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

Below are the complete branch details for Bombay Mercantile Cooperative Bank Ltd, MORADABAD branch, located in MORADABAD, UTTAR PRADESH. The IFSC assigned by the Reserve Bank of India to this branch is BMCB0000048. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case BMCB0000048 for Bombay Mercantile Cooperative Bank Ltd – MORADABAD — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 MORADABAD branch, the IFSC BMCB0000048 breaks down as follows: BMCB identifies the bank, 0 is the reserved character, and 000048 identifies this particular branch.

About Bombay Mercantile Cooperative Bank Ltd

Bombay Mercantile Cooperative Bank Ltd operates a wide network of branches across India, including the Moradabad branch in Moradabad. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, BMCB0000048.

About the Moradabad branch

The Moradabad branch of Bombay Mercantile Cooperative Bank Ltd is situated at 35, PRINCE ROAD, MORADABAD. 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 BMCB0000048 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 MORADABAD branch came to be assigned the code BMCB0000048.

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 BMCB0000048, money simply cannot be routed to the MORADABAD 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 BMCB0000048 and the account number together uniquely identify the Moradabad branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC BMCB0000048

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 BMCB0000048 across all three.

NEFT to Bombay Mercantile Cooperative Bank Ltd, MORADABAD using IFSC BMCB0000048

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 BMCB0000048, and confirm that the system picks up Bombay Mercantile Cooperative Bank Ltd – MORADABAD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to MORADABAD

If you need to transfer ₹2 lakh or more in one go to an account at Bombay Mercantile Cooperative Bank Ltd's MORADABAD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BMCB0000048 while initiating the transfer and the credit will appear within minutes.

IMPS to Bombay Mercantile Cooperative Bank Ltd MORADABAD (IFSC BMCB0000048)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BMCB0000048 in your mobile or internet banking app, and the money is credited to the MORADABAD branch account within seconds.

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

All three modes accept the IFSC BMCB0000048 for Bombay Mercantile Cooperative Bank Ltd – MORADABAD, 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 Moradabad 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.

UPI payments and IFSC BMCB0000048

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 – MORADABAD is still mapped to IFSC BMCB0000048. 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 BMCB0000048 and the beneficiary's account number to complete the transfer.

Account types you can open at the Moradabad branch

Once you have an account at Bombay Mercantile Cooperative Bank Ltd – MORADABAD, the IFSC BMCB0000048 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 Moradabad branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 2492827.

• 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 BMCB0000048

Digital banking channels

Most day-to-day work that customers used to do at the Moradabad 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 BMCB0000048 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.

Reaching the branch

The Moradabad branch sits at 35, PRINCE ROAD, MORADABAD. If you are travelling from outside Moradabad, search for the branch on a maps application using the bank name and locality, or call 2492827 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 BMCB0000048 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 – MORADABAD:

• The IFSC is exactly BMCB0000048 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 MORADABAD 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 Moradabad 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 BMCB0000048 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC BMCB0000048 for Bombay Mercantile Cooperative Bank Ltd – MORADABAD, 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 BMCB0000048 belongs to Bombay Mercantile Cooperative Bank Ltd's MORADABAD branch, located at 35, PRINCE ROAD, MORADABAD in MORADABAD, 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.