IFSC Code of Bombay Mercantile Cooperative Bank Ltd, Patna Branch, Bihar

This page lists the IFSC code, branch address, contact number and fund-transfer information for Bombay Mercantile Cooperative Bank Ltd, PATNA branch in PATNA. The 11-digit IFSC BMCB0000051 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Bombay Mercantile Cooperative Bank Ltd at the PATNA location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this 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 – PATNA is BMCB0000051. The first four letters BMCB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000051 map to this branch in PATNA, BIHAR.

About Bombay Mercantile Cooperative Bank Ltd

Bombay Mercantile Cooperative Bank Ltd operates a wide network of branches across India, including the Patna branch in Patna. 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, BMCB0000051.

Patna branch overview

Located at FIRST FLOOR, HAMDARD BUILDING,OPP. B.N. COLLEGE, ASHOK RAJPATH, PATNA, the Patna branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC BMCB0000051 is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

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 PATNA of Bombay Mercantile Cooperative Bank Ltd — its own 11-character IFSC. The code BMCB0000051 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 BMCB0000051 the same way you would treat your account number — verify it once and save it carefully for future use.

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 BMCB0000051 and the account number together uniquely identify the Patna branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC BMCB0000051

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 BMCB0000051 across all three.

How to use IFSC BMCB0000051 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Bombay Mercantile Cooperative Bank Ltd's PATNA branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC BMCB0000051.
4. Confirm the bank name auto-populates as Bombay Mercantile Cooperative Bank Ltd and the branch as PATNA.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC BMCB0000051

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 – PATNA, ensure your bank's portal accepts IFSC BMCB0000051 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 – PATNA, use IMPS. With IFSC BMCB0000051 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 BMCB0000051 for Bombay Mercantile Cooperative Bank Ltd – PATNA, 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 Patna 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.

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 PATNA branch, the IFSC BMCB0000051 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 Patna branch is mapped to IFSC BMCB0000051 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 BMCB0000051.

Banking services available

The Patna branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 2677687.

• 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 BMCB0000051

Digital banking channels

Most day-to-day work that customers used to do at the Patna 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 BMCB0000051 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 Patna branch sits at FIRST FLOOR, HAMDARD BUILDING,OPP. B.N. COLLEGE, ASHOK RAJPATH, PATNA. If you are travelling from outside Patna, search for the branch on a maps application using the bank name and locality, or call 2677687 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 BMCB0000051 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 – PATNA:

• The IFSC is exactly BMCB0000051 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 PATNA 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.

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 Patna branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BMCB0000051, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC BMCB0000051 for Bombay Mercantile Cooperative Bank Ltd – PATNA, 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 BMCB0000051 belongs to Bombay Mercantile Cooperative Bank Ltd's PATNA branch, located at FIRST FLOOR, HAMDARD BUILDING,OPP. B.N. COLLEGE, ASHOK RAJPATH, PATNA in PATNA, BIHAR. 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.