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

Use this page as a one-stop reference for everything related to Bharat Cooperative Bank Mumbai Limited's VIKHROLI branch in MUMBAI, MAHARASHTRA. The branch's IFSC code BCBM0000066 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, BCBM0000066 is the IFSC of Bharat Cooperative Bank Mumbai Limited's VIKHROLI branch. The format is fixed: BCBM = bank code, 0 = reserved, 000066 = branch identifier.

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 Vikhroli branch in Mumbai, Maharashtra is part of this network and uses the IFSC code BCBM0000066 for all electronic settlement.

Branch details at a glance

Vikhroli branch overview

Located at GR FLR,VIKHROLI SHIV KRUPA INDL. PREMISES CHS,LBS MARG,VIKHROLI WEST, MUMBAI 400083, the Vikhroli branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC BCBM0000066 is required for all interbank electronic transfers routed through this branch.

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 VIKHROLI of Bharat Cooperative Bank Mumbai Limited — its own 11-character IFSC. The code BCBM0000066 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 BCBM0000066 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Vikhroli branch is mapped to IFSC BCBM0000066 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 BCBM0000066.

Banking services available

The Vikhroli branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 22-61890106.

• 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 BCBM0000066

How to transfer money using IFSC BCBM0000066

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 BCBM0000066 across all three.

NEFT to Bharat Cooperative Bank Mumbai Limited, VIKHROLI using IFSC BCBM0000066

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 BCBM0000066, and confirm that the system picks up Bharat Cooperative Bank Mumbai Limited – VIKHROLI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to VIKHROLI

If you need to transfer ₹2 lakh or more in one go to an account at Bharat Cooperative Bank Mumbai Limited's VIKHROLI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BCBM0000066 while initiating the transfer and the credit will appear within minutes.

IMPS to Bharat Cooperative Bank Mumbai Limited VIKHROLI (IFSC BCBM0000066)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BCBM0000066 in your mobile or internet banking app, and the money is credited to the VIKHROLI branch account within seconds.

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

All three modes accept the IFSC BCBM0000066 for Bharat Cooperative Bank Mumbai Limited – VIKHROLI, 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 Vikhroli 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 VIKHROLI branch, the IFSC BCBM0000066 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.

Digital banking channels

Most day-to-day work that customers used to do at the Vikhroli branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC BCBM0000066 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.

MICR & cheque-truncation details

Cheques drawn on the Vikhroli branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC BCBM0000066 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 – VIKHROLI:

• The IFSC is exactly BCBM0000066 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 VIKHROLI 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.

Reaching the branch

The Vikhroli branch sits at GR FLR,VIKHROLI SHIV KRUPA INDL. PREMISES CHS,LBS MARG,VIKHROLI WEST, MUMBAI 400083. If you are travelling from outside Mumbai, search for the branch on a maps application using the bank name and locality, or call 22-61890106 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 BCBM0000066 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC BCBM0000066 for Bharat Cooperative Bank Mumbai Limited – VIKHROLI, 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.

Working hours

Branch counters at Vikhroli 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 BCBM0000066 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code BCBM0000066 belongs to Bharat Cooperative Bank Mumbai Limited's VIKHROLI branch, located at GR FLR,VIKHROLI SHIV KRUPA INDL. PREMISES CHS,LBS MARG,VIKHROLI WEST, MUMBAI… 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.