IFSC Code of Bharat Cooperative Bank Mumbai Limited, Belagavi Branch, Karnataka

Below are the complete branch details for Bharat Cooperative Bank Mumbai Limited, BELAGAVI branch, located in BELAGAVI, KARNATAKA. The IFSC assigned by the Reserve Bank of India to this branch is BCBM0000097. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case BCBM0000097 for Bharat Cooperative Bank Mumbai Limited – BELAGAVI — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for Bharat Cooperative Bank Mumbai Limited – BELAGAVI is BCBM0000097. The first four letters BCBM are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000097 map to this branch in BELAGAVI, KARNATAKA.

About the bank

Bharat Cooperative Bank Mumbai Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Belagavi branch in Belagavi, Karnataka is part of this network and uses the IFSC code BCBM0000097 for all electronic settlement.

Branch details at a glance

About the Belagavi branch

The Belagavi branch of Bharat Cooperative Bank Mumbai Limited is situated at GROUND FLOOR, AMAR EMPIRE, NEAR GOAVES CIRCLE, KHANAPUR ROAD, BELAGAVI- 590001. 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 BCBM0000097 is used.

Why every Bharat Cooperative Bank Mumbai Limited 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 BELAGAVI of Bharat Cooperative Bank Mumbai Limited — its own 11-character IFSC. The code BCBM0000097 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 BCBM0000097 the same way you would treat your account number — verify it once and save it carefully for future use.

Account types you can open at the Belagavi branch

Once you have an account at Bharat Cooperative Bank Mumbai Limited – BELAGAVI, the IFSC BCBM0000097 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 Belagavi 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 BCBM0000097

How to transfer money using IFSC BCBM0000097

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 BCBM0000097 across all three.

How to use IFSC BCBM0000097 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 BELAGAVI 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 BCBM0000097.
4. Confirm the bank name auto-populates as Bharat Cooperative Bank Mumbai Limited and the branch as BELAGAVI.
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 BELAGAVI

If you need to transfer ₹2 lakh or more in one go to an account at Bharat Cooperative Bank Mumbai Limited's BELAGAVI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BCBM0000097 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 – BELAGAVI, use IMPS. With IFSC BCBM0000097 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

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

All three modes accept the IFSC BCBM0000097 for Bharat Cooperative Bank Mumbai Limited – BELAGAVI, 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 Belagavi 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.

UPI payments and IFSC BCBM0000097

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 – BELAGAVI is still mapped to IFSC BCBM0000097. 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 BCBM0000097 and the beneficiary's account number to complete the transfer.

Online banking and IFSC BCBM0000097

Bharat Cooperative Bank Mumbai Limited customers can register for net banking and the bank's official mobile app once their account at the BELAGAVI branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC BCBM0000097 is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.

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 BCBM0000097 and the account number together uniquely identify the Belagavi 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 – BELAGAVI:

• The IFSC is exactly BCBM0000097 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 BELAGAVI 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.

How to reach the Belagavi branch

The branch is located at GROUND FLOOR, AMAR EMPIRE, NEAR GOAVES CIRCLE, KHANAPUR ROAD, BELAGAVI- 590001, which puts it inside Belagavi, the broader Belagavi district, and the state of Karnataka. To plan your visit:

1. Open Google Maps on your phone and search for “Bharat Cooperative Bank Mumbai Limited Belagavi branch” — the verified location pin for IFSC BCBM0000097 should appear at the top of the results.
2. Confirm the branch is open by calling 824-1 before stepping out, especially around public holidays.
3. Carry photo ID and any account-related documents you may need for the transaction you plan to do.

Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC BCBM0000097 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC BCBM0000097 for Bharat Cooperative Bank Mumbai Limited – BELAGAVI, 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 banking hours and holidays

Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Belagavi branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BCBM0000097, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: BCBM0000097 is the IFSC code of Bharat Cooperative Bank Mumbai Limited, BELAGAVI branch, in BELAGAVI, 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.