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

Use this page as a one-stop reference for everything related to Bharat Cooperative Bank Mumbai Limited's UJIRE branch in MANGALORE, KARNATAKA. The branch's IFSC code BCBM0000058 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.

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 UJIRE branch, the IFSC BCBM0000058 breaks down as follows: BCBM identifies the bank, 0 is the reserved character, and 000058 identifies this particular branch.

Branch details at a glance

Bank profile

Bharat Cooperative Bank Mumbai Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Ujire branch — IFSC BCBM0000058 — extends the bank's services to customers in and around Mangalore, Karnataka.

Ujire branch overview

Located at SAIRAM CENTRAL, 1ST FLOOR, BELAL CROSS, UJIRE, DIST. DAKSHINA KANNADA 574240, the Ujire branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC BCBM0000058 is required for all interbank electronic transfers routed through this branch.

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 UJIRE of Bharat Cooperative Bank Mumbai Limited — its own 11-character IFSC. The code BCBM0000058 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 BCBM0000058 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 BCBM0000058

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 BCBM0000058 across all three.

NEFT to Bharat Cooperative Bank Mumbai Limited, UJIRE using IFSC BCBM0000058

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 BCBM0000058, and confirm that the system picks up Bharat Cooperative Bank Mumbai Limited – UJIRE. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC BCBM0000058

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 – UJIRE, ensure your bank's portal accepts IFSC BCBM0000058 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Bharat Cooperative Bank Mumbai Limited – UJIRE, use IMPS. With IFSC BCBM0000058 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 Ujire

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 BCBM0000058:

• 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 UJIRE is still linked to IFSC BCBM0000058.

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 UJIRE branch, the IFSC BCBM0000058 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.

Products and account variants supported

Every account opened at the Ujire branch is mapped to IFSC BCBM0000058 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 BCBM0000058.

Products and services

Customers walking into the Ujire 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 BCBM0000058

MICR & cheque-truncation details

Cheques drawn on the Ujire branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC BCBM0000058 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC BCBM0000058

Bharat Cooperative Bank Mumbai Limited customers can register for net banking and the bank's official mobile app once their account at the UJIRE 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 BCBM0000058 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 – UJIRE:

• The IFSC is exactly BCBM0000058 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 UJIRE 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 Ujire branch sits at SAIRAM CENTRAL, 1ST FLOOR, BELAL CROSS, UJIRE, DIST. DAKSHINA KANNADA 574240. If you are travelling from outside Mangalore, search for the branch on a maps application using the bank name and locality, or call 8256-9967227398 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 BCBM0000058 and your account number.

Verifying IFSC BCBM0000058 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 BCBM0000058 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 8256-9967227398.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Ujire 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 BCBM0000058 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code BCBM0000058 belongs to Bharat Cooperative Bank Mumbai Limited's UJIRE branch, located at SAIRAM CENTRAL, 1ST FLOOR, BELAL CROSS, UJIRE, DIST. DAKSHINA KANNADA 574240 in MANGALORE, 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.