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

Use this page as a one-stop reference for everything related to Bharat Cooperative Bank Mumbai Limited's CHEMBUR BRANCH branch in MUMBAI, MAHARASHTRA. The branch's IFSC code BCBM0000005 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.

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 – CHEMBUR BRANCH is BCBM0000005. The first four letters BCBM are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000005 map to this branch in MUMBAI, MAHARASHTRA.

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 Chembur Branch branch — IFSC BCBM0000005 — extends the bank's services to customers in and around Mumbai, Maharashtra.

About this branch

The branch is located at GANGANGIRI COMPLEX, 18TH ROAD, NEAR AMBEDKAR GARDEN, CHEMBUR, MUMBAI-400071.. It serves the Mumbai 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 BCBM0000005 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 CHEMBUR BRANCH of Bharat Cooperative Bank Mumbai Limited — its own 11-character IFSC. The code BCBM0000005 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 BCBM0000005 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 BCBM0000005

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 BCBM0000005 across all three.

NEFT to Bharat Cooperative Bank Mumbai Limited, CHEMBUR BRANCH using IFSC BCBM0000005

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 BCBM0000005, and confirm that the system picks up Bharat Cooperative Bank Mumbai Limited – CHEMBUR BRANCH. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC BCBM0000005

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 – CHEMBUR BRANCH, ensure your bank's portal accepts IFSC BCBM0000005 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Bharat Cooperative Bank Mumbai Limited CHEMBUR BRANCH (IFSC BCBM0000005)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BCBM0000005 in your mobile or internet banking app, and the money is credited to the CHEMBUR BRANCH branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Chembur Branch

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 BCBM0000005:

• 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 CHEMBUR BRANCH is still linked to IFSC BCBM0000005.

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 BCBM0000005

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 – CHEMBUR BRANCH is still mapped to IFSC BCBM0000005. 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 BCBM0000005 and the beneficiary's account number to complete the transfer.

Account types you can open at the Chembur Branch branch

Once you have an account at Bharat Cooperative Bank Mumbai Limited – CHEMBUR BRANCH, the IFSC BCBM0000005 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 Chembur Branch 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 BCBM0000005

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 BCBM0000005 and the account number together uniquely identify the Chembur Branch branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC BCBM0000005

Bharat Cooperative Bank Mumbai Limited customers can register for net banking and the bank's official mobile app once their account at the CHEMBUR 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 BCBM0000005 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.

Common mistakes to avoid when using IFSC BCBM0000005

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 – CHEMBUR BRANCH, 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: BCBM0000005.
• 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.

How to reach the Chembur Branch branch

The branch is located at GANGANGIRI COMPLEX, 18TH ROAD, NEAR AMBEDKAR GARDEN, CHEMBUR, MUMBAI-400071., which puts it inside Mumbai, the broader Greater Bombay district, and the state of Maharashtra. To plan your visit:

1. Open Google Maps on your phone and search for “Bharat Cooperative Bank Mumbai Limited Chembur Branch branch” — the verified location pin for IFSC BCBM0000005 should appear at the top of the results.
2. Confirm the branch is open by calling 22-61890501 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 BCBM0000005 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC BCBM0000005 for Bharat Cooperative Bank Mumbai Limited – CHEMBUR BRANCH, 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 Chembur Branch branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BCBM0000005, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code BCBM0000005 belongs to Bharat Cooperative Bank Mumbai Limited's CHEMBUR BRANCH branch, located at GANGANGIRI COMPLEX, 18TH ROAD, NEAR AMBEDKAR GARDEN, CHEMBUR, MUMBAI-400071. 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.