If you are searching for the IFSC code of Bharat Cooperative Bank Mumbai Limited, JAYANAGAR branch in BANGALORE, KARNATAKA, this page has every detail you need. The verified IFSC code for this branch is BCBM0000035. 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 JAYANAGAR branch, and detailed step-by-step guides for using the IFSC BCBM0000035 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.
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 Bharat Cooperative Bank Mumbai Limited's JAYANAGAR branch, the IFSC BCBM0000035 breaks down as follows: BCBM identifies the bank, 0 is the reserved character, and 000035 identifies this particular branch.
About Bharat Cooperative Bank Mumbai Limited
Bharat Cooperative Bank Mumbai Limited operates a wide network of branches across India, including the Jayanagar branch in Bangalore. 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, BCBM0000035.
Branch details at a glance
| Bank Name | Bharat Cooperative Bank Mumbai Limited |
|---|---|
| Branch | Jayanagar |
| IFSC Code | BCBM0000035 |
| MICR Code | Refer to cheque leaf |
| Branch Address | SHIVA SADAN, 9TH MAIN ROAD, 5TH BLOCK, JAYANAGAR, BANGALORE - 560 041. |
| City | Bangalore |
| District | Bangalore |
| State | Karnataka |
| STD Code | 22 |
| Phone | 22446030 |
Jayanagar branch overview
Located at SHIVA SADAN, 9TH MAIN ROAD, 5TH BLOCK, JAYANAGAR, BANGALORE - 560 041., the Jayanagar branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC BCBM0000035 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 JAYANAGAR branch came to be assigned the code BCBM0000035.
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 BCBM0000035, money simply cannot be routed to the JAYANAGAR branch electronically.
Account types you can open at the Jayanagar branch
Once you have an account at Bharat Cooperative Bank Mumbai Limited – JAYANAGAR, the IFSC BCBM0000035 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.
Banking services available
The Jayanagar branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 22-22446030.
- 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 BCBM0000035
How to transfer money using IFSC BCBM0000035
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 BCBM0000035 across all three.
NEFT to Bharat Cooperative Bank Mumbai Limited, JAYANAGAR using IFSC BCBM0000035
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 BCBM0000035, and confirm that the system picks up Bharat Cooperative Bank Mumbai Limited – JAYANAGAR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC BCBM0000035
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 – JAYANAGAR, ensure your bank's portal accepts IFSC BCBM0000035 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Bharat Cooperative Bank Mumbai Limited JAYANAGAR (IFSC BCBM0000035)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BCBM0000035 in your mobile or internet banking app, and the money is credited to the JAYANAGAR branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Jayanagar
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 BCBM0000035:
- 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 JAYANAGAR is still linked to IFSC BCBM0000035.
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.
UPI payments and IFSC BCBM0000035
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 Bharat Cooperative Bank Mumbai Limited – JAYANAGAR is still mapped to IFSC BCBM0000035. 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 BCBM0000035 and the beneficiary's account number to complete the transfer.
Digital banking channels
Most day-to-day work that customers used to do at the Jayanagar 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 BCBM0000035 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 BCBM0000035 and the account number together uniquely identify the Jayanagar 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 – JAYANAGAR:
- The IFSC is exactly BCBM0000035 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 JAYANAGAR 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 Jayanagar branch sits at SHIVA SADAN, 9TH MAIN ROAD, 5TH BLOCK, JAYANAGAR, BANGALORE - 560 041.. If you are travelling from outside Bangalore, search for the branch on a maps application using the bank name and locality, or call 22-22446030 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 BCBM0000035 and your account number.
Verifying IFSC BCBM0000035 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 BCBM0000035 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 22-22446030.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Jayanagar 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 BCBM0000035 continue to work without interruption.
Branch address & contact
Bharat Cooperative Bank Mumbai LimitedJayanagar Branch
SHIVA SADAN, 9TH MAIN ROAD, 5TH BLOCK, JAYANAGAR, BANGALORE - 560 041.
Bangalore, Karnataka
Phone: 22-22446030
IFSC: BCBM0000035
Frequently asked questions
Where is Bharat Cooperative Bank Mumbai Limited Jayanagar branch located?
Bharat Cooperative Bank Mumbai Limited's Jayanagar branch is located at SHIVA SADAN, 9TH MAIN ROAD, 5TH BLOCK, JAYANAGAR, BANGALORE - 560 041., Bangalore, Karnataka.
Does Bharat Cooperative Bank Mumbai Limited Jayanagar branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 22-22446030 to confirm.
Is IFSC BCBM0000035 the same for all accounts at Jayanagar branch?
Yes. The IFSC BCBM0000035 is shared by every account held at Bharat Cooperative Bank Mumbai Limited's Jayanagar branch. Only the account number changes from customer to customer.
How quickly will an NEFT transfer using BCBM0000035 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Bharat Cooperative Bank Mumbai Limited – Jayanagar reflect within 30 minutes.
What is the phone number of Bharat Cooperative Bank Mumbai Limited Jayanagar branch?
You can reach the branch at 22-22446030 during regular banking hours.
How do I add Bharat Cooperative Bank Mumbai Limited Jayanagar as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC BCBM0000035, and complete OTP verification. Once activated, you can transfer funds at any time.
Final notes
To recap: BCBM0000035 is the IFSC code of Bharat Cooperative Bank Mumbai Limited, JAYANAGAR branch, in BANGALORE, KARNATAKA. 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.
