IFSC Code of Bombay Mercantile Cooperative Bank Ltd, Aligarh Branch, Uttar Pradesh

If you are searching for the IFSC code of Bombay Mercantile Cooperative Bank Ltd, ALIGARH branch in ALIGARH, UTTAR PRADESH, this page has every detail you need. The verified IFSC code for this branch is BMCB0000047. 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 ALIGARH branch, and detailed step-by-step guides for using the IFSC BMCB0000047 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 Bombay Mercantile Cooperative Bank Ltd – ALIGARH is BMCB0000047. The first four letters BMCB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000047 map to this branch in ALIGARH, UTTAR PRADESH.

Branch details at a glance

Bank profile

Bombay Mercantile Cooperative Bank Ltd is among the recognised banks listed on the Reserve Bank of India's payments network. The Aligarh branch — IFSC BMCB0000047 — extends the bank's services to customers in and around Aligarh, Uttar Pradesh.

About the Aligarh branch

The Aligarh branch of Bombay Mercantile Cooperative Bank Ltd is situated at DODHPUR, ALIGARH. 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 BMCB0000047 is used.

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 ALIGARH of Bombay Mercantile Cooperative Bank Ltd — its own 11-character IFSC. The code BMCB0000047 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 BMCB0000047 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 BMCB0000047

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 BMCB0000047 across all three.

How to use IFSC BMCB0000047 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 ALIGARH 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 BMCB0000047.
4. Confirm the bank name auto-populates as Bombay Mercantile Cooperative Bank Ltd and the branch as ALIGARH.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC BMCB0000047

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 Bombay Mercantile Cooperative Bank Ltd – ALIGARH, ensure your bank's portal accepts IFSC BMCB0000047 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Bombay Mercantile Cooperative Bank Ltd ALIGARH (IFSC BMCB0000047)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BMCB0000047 in your mobile or internet banking app, and the money is credited to the ALIGARH branch account within seconds.

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

All three modes accept the IFSC BMCB0000047 for Bombay Mercantile Cooperative Bank Ltd – ALIGARH, 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 Aligarh 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 Bombay Mercantile Cooperative Bank Ltd's ALIGARH branch, the IFSC BMCB0000047 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.

Account types you can open at the Aligarh branch

Once you have an account at Bombay Mercantile Cooperative Bank Ltd – ALIGARH, the IFSC BMCB0000047 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 Aligarh branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 2702335.

• 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 BMCB0000047

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by Bombay Mercantile Cooperative Bank Ltd carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC BMCB0000047 and the account number together uniquely identify the Aligarh branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Digital banking channels

Most day-to-day work that customers used to do at the Aligarh 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 BMCB0000047 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.

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 – ALIGARH:

• The IFSC is exactly BMCB0000047 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 ALIGARH 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 Aligarh branch sits at DODHPUR, ALIGARH. If you are travelling from outside Aligarh, search for the branch on a maps application using the bank name and locality, or call 2702335 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 BMCB0000047 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC BMCB0000047 for Bombay Mercantile Cooperative Bank Ltd – ALIGARH, 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 Aligarh branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BMCB0000047, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code BMCB0000047 belongs to Bombay Mercantile Cooperative Bank Ltd's ALIGARH branch, located at DODHPUR, ALIGARH in ALIGARH, UTTAR PRADESH. 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.