Use this page as a one-stop reference for everything related to Bombay Mercantile Cooperative Bank Ltd's GIRGAON branch in MUMBAI, MAHARASHTRA. The branch's IFSC code BMCB0000014 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.
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 – GIRGAON is BMCB0000014. The first four letters BMCB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000014 map to this branch in MUMBAI, MAHARASHTRA.
Branch details at a glance
| Bank Name | Bombay Mercantile Cooperative Bank Ltd |
|---|---|
| Branch | Girgaon |
| IFSC Code | BMCB0000014 |
| MICR Code | Refer to cheque leaf |
| Branch Address | DHOOTAPAPESHWAR PRASAD,J. SHANKERSHET ROAD, MUMBAI |
| City | Mumbai |
| State | Maharashtra |
| Phone | 23876944 |
About the bank
Bombay Mercantile Cooperative Bank Ltd serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Girgaon branch in Mumbai, Maharashtra is part of this network and uses the IFSC code BMCB0000014 for all electronic settlement.
About the Girgaon branch
The Girgaon branch of Bombay Mercantile Cooperative Bank Ltd is situated at DHOOTAPAPESHWAR PRASAD,J. SHANKERSHET ROAD, MUMBAI. 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 BMCB0000014 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 GIRGAON of Bombay Mercantile Cooperative Bank Ltd — its own 11-character IFSC. The code BMCB0000014 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 BMCB0000014 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 BMCB0000014
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 BMCB0000014 across all three.
NEFT to Bombay Mercantile Cooperative Bank Ltd, GIRGAON using IFSC BMCB0000014
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 BMCB0000014, and confirm that the system picks up Bombay Mercantile Cooperative Bank Ltd – GIRGAON. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC BMCB0000014
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 – GIRGAON, ensure your bank's portal accepts IFSC BMCB0000014 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Bombay Mercantile Cooperative Bank Ltd – GIRGAON, use IMPS. With IFSC BMCB0000014 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 Girgaon
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 BMCB0000014:
- 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 GIRGAON is still linked to IFSC BMCB0000014.
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.
UPI payments and IFSC BMCB0000014
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 – GIRGAON is still mapped to IFSC BMCB0000014. 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 BMCB0000014 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Girgaon branch is mapped to IFSC BMCB0000014 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 BMCB0000014.
Banking services available
The Girgaon branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 23876944.
- 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 BMCB0000014
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 BMCB0000014 and the account number together uniquely identify the Girgaon branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC BMCB0000014
Bombay Mercantile Cooperative Bank Ltd customers can register for net banking and the bank's official mobile app once their account at the GIRGAON 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 BMCB0000014 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.
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 – GIRGAON:
- The IFSC is exactly BMCB0000014 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 GIRGAON 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 Girgaon branch
The branch is located at DHOOTAPAPESHWAR PRASAD,J. SHANKERSHET ROAD, MUMBAI, which puts it inside Mumbai, the broader district, and the state of Maharashtra. To plan your visit:
- Open Google Maps on your phone and search for “Bombay Mercantile Cooperative Bank Ltd Girgaon branch” — the verified location pin for IFSC BMCB0000014 should appear at the top of the results.
- Confirm the branch is open by calling 23876944 before stepping out, especially around public holidays.
- 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 BMCB0000014 and your account number.
Verifying IFSC BMCB0000014 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 BMCB0000014 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 23876944.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Girgaon 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 BMCB0000014 continue to work without interruption.
Branch address & contact
Bombay Mercantile Cooperative Bank LtdGirgaon Branch
DHOOTAPAPESHWAR PRASAD,J. SHANKERSHET ROAD, MUMBAI
Mumbai, Maharashtra
Phone: 23876944
IFSC: BMCB0000014
Frequently asked questions
Can I use IFSC BMCB0000014 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC BMCB0000014 to send funds instantly.
Where is Bombay Mercantile Cooperative Bank Ltd Girgaon branch located?
Bombay Mercantile Cooperative Bank Ltd's Girgaon branch is located at DHOOTAPAPESHWAR PRASAD,J. SHANKERSHET ROAD, MUMBAI, Mumbai, Maharashtra.
What is the IFSC code of Bombay Mercantile Cooperative Bank Ltd Girgaon branch?
The IFSC code of Bombay Mercantile Cooperative Bank Ltd, Girgaon branch is BMCB0000014. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC BMCB0000014 the same for all accounts at Girgaon branch?
Yes. The IFSC BMCB0000014 is shared by every account held at Bombay Mercantile Cooperative Bank Ltd's Girgaon branch. Only the account number changes from customer to customer.
How do I add Bombay Mercantile Cooperative Bank Ltd Girgaon as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC BMCB0000014, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Girgaon branch but serve different purposes.
Is IFSC BMCB0000014 valid for NEFT and RTGS?
Yes. IFSC BMCB0000014 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Summary
The IFSC code BMCB0000014 belongs to Bombay Mercantile Cooperative Bank Ltd's GIRGAON branch, located at DHOOTAPAPESHWAR PRASAD,J. SHANKERSHET ROAD, MUMBAI in MUMBAI, 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.
