If you are searching for the IFSC code of Bombay Mercantile Cooperative Bank Ltd, ANDHERI branch in MUMBAI, MAHARASHTRA, this page has every detail you need. The verified IFSC code for this branch is BMCB0000020. 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 ANDHERI branch, and detailed step-by-step guides for using the IFSC BMCB0000020 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 – ANDHERI is BMCB0000020. The first four letters BMCB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000020 map to this branch in MUMBAI, MAHARASHTRA.
Bank profile
Bombay Mercantile Cooperative Bank Ltd is among the recognised banks listed on the Reserve Bank of India's payments network. The Andheri branch — IFSC BMCB0000020 — extends the bank's services to customers in and around Mumbai, Maharashtra.
Branch details at a glance
| Bank Name | Bombay Mercantile Cooperative Bank Ltd |
|---|---|
| Branch | Andheri |
| IFSC Code | BMCB0000020 |
| MICR Code | Refer to cheque leaf |
| Branch Address | OM NIKETAN CO-OPERATIVE HOUSING SOCEITY LTD, 314, PALI RAM ROAD, MUMBAI |
| City | Mumbai |
| State | Maharashtra |
| Phone | 26281634 |
About this branch
The branch is located at OM NIKETAN CO-OPERATIVE HOUSING SOCEITY LTD, 314, PALI RAM ROAD, MUMBAI. It serves the Mumbai region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Bombay Mercantile Cooperative Bank Ltd. The IFSC BMCB0000020 is used to identify this branch on the RBI payments network.
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 ANDHERI branch came to be assigned the code BMCB0000020.
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 BMCB0000020, money simply cannot be routed to the ANDHERI branch electronically.
Account types you can open at the Andheri branch
Once you have an account at Bombay Mercantile Cooperative Bank Ltd – ANDHERI, the IFSC BMCB0000020 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 Andheri branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 26281634.
- 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 BMCB0000020
How to transfer money using IFSC BMCB0000020
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 BMCB0000020 across all three.
NEFT to Bombay Mercantile Cooperative Bank Ltd, ANDHERI using IFSC BMCB0000020
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 BMCB0000020, and confirm that the system picks up Bombay Mercantile Cooperative Bank Ltd – ANDHERI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC BMCB0000020
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 – ANDHERI, ensure your bank's portal accepts IFSC BMCB0000020 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Bombay Mercantile Cooperative Bank Ltd ANDHERI (IFSC BMCB0000020)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BMCB0000020 in your mobile or internet banking app, and the money is credited to the ANDHERI branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC BMCB0000020 for Bombay Mercantile Cooperative Bank Ltd – ANDHERI, 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – BMCB0000020 | Yes – BMCB0000020 | Yes – BMCB0000020 |
For most retail customers crediting the Andheri 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 BMCB0000020
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 – ANDHERI is still mapped to IFSC BMCB0000020. 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 BMCB0000020 and the beneficiary's account number to complete the transfer.
Digital banking channels
Most day-to-day work that customers used to do at the Andheri 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 BMCB0000020 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.
MICR & cheque-truncation details
Cheques drawn on the Andheri branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC BMCB0000020 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Common mistakes to avoid when using IFSC BMCB0000020
An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to Bombay Mercantile Cooperative Bank Ltd – ANDHERI, double-check for these issues:
- Confusing 0 with O. The fifth character of every IFSC is the digit
0, not the letter O. Read carefully. - Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters:
BMCB0000020. - Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
- Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
- Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.
Reaching the branch
The Andheri branch sits at OM NIKETAN CO-OPERATIVE HOUSING SOCEITY LTD, 314, PALI RAM ROAD, MUMBAI. If you are travelling from outside Mumbai, search for the branch on a maps application using the bank name and locality, or call 26281634 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 BMCB0000020 and your account number.
Verifying IFSC BMCB0000020 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 BMCB0000020 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 26281634.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Andheri 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 BMCB0000020 continue to work without interruption.
Branch address & contact
Bombay Mercantile Cooperative Bank LtdAndheri Branch
OM NIKETAN CO-OPERATIVE HOUSING SOCEITY LTD, 314, PALI RAM ROAD, MUMBAI
Mumbai, Maharashtra
Phone: 26281634
IFSC: BMCB0000020
Frequently asked questions
How do I add Bombay Mercantile Cooperative Bank Ltd Andheri as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC BMCB0000020, and complete OTP verification. Once activated, you can transfer funds at any time.
Does Bombay Mercantile Cooperative Bank Ltd Andheri branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 26281634 to confirm.
Is IFSC BMCB0000020 the same for all accounts at Andheri branch?
Yes. The IFSC BMCB0000020 is shared by every account held at Bombay Mercantile Cooperative Bank Ltd's Andheri branch. Only the account number changes from customer to customer.
What is the IFSC code of Bombay Mercantile Cooperative Bank Ltd Andheri branch?
The IFSC code of Bombay Mercantile Cooperative Bank Ltd, Andheri branch is BMCB0000020. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Where is Bombay Mercantile Cooperative Bank Ltd Andheri branch located?
Bombay Mercantile Cooperative Bank Ltd's Andheri branch is located at OM NIKETAN CO-OPERATIVE HOUSING SOCEITY LTD, 314, PALI RAM ROAD, MUMBAI, Mumbai, Maharashtra.
What is the phone number of Bombay Mercantile Cooperative Bank Ltd Andheri branch?
You can reach the branch at 26281634 during regular banking hours.
Can I use IFSC BMCB0000020 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC BMCB0000020 to send funds instantly.
Final notes
To recap: BMCB0000020 is the IFSC code of Bombay Mercantile Cooperative Bank Ltd, ANDHERI branch, in MUMBAI, MAHARASHTRA. 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.
