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

Below are the complete branch details for Bombay Mercantile Cooperative Bank Ltd, SANTACRUZ branch, located in MUMBAI, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is BMCB0000025. 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 BMCB0000025 for Bombay Mercantile Cooperative Bank Ltd – SANTACRUZ — 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 SANTACRUZ branch, the IFSC BMCB0000025 breaks down as follows: BMCB identifies the bank, 0 is the reserved character, and 000025 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 Santacruz branch — IFSC BMCB0000025 — extends the bank's services to customers in and around Mumbai, Maharashtra.

Branch details at a glance

Santacruz branch overview

Located at SHOP NO.1, 128-B RACHANA BUILDING, GROUND FLOOR,STATION ROAD, NEAS BOHRA MASJID, SANTACRUZ-WEST, MUMBAI, the Santacruz branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC BMCB0000025 is required for all interbank electronic transfers routed through this branch.

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 SANTACRUZ branch came to be assigned the code BMCB0000025.

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 BMCB0000025, money simply cannot be routed to the SANTACRUZ branch electronically.

Products and account variants supported

Every account opened at the Santacruz branch is mapped to IFSC BMCB0000025 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 BMCB0000025.

Banking services available

The Santacruz branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 26496446.

• 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 BMCB0000025

How to transfer money using IFSC BMCB0000025

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 BMCB0000025 across all three.

NEFT to Bombay Mercantile Cooperative Bank Ltd, SANTACRUZ using IFSC BMCB0000025

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 BMCB0000025, and confirm that the system picks up Bombay Mercantile Cooperative Bank Ltd – SANTACRUZ. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC BMCB0000025

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 – SANTACRUZ, ensure your bank's portal accepts IFSC BMCB0000025 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 – SANTACRUZ, use IMPS. With IFSC BMCB0000025 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

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

All three modes accept the IFSC BMCB0000025 for Bombay Mercantile Cooperative Bank Ltd – SANTACRUZ, 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 Santacruz 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 BMCB0000025

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 – SANTACRUZ is still mapped to IFSC BMCB0000025. 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 BMCB0000025 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 Santacruz 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 BMCB0000025 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 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 BMCB0000025 and the account number together uniquely identify the Santacruz branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – SANTACRUZ:

• The IFSC is exactly BMCB0000025 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 SANTACRUZ 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.

Reaching the branch

The Santacruz branch sits at SHOP NO.1, 128-B RACHANA BUILDING, GROUND FLOOR,STATION ROAD, NEAS BOHRA MASJID, SANTACRUZ-WEST, MUMBAI. If you are travelling from outside Mumbai, search for the branch on a maps application using the bank name and locality, or call 26496446 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 BMCB0000025 and your account number.

Verifying IFSC BMCB0000025 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 BMCB0000025 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 26496446.
• Visiting the bank's official branch locator page.

Branch banking hours and holidays

Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Santacruz branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BMCB0000025, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code BMCB0000025 belongs to Bombay Mercantile Cooperative Bank Ltd's SANTACRUZ branch, located at SHOP NO.1, 128-B RACHANA BUILDING, GROUND FLOOR,STATION ROAD, NEAS BOHRA… 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.