IFSC Code of Bharat Cooperative Bank Mumbai Limited, Bhandup Branch Branch, Maharashtra

Below are the complete branch details for Bharat Cooperative Bank Mumbai Limited, BHANDUP BRANCH branch, located in MUMBAI, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is BCBM0000003. 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 BCBM0000003 for Bharat Cooperative Bank Mumbai Limited – BHANDUP BRANCH — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for Bharat Cooperative Bank Mumbai Limited – BHANDUP BRANCH is BCBM0000003. The first four letters BCBM are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000003 map to this branch in MUMBAI, MAHARASHTRA.

About Bharat Cooperative Bank Mumbai Limited

Bharat Cooperative Bank Mumbai Limited operates a wide network of branches across India, including the Bhandup Branch branch in Mumbai. 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, BCBM0000003.

Bhandup Branch branch overview

Located at GAUTAM UDYOG BHAVAN,GR. FLOOR, L.B.S.MARG, BHANDUP(WEST),MUMBAI-400078, the Bhandup Branch branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC BCBM0000003 is required for all interbank electronic transfers routed through this branch.

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 BHANDUP BRANCH branch came to be assigned the code BCBM0000003.

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 BCBM0000003, money simply cannot be routed to the BHANDUP BRANCH branch electronically.

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by Bharat Cooperative Bank Mumbai Limited carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC BCBM0000003 and the account number together uniquely identify the Bhandup Branch branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC BCBM0000003

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 BCBM0000003 across all three.

How to use IFSC BCBM0000003 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 BHANDUP BRANCH 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 BCBM0000003.
4. Confirm the bank name auto-populates as Bharat Cooperative Bank Mumbai Limited and the branch as BHANDUP BRANCH.
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 BHANDUP BRANCH

If you need to transfer ₹2 lakh or more in one go to an account at Bharat Cooperative Bank Mumbai Limited's BHANDUP BRANCH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BCBM0000003 while initiating the transfer and the credit will appear within minutes.

IMPS to Bharat Cooperative Bank Mumbai Limited BHANDUP BRANCH (IFSC BCBM0000003)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BCBM0000003 in your mobile or internet banking app, and the money is credited to the BHANDUP BRANCH branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC BCBM0000003 for Bharat Cooperative Bank Mumbai Limited – BHANDUP BRANCH, 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 Bhandup Branch 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 BCBM0000003

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 – BHANDUP BRANCH is still mapped to IFSC BCBM0000003. 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 BCBM0000003 and the beneficiary's account number to complete the transfer.

Account types you can open at the Bhandup Branch branch

Once you have an account at Bharat Cooperative Bank Mumbai Limited – BHANDUP BRANCH, the IFSC BCBM0000003 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 Bhandup Branch branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 22-65134902.

• 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 BCBM0000003

Online banking and IFSC BCBM0000003

Bharat Cooperative Bank Mumbai Limited customers can register for net banking and the bank's official mobile app once their account at the BHANDUP BRANCH 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 BCBM0000003 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 Bhandup Branch branch sits at GAUTAM UDYOG BHAVAN,GR. FLOOR, L.B.S.MARG, BHANDUP(WEST),MUMBAI-400078. If you are travelling from outside Mumbai, search for the branch on a maps application using the bank name and locality, or call 22-65134902 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 BCBM0000003 and your account number.

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 – BHANDUP BRANCH:

• The IFSC is exactly BCBM0000003 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 BHANDUP BRANCH 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.

Working hours

Branch counters at Bhandup Branch 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 BCBM0000003 continue to work without interruption.

Verifying IFSC BCBM0000003 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 BCBM0000003 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 22-65134902.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Summary

The IFSC code BCBM0000003 belongs to Bharat Cooperative Bank Mumbai Limited's BHANDUP BRANCH branch, located at GAUTAM UDYOG BHAVAN,GR. FLOOR, L.B.S.MARG, BHANDUP(WEST),MUMBAI-400078 in MUMBAI, MAHARASHTRA. 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.