Below are the complete branch details for Bombay Mercantile Cooperative Bank Ltd, JOGESHWARI branch, located in MUMBAI, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is BMCB0000006. 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 BMCB0000006 for Bombay Mercantile Cooperative Bank Ltd – JOGESHWARI — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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 – JOGESHWARI is BMCB0000006. The first four letters BMCB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000006 map to this branch in MUMBAI, MAHARASHTRA.
Branch details at a glance
| Bank Name | Bombay Mercantile Cooperative Bank Ltd |
|---|---|
| Branch | Jogeshwari |
| IFSC Code | BMCB0000006 |
| MICR Code | Refer to cheque leaf |
| Branch Address | MTNL BUILDING, GROUND FLOOR, S.V. ROAD, MUMBAI |
| City | Mumbai |
| State | Maharashtra |
| Phone | 26799216 |
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 Jogeshwari branch in Mumbai, Maharashtra is part of this network and uses the IFSC code BMCB0000006 for all electronic settlement.
Jogeshwari branch overview
Located at MTNL BUILDING, GROUND FLOOR, S.V. ROAD, MUMBAI, the Jogeshwari branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC BMCB0000006 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 JOGESHWARI of Bombay Mercantile Cooperative Bank Ltd — its own 11-character IFSC. The code BMCB0000006 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 BMCB0000006 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 BMCB0000006
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 BMCB0000006 across all three.
NEFT to Bombay Mercantile Cooperative Bank Ltd, JOGESHWARI using IFSC BMCB0000006
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 BMCB0000006, and confirm that the system picks up Bombay Mercantile Cooperative Bank Ltd – JOGESHWARI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC BMCB0000006
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 – JOGESHWARI, ensure your bank's portal accepts IFSC BMCB0000006 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Bombay Mercantile Cooperative Bank Ltd JOGESHWARI (IFSC BMCB0000006)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BMCB0000006 in your mobile or internet banking app, and the money is credited to the JOGESHWARI branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Jogeshwari
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 BMCB0000006:
- 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 JOGESHWARI is still linked to IFSC BMCB0000006.
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 JOGESHWARI branch, the IFSC BMCB0000006 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.
Products and account variants supported
Every account opened at the Jogeshwari branch is mapped to IFSC BMCB0000006 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 BMCB0000006.
Banking services available
The Jogeshwari branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 26799216.
- 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 BMCB0000006
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 BMCB0000006 and the account number together uniquely identify the Jogeshwari branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Digital banking channels
Most day-to-day work that customers used to do at the Jogeshwari 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 BMCB0000006 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.
Common mistakes to avoid when using IFSC BMCB0000006
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 – JOGESHWARI, 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:
BMCB0000006. - 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.
How to reach the Jogeshwari branch
The branch is located at MTNL BUILDING, GROUND FLOOR, S.V. 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 Jogeshwari branch” — the verified location pin for IFSC BMCB0000006 should appear at the top of the results.
- Confirm the branch is open by calling 26799216 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 BMCB0000006 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC BMCB0000006 for Bombay Mercantile Cooperative Bank Ltd – JOGESHWARI, 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.
Working hours
Branch counters at Jogeshwari 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 BMCB0000006 continue to work without interruption.
Branch address & contact
Bombay Mercantile Cooperative Bank LtdJogeshwari Branch
MTNL BUILDING, GROUND FLOOR, S.V. ROAD, MUMBAI
Mumbai, Maharashtra
Phone: 26799216
IFSC: BMCB0000006
Frequently asked questions
Can I use IFSC BMCB0000006 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC BMCB0000006 to send funds instantly.
How do I add Bombay Mercantile Cooperative Bank Ltd Jogeshwari as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC BMCB0000006, 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 Jogeshwari branch but serve different purposes.
Does Bombay Mercantile Cooperative Bank Ltd Jogeshwari branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 26799216 to confirm.
Is IFSC BMCB0000006 valid for NEFT and RTGS?
Yes. IFSC BMCB0000006 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Is IFSC BMCB0000006 the same for all accounts at Jogeshwari branch?
Yes. The IFSC BMCB0000006 is shared by every account held at Bombay Mercantile Cooperative Bank Ltd's Jogeshwari branch. Only the account number changes from customer to customer.
Final notes
To recap: BMCB0000006 is the IFSC code of Bombay Mercantile Cooperative Bank Ltd, JOGESHWARI 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.
