IFSC Code of Prime Cooperative Bank Limited, Bharuch Branch Branch, Gujarat

If you are searching for the IFSC code of Prime Cooperative Bank Limited, BHARUCH BRANCH branch in BHARUCH, GUJARAT, this page has every detail you need. The verified IFSC code for this branch is PMEC0100809. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the BHARUCH BRANCH branch, and detailed step-by-step guides for using the IFSC PMEC0100809 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular 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, PMEC0100809 is the IFSC of Prime Cooperative Bank Limited's BHARUCH BRANCH branch. The format is fixed: PMEC = bank code, 0 = reserved, 100809 = branch identifier.

Branch details at a glance

Bank profile

Prime Cooperative Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Bharuch Branch branch — IFSC PMEC0100809 — extends the bank's services to customers in and around Bharuch, Gujarat.

About this branch

The branch is located at SHETHNA PLAZA, NR PANCH BATTI, BHARUCH, DIST BHARUCH. It serves the Bharuch region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Prime Cooperative Bank Limited. The IFSC PMEC0100809 is used to identify this branch on the RBI payments network.

Why every Prime Cooperative Bank Limited 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 BHARUCH BRANCH of Prime Cooperative Bank Limited — its own 11-character IFSC. The code PMEC0100809 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 PMEC0100809 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 PMEC0100809

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 PMEC0100809 across all three.

How to use IFSC PMEC0100809 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Prime Cooperative Bank Limited's BHARUCH BRANCH 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 PMEC0100809.
4. Confirm the bank name auto-populates as Prime Cooperative Bank Limited and the branch as BHARUCH BRANCH.
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 PMEC0100809

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 Prime Cooperative Bank Limited – BHARUCH BRANCH, ensure your bank's portal accepts IFSC PMEC0100809 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Prime Cooperative Bank Limited BHARUCH BRANCH (IFSC PMEC0100809)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PMEC0100809 in your mobile or internet banking app, and the money is credited to the BHARUCH BRANCH branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Bharuch Branch

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 PMEC0100809:

• 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 BHARUCH BRANCH is still linked to IFSC PMEC0100809.

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 PMEC0100809

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 Prime Cooperative Bank Limited – BHARUCH BRANCH is still mapped to IFSC PMEC0100809. 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 PMEC0100809 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Bharuch Branch branch is mapped to IFSC PMEC0100809 on the RBI payments network. The branch generally supports the full retail product catalogue of Prime Cooperative Bank Limited, 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 PMEC0100809.

Banking services available

The Bharuch Branch branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 2642-222583.

• 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 PMEC0100809

MICR & cheque-truncation details

Cheques drawn on the Bharuch Branch branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PMEC0100809 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Digital banking channels

Most day-to-day work that customers used to do at the Bharuch Branch 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 PMEC0100809 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 PMEC0100809

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 Prime Cooperative Bank Limited – BHARUCH BRANCH, 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: PMEC0100809.
• 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.

Reaching the branch

The Bharuch Branch branch sits at SHETHNA PLAZA, NR PANCH BATTI, BHARUCH, DIST BHARUCH. If you are travelling from outside Bharuch, search for the branch on a maps application using the bank name and locality, or call 2642-222583 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 PMEC0100809 and your account number.

Verifying IFSC PMEC0100809 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 PMEC0100809 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 2642-222583.
• 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 Bharuch Branch branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC PMEC0100809, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: PMEC0100809 is the IFSC code of Prime Cooperative Bank Limited, BHARUCH BRANCH branch, in BHARUCH, 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.