IFSC Code of Bharat Cooperative Bank Mumbai Limited, Akurli Road Kandivli East Branch, Maharashtra

This page lists the IFSC code, branch address, contact number and fund-transfer information for Bharat Cooperative Bank Mumbai Limited, AKURLI ROAD KANDIVLI EAST branch in MUMBAI. The 11-digit IFSC BCBM0000089 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Bharat Cooperative Bank Mumbai Limited at the AKURLI ROAD KANDIVLI EAST location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this 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 AKURLI ROAD KANDIVLI EAST branch, the IFSC BCBM0000089 breaks down as follows: BCBM identifies the bank, 0 is the reserved character, and 000089 identifies this particular branch.

Bank profile

Bharat Cooperative Bank Mumbai Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Akurli Road Kandivli East branch — IFSC BCBM0000089 — extends the bank's services to customers in and around Mumbai, Maharashtra.

About the Akurli Road Kandivli East branch

The Akurli Road Kandivli East branch of Bharat Cooperative Bank Mumbai Limited is situated at BUNGLOW NO. 2, SHREE MIRA CHS LTD., AKURLI ROAD, KANDIVLI EAST, MUMBAI-400101. 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 BCBM0000089 is used.

Branch details at a glance

The role of IFSC in India's payments network

India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how Bharat Cooperative Bank Mumbai Limited's AKURLI ROAD KANDIVLI EAST branch came to be assigned the code BCBM0000089.

Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC BCBM0000089, money simply cannot be routed to the AKURLI ROAD KANDIVLI EAST branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Akurli Road Kandivli East branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC BCBM0000089 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC BCBM0000089

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 BCBM0000089 across all three.

NEFT to Bharat Cooperative Bank Mumbai Limited, AKURLI ROAD KANDIVLI EAST using IFSC BCBM0000089

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 BCBM0000089, and confirm that the system picks up Bharat Cooperative Bank Mumbai Limited – AKURLI ROAD KANDIVLI EAST. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC BCBM0000089

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 – AKURLI ROAD KANDIVLI EAST, ensure your bank's portal accepts IFSC BCBM0000089 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 – AKURLI ROAD KANDIVLI EAST, use IMPS. With IFSC BCBM0000089 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 BCBM0000089 for Bharat Cooperative Bank Mumbai Limited – AKURLI ROAD KANDIVLI EAST, 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 Akurli Road Kandivli East 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.

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 AKURLI ROAD KANDIVLI EAST branch, the IFSC BCBM0000089 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 Akurli Road Kandivli East branch is mapped to IFSC BCBM0000089 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 BCBM0000089.

Products and services

Customers walking into the Akurli Road Kandivli East 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 BCBM0000089

Online banking and IFSC BCBM0000089

Bharat Cooperative Bank Mumbai Limited customers can register for net banking and the bank's official mobile app once their account at the AKURLI ROAD KANDIVLI EAST 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 BCBM0000089 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.

Reaching the branch

The Akurli Road Kandivli East branch sits at BUNGLOW NO. 2, SHREE MIRA CHS LTD., AKURLI ROAD, KANDIVLI EAST, MUMBAI-400101. If you are travelling from outside Mumbai, search for the branch on a maps application using the bank name and locality, or call 22-1 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 BCBM0000089 and your account number.

Common mistakes to avoid when using IFSC BCBM0000089

An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to Bharat Cooperative Bank Mumbai Limited – AKURLI ROAD KANDIVLI EAST, double-check for these issues:

• Confusing 0 with O. The fifth character of every IFSC is the digit 0, not the letter O. Read carefully.
• Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters: BCBM0000089.
• Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
• Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
• Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.

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 Akurli Road Kandivli East branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BCBM0000089, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC BCBM0000089 for Bharat Cooperative Bank Mumbai Limited – AKURLI ROAD KANDIVLI EAST, 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 address & contact

Frequently asked questions

Final notes

To recap: BCBM0000089 is the IFSC code of Bharat Cooperative Bank Mumbai Limited, AKURLI ROAD KANDIVLI EAST branch, in MUMBAI, MAHARASHTRA. 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.