IFSC Code of Bombay Mercantile Cooperative Bank Ltd, Khanpur Road Branch, Gujarat

Use this page as a one-stop reference for everything related to Bombay Mercantile Cooperative Bank Ltd's KHANPUR ROAD branch in AHMEDABAD, GUJARAT. The branch's IFSC code BMCB0000038 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 Bombay Mercantile Cooperative Bank Ltd – KHANPUR ROAD is BMCB0000038. The first four letters BMCB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000038 map to this branch in AHMEDABAD, GUJARAT.

About the bank

Bombay Mercantile Cooperative Bank Ltd serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Khanpur Road branch in Ahmedabad, Gujarat is part of this network and uses the IFSC code BMCB0000038 for all electronic settlement.

Branch details at a glance

Khanpur Road branch overview

Located at CHHOTA CHAND SURAJ ESTATE,KHANPUR ROAD, AHMEDABAD, the Khanpur Road branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC BMCB0000038 is required for all interbank electronic transfers routed through this branch.

Why every Bombay Mercantile Cooperative Bank Ltd 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 KHANPUR ROAD of Bombay Mercantile Cooperative Bank Ltd — its own 11-character IFSC. The code BMCB0000038 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 BMCB0000038 the same way you would treat your account number — verify it once and save it carefully for future use.

Account types you can open at the Khanpur Road branch

Once you have an account at Bombay Mercantile Cooperative Bank Ltd – KHANPUR ROAD, the IFSC BMCB0000038 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 Khanpur Road branch can access most of Bombay Mercantile Cooperative Bank Ltd'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 BMCB0000038

How to transfer money using IFSC BMCB0000038

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 BMCB0000038 across all three.

How to use IFSC BMCB0000038 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Bombay Mercantile Cooperative Bank Ltd's KHANPUR ROAD 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 BMCB0000038.
4. Confirm the bank name auto-populates as Bombay Mercantile Cooperative Bank Ltd and the branch as KHANPUR ROAD.
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 KHANPUR ROAD

If you need to transfer ₹2 lakh or more in one go to an account at Bombay Mercantile Cooperative Bank Ltd's KHANPUR ROAD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BMCB0000038 while initiating the transfer and the credit will appear within minutes.

IMPS to Bombay Mercantile Cooperative Bank Ltd KHANPUR ROAD (IFSC BMCB0000038)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BMCB0000038 in your mobile or internet banking app, and the money is credited to the KHANPUR ROAD branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Khanpur Road

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 BMCB0000038:

• 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 KHANPUR ROAD is still linked to IFSC BMCB0000038.

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 BMCB0000038

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 Bombay Mercantile Cooperative Bank Ltd – KHANPUR ROAD is still mapped to IFSC BMCB0000038. 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 BMCB0000038 and the beneficiary's account number to complete the transfer.

Online banking and IFSC BMCB0000038

Bombay Mercantile Cooperative Bank Ltd customers can register for net banking and the bank's official mobile app once their account at the KHANPUR ROAD 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 BMCB0000038 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 & cheque-truncation details

Cheques drawn on the Khanpur Road branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC BMCB0000038 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 Bombay Mercantile Cooperative Bank Ltd – KHANPUR ROAD:

• The IFSC is exactly BMCB0000038 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills Bombay Mercantile Cooperative Bank Ltd as the bank name and KHANPUR ROAD 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 Khanpur Road branch sits at CHHOTA CHAND SURAJ ESTATE,KHANPUR ROAD, AHMEDABAD. If you are travelling from outside Ahmedabad, search for the branch on a maps application using the bank name and locality, or call 25501641 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 BMCB0000038 and your account number.

Verifying IFSC BMCB0000038 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 BMCB0000038 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 25501641.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Khanpur Road 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 BMCB0000038 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: BMCB0000038 is the IFSC code of Bombay Mercantile Cooperative Bank Ltd, KHANPUR ROAD branch, in AHMEDABAD, GUJARAT. 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.