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

Below are the complete branch details for Bharat Cooperative Bank Mumbai Limited, KORAMANGALA branch, located in BENGALURU, KARNATAKA. The IFSC assigned by the Reserve Bank of India to this branch is BCBM0000077. 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 BCBM0000077 for Bharat Cooperative Bank Mumbai Limited – KORAMANGALA — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 KORAMANGALA branch, the IFSC BCBM0000077 breaks down as follows: BCBM identifies the bank, 0 is the reserved character, and 000077 identifies this particular branch.

Branch details at a glance

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 Koramangala branch in Bengaluru, Karnataka is part of this network and uses the IFSC code BCBM0000077 for all electronic settlement.

About the Koramangala branch

The Koramangala branch of Bharat Cooperative Bank Mumbai Limited is situated at PARAGON PRIMA, GROUND FLOOR, NO.39, 8TH MAIN, KORAMANGALA, 4TH BLOCK BENGALURU- 560034. 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 BCBM0000077 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 KORAMANGALA of Bharat Cooperative Bank Mumbai Limited — its own 11-character IFSC. The code BCBM0000077 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 BCBM0000077 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC BCBM0000077

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 BCBM0000077 across all three.

How to use IFSC BCBM0000077 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 KORAMANGALA 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 BCBM0000077.
4. Confirm the bank name auto-populates as Bharat Cooperative Bank Mumbai Limited and the branch as KORAMANGALA.
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 KORAMANGALA

If you need to transfer ₹2 lakh or more in one go to an account at Bharat Cooperative Bank Mumbai Limited's KORAMANGALA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BCBM0000077 while initiating the transfer and the credit will appear within minutes.

IMPS to Bharat Cooperative Bank Mumbai Limited KORAMANGALA (IFSC BCBM0000077)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BCBM0000077 in your mobile or internet banking app, and the money is credited to the KORAMANGALA branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Koramangala

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 BCBM0000077:

• 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 KORAMANGALA is still linked to IFSC BCBM0000077.

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 KORAMANGALA branch, the IFSC BCBM0000077 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 Koramangala branch

Once you have an account at Bharat Cooperative Bank Mumbai Limited – KORAMANGALA, the IFSC BCBM0000077 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 Koramangala branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 22-61890000.

• 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 BCBM0000077

MICR & cheque-truncation details

Cheques drawn on the Koramangala branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC BCBM0000077 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC BCBM0000077

Bharat Cooperative Bank Mumbai Limited customers can register for net banking and the bank's official mobile app once their account at the KORAMANGALA 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 BCBM0000077 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.

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 – KORAMANGALA:

• The IFSC is exactly BCBM0000077 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 KORAMANGALA 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 Koramangala branch sits at PARAGON PRIMA, GROUND FLOOR, NO.39, 8TH MAIN, KORAMANGALA, 4TH BLOCK BENGALURU- 560034. If you are travelling from outside Bengaluru, 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 BCBM0000077 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC BCBM0000077 for Bharat Cooperative Bank Mumbai Limited – KORAMANGALA, 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 Koramangala 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 BCBM0000077 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code BCBM0000077 belongs to Bharat Cooperative Bank Mumbai Limited's KORAMANGALA branch, located at PARAGON PRIMA, GROUND FLOOR, NO.39, 8TH MAIN, KORAMANGALA, 4TH BLOCK… in BENGALURU, KARNATAKA. 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.