IFSC Code of Bharat Cooperative Bank Mumbai Limited, Ambernath East Branch, Maharashtra

Use this page as a one-stop reference for everything related to Bharat Cooperative Bank Mumbai Limited's AMBERNATH EAST branch in AMBERNATH, MAHARASHTRA. The branch's IFSC code BCBM0000074 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.

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, BCBM0000074 is the IFSC of Bharat Cooperative Bank Mumbai Limited's AMBERNATH EAST branch. The format is fixed: BCBM = bank code, 0 = reserved, 000074 = branch identifier.

Bank profile

Bharat Cooperative Bank Mumbai Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Ambernath East branch — IFSC BCBM0000074 — extends the bank's services to customers in and around Ambernath, Maharashtra.

Ambernath East branch overview

Located at SHOP NO.4 AND 5, GODAVARI HEIGHTS, NEAR DATTA MANDIR, BAJIPRABHU DESHPANDE ROAD, VADAVLI, AMBERNATH EAST, DIST-THANE 421501, the Ambernath East branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC BCBM0000074 is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

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 AMBERNATH EAST branch came to be assigned the code BCBM0000074.

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 BCBM0000074, money simply cannot be routed to the AMBERNATH EAST branch electronically.

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 BCBM0000074 and the account number together uniquely identify the Ambernath East branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC BCBM0000074

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 BCBM0000074 across all three.

NEFT to Bharat Cooperative Bank Mumbai Limited, AMBERNATH EAST using IFSC BCBM0000074

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 BCBM0000074, and confirm that the system picks up Bharat Cooperative Bank Mumbai Limited – AMBERNATH EAST. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC BCBM0000074

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 Bharat Cooperative Bank Mumbai Limited – AMBERNATH EAST, ensure your bank's portal accepts IFSC BCBM0000074 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Bharat Cooperative Bank Mumbai Limited AMBERNATH EAST (IFSC BCBM0000074)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BCBM0000074 in your mobile or internet banking app, and the money is credited to the AMBERNATH EAST branch account within seconds.

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

All three modes accept the IFSC BCBM0000074 for Bharat Cooperative Bank Mumbai Limited – AMBERNATH EAST, 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 Ambernath East 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 Bharat Cooperative Bank Mumbai Limited's AMBERNATH EAST branch, the IFSC BCBM0000074 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.

Account types you can open at the Ambernath East branch

Once you have an account at Bharat Cooperative Bank Mumbai Limited – AMBERNATH EAST, the IFSC BCBM0000074 stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

Products and services

Customers walking into the Ambernath East 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 BCBM0000074

Digital banking channels

Most day-to-day work that customers used to do at the Ambernath East 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 BCBM0000074 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.

Reaching the branch

The Ambernath East branch sits at SHOP NO.4 AND 5, GODAVARI HEIGHTS, NEAR DATTA MANDIR, BAJIPRABHU DESHPANDE ROAD, VADAVLI, AMBERNATH EAST, DIST-THANE 421501. If you are travelling from outside Ambernath, 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 BCBM0000074 and your account number.

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 – AMBERNATH EAST:

• The IFSC is exactly BCBM0000074 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 AMBERNATH EAST 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.

Working hours

Branch counters at Ambernath East 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 BCBM0000074 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC BCBM0000074 for Bharat Cooperative Bank Mumbai Limited – AMBERNATH EAST, 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 address & contact

Frequently asked questions

Final notes

To recap: BCBM0000074 is the IFSC code of Bharat Cooperative Bank Mumbai Limited, AMBERNATH EAST branch, in AMBERNATH, 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.