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

If you are searching for the IFSC code of Bharat Cooperative Bank Mumbai Limited, MOODABIDRI branch in MOODABIDRI, KARNATAKA, this page has every detail you need. The verified IFSC code for this branch is BCBM0000047. 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 MOODABIDRI branch, and detailed step-by-step guides for using the IFSC BCBM0000047 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 MOODABIDRI branch, the IFSC BCBM0000047 breaks down as follows: BCBM identifies the bank, 0 is the reserved character, and 000047 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 Moodabidri branch in Moodabidri, Karnataka is part of this network and uses the IFSC code BCBM0000047 for all electronic settlement.

About the Moodabidri branch

The Moodabidri branch of Bharat Cooperative Bank Mumbai Limited is situated at HOTEL VEENU SKY PLAZA, MOODBIDRI KARKALA ROAD, TAL MANGALORE, KARNATAKA STATE 574227. 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 BCBM0000047 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 MOODABIDRI of Bharat Cooperative Bank Mumbai Limited — its own 11-character IFSC. The code BCBM0000047 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 BCBM0000047 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 BCBM0000047

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 BCBM0000047 across all three.

How to use IFSC BCBM0000047 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 MOODABIDRI 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 BCBM0000047.
4. Confirm the bank name auto-populates as Bharat Cooperative Bank Mumbai Limited and the branch as MOODABIDRI.
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 MOODABIDRI

If you need to transfer ₹2 lakh or more in one go to an account at Bharat Cooperative Bank Mumbai Limited's MOODABIDRI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BCBM0000047 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 – MOODABIDRI, use IMPS. With IFSC BCBM0000047 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 Moodabidri

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 BCBM0000047:

• 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 MOODABIDRI is still linked to IFSC BCBM0000047.

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 BCBM0000047

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 – MOODABIDRI is still mapped to IFSC BCBM0000047. 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 BCBM0000047 and the beneficiary's account number to complete the transfer.

Account types you can open at the Moodabidri branch

Once you have an account at Bharat Cooperative Bank Mumbai Limited – MOODABIDRI, the IFSC BCBM0000047 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 Moodabidri branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 8258-238700.

• 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 BCBM0000047

MICR & cheque-truncation details

Cheques drawn on the Moodabidri branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC BCBM0000047 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC BCBM0000047

Bharat Cooperative Bank Mumbai Limited customers can register for net banking and the bank's official mobile app once their account at the MOODABIDRI 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 BCBM0000047 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 – MOODABIDRI:

• The IFSC is exactly BCBM0000047 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 MOODABIDRI 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 Moodabidri branch sits at HOTEL VEENU SKY PLAZA, MOODBIDRI KARKALA ROAD, TAL MANGALORE, KARNATAKA STATE 574227. If you are travelling from outside Moodabidri, search for the branch on a maps application using the bank name and locality, or call 8258-238700 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 BCBM0000047 and your account number.

Verifying IFSC BCBM0000047 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 BCBM0000047 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 8258-238700.
• Visiting the bank's official branch locator page.

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 Moodabidri branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BCBM0000047, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code BCBM0000047 belongs to Bharat Cooperative Bank Mumbai Limited's MOODABIDRI branch, located at HOTEL VEENU SKY PLAZA, MOODBIDRI KARKALA ROAD, TAL MANGALORE, KARNATAKA STATE… in MOODABIDRI, 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.