IFSC Code of Bombay Mercantile Cooperative Bank Ltd, Jaipur Branch, Rajasthan

If you are searching for the IFSC code of Bombay Mercantile Cooperative Bank Ltd, JAIPUR branch in JAIPUR, RAJASTHAN, this page has every detail you need. The verified IFSC code for this branch is BMCB0000046. 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 JAIPUR branch, and detailed step-by-step guides for using the IFSC BMCB0000046 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.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For Bombay Mercantile Cooperative Bank Ltd's JAIPUR branch, the IFSC BMCB0000046 breaks down as follows: BMCB identifies the bank, 0 is the reserved character, and 000046 identifies this particular branch.

Bank profile

Bombay Mercantile Cooperative Bank Ltd is among the recognised banks listed on the Reserve Bank of India's payments network. The Jaipur branch — IFSC BMCB0000046 — extends the bank's services to customers in and around Jaipur, Rajasthan.

Branch details at a glance

Jaipur branch overview

Located at H BY19, SUBHASH MARG, C- SCHEME, M.I. ROAD, JAIPUR, the Jaipur branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC BMCB0000046 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 JAIPUR of Bombay Mercantile Cooperative Bank Ltd — its own 11-character IFSC. The code BMCB0000046 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 BMCB0000046 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 Jaipur branch is mapped to IFSC BMCB0000046 on the RBI payments network. The branch generally supports the full retail product catalogue of Bombay Mercantile Cooperative Bank Ltd, 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 BMCB0000046.

Products and services

Customers walking into the Jaipur 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 BMCB0000046

How to transfer money using IFSC BMCB0000046

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 BMCB0000046 across all three.

NEFT to Bombay Mercantile Cooperative Bank Ltd, JAIPUR using IFSC BMCB0000046

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 BMCB0000046, and confirm that the system picks up Bombay Mercantile Cooperative Bank Ltd – JAIPUR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to JAIPUR

If you need to transfer ₹2 lakh or more in one go to an account at Bombay Mercantile Cooperative Bank Ltd's JAIPUR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BMCB0000046 while initiating the transfer and the credit will appear within minutes.

IMPS to Bombay Mercantile Cooperative Bank Ltd JAIPUR (IFSC BMCB0000046)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BMCB0000046 in your mobile or internet banking app, and the money is credited to the JAIPUR branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Jaipur

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 BMCB0000046:

• 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 JAIPUR is still linked to IFSC BMCB0000046.

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.

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 JAIPUR branch, the IFSC BMCB0000046 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.

Online banking and IFSC BMCB0000046

Bombay Mercantile Cooperative Bank Ltd customers can register for net banking and the bank's official mobile app once their account at the JAIPUR 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 BMCB0000046 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 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 BMCB0000046 and the account number together uniquely identify the Jaipur 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 Bombay Mercantile Cooperative Bank Ltd – JAIPUR:

• The IFSC is exactly BMCB0000046 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 JAIPUR 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 Jaipur branch

The branch is located at H BY19, SUBHASH MARG, C- SCHEME, M.I. ROAD, JAIPUR, which puts it inside Jaipur, the broader district, and the state of Rajasthan. To plan your visit:

1. Open Google Maps on your phone and search for “Bombay Mercantile Cooperative Bank Ltd Jaipur branch” — the verified location pin for IFSC BMCB0000046 should appear at the top of the results.
2. Confirm the branch is open by calling 2378115 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 BMCB0000046 and your account number.

Verifying IFSC BMCB0000046 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 BMCB0000046 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 2378115.
• Visiting the bank's official branch locator page.

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 Jaipur branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BMCB0000046, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: BMCB0000046 is the IFSC code of Bombay Mercantile Cooperative Bank Ltd, JAIPUR branch, in JAIPUR, RAJASTHAN. 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.