IFSC Code of Bombay Mercantile Cooperative Bank Ltd, Baroda Branch, Gujarat

This page lists the IFSC code, branch address, contact number and fund-transfer information for Bombay Mercantile Cooperative Bank Ltd, BARODA branch in VADODARA. The 11-digit IFSC BMCB0000042 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 BARODA 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.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, BMCB0000042 is the IFSC of Bombay Mercantile Cooperative Bank Ltd's BARODA branch. The format is fixed: BMCB = bank code, 0 = reserved, 000042 = branch identifier.

Bank profile

Bombay Mercantile Cooperative Bank Ltd is among the recognised banks listed on the Reserve Bank of India's payments network. The Baroda branch — IFSC BMCB0000042 — extends the bank's services to customers in and around Vadodara, Gujarat.

About the Baroda branch

The Baroda branch of Bombay Mercantile Cooperative Bank Ltd is situated at AANAL APARTMENT,DARBAR DESAI ROAD, NAGARWADA, VADODARA. 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 BMCB0000042 is used.

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 BARODA of Bombay Mercantile Cooperative Bank Ltd — its own 11-character IFSC. The code BMCB0000042 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 BMCB0000042 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 BMCB0000042 and the account number together uniquely identify the Baroda branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC BMCB0000042

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 BMCB0000042 across all three.

How to use IFSC BMCB0000042 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 BARODA 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 BMCB0000042.
4. Confirm the bank name auto-populates as Bombay Mercantile Cooperative Bank Ltd and the branch as BARODA.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to BARODA

If you need to transfer ₹2 lakh or more in one go to an account at Bombay Mercantile Cooperative Bank Ltd's BARODA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC BMCB0000042 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Bombay Mercantile Cooperative Bank Ltd – BARODA, use IMPS. With IFSC BMCB0000042 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 Baroda

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 BMCB0000042:

• 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 BARODA is still linked to IFSC BMCB0000042.

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 BMCB0000042

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 – BARODA is still mapped to IFSC BMCB0000042. 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 BMCB0000042 and the beneficiary's account number to complete the transfer.

Account types you can open at the Baroda branch

Once you have an account at Bombay Mercantile Cooperative Bank Ltd – BARODA, the IFSC BMCB0000042 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.

Products and services

Customers walking into the Baroda branch can access most of Bombay Mercantile Cooperative Bank Ltd's standard product suite, including:

• Account opening – savings, current, NRI, salary
• Term deposits and recurring deposits
• Retail and small-business loans
• Insurance and mutual-fund tie-ups
• Locker, safe deposit and ATM card services
• Online and mobile banking activation
• Electronic transfers via IFSC BMCB0000042

Digital banking channels

Most day-to-day work that customers used to do at the Baroda 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 BMCB0000042 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 Baroda branch sits at AANAL APARTMENT,DARBAR DESAI ROAD, NAGARWADA, VADODARA. If you are travelling from outside Vadodara, search for the branch on a maps application using the bank name and locality, or call 2420625 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 BMCB0000042 and your account number.

Common mistakes to avoid when using IFSC BMCB0000042

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 – BARODA, 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: BMCB0000042.
• 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.

Working hours

Branch counters at Baroda 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 BMCB0000042 continue to work without interruption.

Verifying IFSC BMCB0000042 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 BMCB0000042 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 2420625.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Final notes

To recap: BMCB0000042 is the IFSC code of Bombay Mercantile Cooperative Bank Ltd, BARODA branch, in VADODARA, GUJARAT. 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.