IFSC Code of Bombay Mercantile Cooperative Bank Ltd, Khuldabad Branch, Maharashtra

If you are searching for the IFSC code of Bombay Mercantile Cooperative Bank Ltd, KHULDABAD branch in KHULDABAD, MAHARASHTRA, this page has every detail you need. The verified IFSC code for this branch is BMCB0000032. 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 KHULDABAD branch, and detailed step-by-step guides for using the IFSC BMCB0000032 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 KHULDABAD branch, the IFSC BMCB0000032 breaks down as follows: BMCB identifies the bank, 0 is the reserved character, and 000032 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 Khuldabad branch — IFSC BMCB0000032 — extends the bank's services to customers in and around Khuldabad, Maharashtra.

About the Khuldabad branch

The Khuldabad branch of Bombay Mercantile Cooperative Bank Ltd is situated at ZARZARI BUX ROAD,KHULDABAD. 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 BMCB0000032 is used.

Branch details at a glance

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 Bombay Mercantile Cooperative Bank Ltd's KHULDABAD branch came to be assigned the code BMCB0000032.

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 BMCB0000032, money simply cannot be routed to the KHULDABAD branch electronically.

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 BMCB0000032 and the account number together uniquely identify the Khuldabad branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC BMCB0000032

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 BMCB0000032 across all three.

NEFT to Bombay Mercantile Cooperative Bank Ltd, KHULDABAD using IFSC BMCB0000032

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 BMCB0000032, and confirm that the system picks up Bombay Mercantile Cooperative Bank Ltd – KHULDABAD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to KHULDABAD

If you need to transfer ₹2 lakh or more in one go to an account at Bombay Mercantile Cooperative Bank Ltd's KHULDABAD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BMCB0000032 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Bombay Mercantile Cooperative Bank Ltd – KHULDABAD, use IMPS. With IFSC BMCB0000032 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Khuldabad

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 BMCB0000032:

• 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 KHULDABAD is still linked to IFSC BMCB0000032.

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 KHULDABAD branch, the IFSC BMCB0000032 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 Khuldabad branch

Once you have an account at Bombay Mercantile Cooperative Bank Ltd – KHULDABAD, the IFSC BMCB0000032 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 Khuldabad branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 241047.

• 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 BMCB0000032

Online banking and IFSC BMCB0000032

Bombay Mercantile Cooperative Bank Ltd customers can register for net banking and the bank's official mobile app once their account at the KHULDABAD 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 BMCB0000032 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.

How to reach the Khuldabad branch

The branch is located at ZARZARI BUX ROAD,KHULDABAD, which puts it inside Khuldabad, the broader district, and the state of Maharashtra. To plan your visit:

1. Open Google Maps on your phone and search for “Bombay Mercantile Cooperative Bank Ltd Khuldabad branch” — the verified location pin for IFSC BMCB0000032 should appear at the top of the results.
2. Confirm the branch is open by calling 241047 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 BMCB0000032 and your account number.

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 – KHULDABAD:

• The IFSC is exactly BMCB0000032 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 KHULDABAD 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.

Working hours

Branch counters at Khuldabad 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 BMCB0000032 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC BMCB0000032 for Bombay Mercantile Cooperative Bank Ltd – KHULDABAD, 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 address & contact

Frequently asked questions

Summary

The IFSC code BMCB0000032 belongs to Bombay Mercantile Cooperative Bank Ltd's KHULDABAD branch, located at ZARZARI BUX ROAD,KHULDABAD in KHULDABAD, 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.