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

Use this page as a one-stop reference for everything related to Bharat Cooperative Bank Mumbai Limited's MULKI branch in MULKI, KARNATAKA. The branch's IFSC code BCBM0000054 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.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, BCBM0000054 is the IFSC of Bharat Cooperative Bank Mumbai Limited's MULKI branch. The format is fixed: BCBM = bank code, 0 = reserved, 000054 = branch identifier.

About Bharat Cooperative Bank Mumbai Limited

Bharat Cooperative Bank Mumbai Limited operates a wide network of branches across India, including the Mulki branch in Mulki. 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, BCBM0000054.

Branch details at a glance

About this branch

The branch is located at SHAMBHAVI COMPLEX, NEAR BUS STAND, MULKY 574154. It serves the Mulki region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Bharat Cooperative Bank Mumbai Limited. The IFSC BCBM0000054 is used to identify this branch on the RBI payments network.

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 MULKI of Bharat Cooperative Bank Mumbai Limited — its own 11-character IFSC. The code BCBM0000054 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 BCBM0000054 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 Mulki branch

Once you have an account at Bharat Cooperative Bank Mumbai Limited – MULKI, the IFSC BCBM0000054 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 Mulki 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 BCBM0000054

How to transfer money using IFSC BCBM0000054

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 BCBM0000054 across all three.

How to use IFSC BCBM0000054 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 MULKI 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 BCBM0000054.
4. Confirm the bank name auto-populates as Bharat Cooperative Bank Mumbai Limited and the branch as MULKI.
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 MULKI

If you need to transfer ₹2 lakh or more in one go to an account at Bharat Cooperative Bank Mumbai Limited's MULKI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BCBM0000054 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 – MULKI, use IMPS. With IFSC BCBM0000054 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 BCBM0000054 for Bharat Cooperative Bank Mumbai Limited – MULKI, 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 Mulki 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 BCBM0000054

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 – MULKI is still mapped to IFSC BCBM0000054. 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 BCBM0000054 and the beneficiary's account number to complete the transfer.

Online banking and IFSC BCBM0000054

Bharat Cooperative Bank Mumbai Limited customers can register for net banking and the bank's official mobile app once their account at the MULKI 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 BCBM0000054 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 & cheque-truncation details

Cheques drawn on the Mulki branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC BCBM0000054 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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 – MULKI:

• The IFSC is exactly BCBM0000054 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 MULKI 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 Mulki branch

The branch is located at SHAMBHAVI COMPLEX, NEAR BUS STAND, MULKY 574154, which puts it inside Mulki, the broader Dakshin Kannad 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 Mulki branch” — the verified location pin for IFSC BCBM0000054 should appear at the top of the results.
2. Confirm the branch is open by calling 824-2294001 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 BCBM0000054 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC BCBM0000054 for Bharat Cooperative Bank Mumbai Limited – MULKI, 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 Mulki branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BCBM0000054, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code BCBM0000054 belongs to Bharat Cooperative Bank Mumbai Limited's MULKI branch, located at SHAMBHAVI COMPLEX, NEAR BUS STAND, MULKY 574154 in MULKI, 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.