IFSC Code of Bharat Cooperative Bank Mumbai Limited, Ghatkopar East Branch, Maharashtra

If you are searching for the IFSC code of Bharat Cooperative Bank Mumbai Limited, GHATKOPAR EAST branch in MUMBAI, MAHARASHTRA, this page has every detail you need. The verified IFSC code for this branch is BCBM0000087. 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 GHATKOPAR EAST branch, and detailed step-by-step guides for using the IFSC BCBM0000087 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.

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 – GHATKOPAR EAST is BCBM0000087. The first four letters BCBM are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000087 map to this branch in MUMBAI, MAHARASHTRA.

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 Ghatkopar East branch in Mumbai, Maharashtra is part of this network and uses the IFSC code BCBM0000087 for all electronic settlement.

Branch details at a glance

About the Ghatkopar East branch

The Ghatkopar East branch of Bharat Cooperative Bank Mumbai Limited is situated at SHOP NO.101 TO 106, 1ST FLOOR, KHODAL CHAMBER, PATEL CHOWK, 60 FEET ROAD, GHATKOPAR EAST, MUMBAI- 400077. 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 BCBM0000087 is used.

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 GHATKOPAR EAST branch came to be assigned the code BCBM0000087.

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 BCBM0000087, money simply cannot be routed to the GHATKOPAR EAST branch electronically.

Products and account variants supported

Every account opened at the Ghatkopar East branch is mapped to IFSC BCBM0000087 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 BCBM0000087.

Banking services available

The Ghatkopar East branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 22-61890000.

• 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 BCBM0000087

How to transfer money using IFSC BCBM0000087

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 BCBM0000087 across all three.

NEFT to Bharat Cooperative Bank Mumbai Limited, GHATKOPAR EAST using IFSC BCBM0000087

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 BCBM0000087, and confirm that the system picks up Bharat Cooperative Bank Mumbai Limited – GHATKOPAR EAST. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC BCBM0000087

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 – GHATKOPAR EAST, ensure your bank's portal accepts IFSC BCBM0000087 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 – GHATKOPAR EAST, use IMPS. With IFSC BCBM0000087 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 BCBM0000087 for Bharat Cooperative Bank Mumbai Limited – GHATKOPAR 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 Ghatkopar 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.

UPI payments and IFSC BCBM0000087

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 – GHATKOPAR EAST is still mapped to IFSC BCBM0000087. 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 BCBM0000087 and the beneficiary's account number to complete the transfer.

Online banking and IFSC BCBM0000087

Bharat Cooperative Bank Mumbai Limited customers can register for net banking and the bank's official mobile app once their account at the GHATKOPAR 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 BCBM0000087 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 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 BCBM0000087 and the account number together uniquely identify the Ghatkopar East branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – GHATKOPAR EAST:

• The IFSC is exactly BCBM0000087 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 GHATKOPAR EAST 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 Ghatkopar East branch

The branch is located at SHOP NO.101 TO 106, 1ST FLOOR, KHODAL CHAMBER, PATEL CHOWK, 60 FEET ROAD, GHATKOPAR EAST, MUMBAI- 400077, 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 Ghatkopar East branch” — the verified location pin for IFSC BCBM0000087 should appear at the top of the results.
2. Confirm the branch is open by calling 22-61890000 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 BCBM0000087 and your account number.

Verifying IFSC BCBM0000087 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 BCBM0000087 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 22-61890000.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Ghatkopar East 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 BCBM0000087 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: BCBM0000087 is the IFSC code of Bharat Cooperative Bank Mumbai Limited, GHATKOPAR 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.