli Branch, Maharashtra

If you are searching for the IFSC code of Bharat Cooperative Bank Mumbai Limited, AIROLI branch in AIROLI, MAHARASHTRA, this page has every detail you need. The verified IFSC code for this branch is BCBM0000076. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the AIROLI branch, and detailed step-by-step guides for using the IFSC BCBM0000076 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, BCBM0000076 is the IFSC of Bharat Cooperative Bank Mumbai Limited's AIROLI branch. The format is fixed: BCBM = bank code, 0 = reserved, 000076 = branch identifier.

About Bharat Cooperative Bank Mumbai Limited

Bharat Cooperative Bank Mumbai Limited operates a wide network of branches across India, including the Airoli branch in Airoli. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, BCBM0000076.

Branch details at a glance

Airoli branch overview

Located at SHOP NO. 7,8 AND 9,GROUND FLOOR, RAMDEV COMPLEX CHSL, PLOT NO.53, SECTOR 19, AIROLI, NAVI MUMBAI- 400708, the Airoli branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC BCBM0000076 is required for all interbank electronic transfers routed through this branch.

The role of IFSC in India's payments network

India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how Bharat Cooperative Bank Mumbai Limited's AIROLI branch came to be assigned the code BCBM0000076.

Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC BCBM0000076, money simply cannot be routed to the AIROLI branch electronically.

Products and account variants supported

Every account opened at the Airoli branch is mapped to IFSC BCBM0000076 on the RBI payments network. The branch generally supports the full retail product catalogue of Bharat Cooperative Bank Mumbai Limited, 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 BCBM0000076.

Products and services

Customers walking into the Airoli branch can access most of Bharat Cooperative Bank Mumbai Limited'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 BCBM0000076

How to transfer money using IFSC BCBM0000076

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 BCBM0000076 across all three.

How to use IFSC BCBM0000076 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Bharat Cooperative Bank Mumbai Limited's AIROLI branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC BCBM0000076.
4. Confirm the bank name auto-populates as Bharat Cooperative Bank Mumbai Limited and the branch as AIROLI.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to AIROLI

If you need to transfer ₹2 lakh or more in one go to an account at Bharat Cooperative Bank Mumbai Limited's AIROLI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BCBM0000076 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Bharat Cooperative Bank Mumbai Limited – AIROLI, use IMPS. With IFSC BCBM0000076 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Airoli

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 BCBM0000076:

• 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 AIROLI is still linked to IFSC BCBM0000076.

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 Bharat Cooperative Bank Mumbai Limited's AIROLI branch, the IFSC BCBM0000076 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.

Digital banking channels

Most day-to-day work that customers used to do at the Airoli 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 BCBM0000076 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.

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by Bharat Cooperative Bank Mumbai Limited carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC BCBM0000076 and the account number together uniquely identify the Airoli branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 Bharat Cooperative Bank Mumbai Limited – AIROLI:

• The IFSC is exactly BCBM0000076 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills Bharat Cooperative Bank Mumbai Limited as the bank name and AIROLI 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 Airoli branch sits at SHOP NO. 7,8 AND 9,GROUND FLOOR, RAMDEV COMPLEX CHSL, PLOT NO.53, SECTOR 19, AIROLI, NAVI MUMBAI- 400708. If you are travelling from outside Airoli, search for the branch on a maps application using the bank name and locality, or call 22-61890000 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 BCBM0000076 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC BCBM0000076 for Bharat Cooperative Bank Mumbai Limited – AIROLI, 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.

Working hours

Branch counters at Airoli 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 BCBM0000076 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code BCBM0000076 belongs to Bharat Cooperative Bank Mumbai Limited's AIROLI branch, located at SHOP NO. 7,8 AND 9,GROUND FLOOR, RAMDEV COMPLEX CHSL, PLOT NO.53, SECTOR 19,… in AIROLI, MAHARASHTRA. 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.