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Bharat Cooperative Bank Mumbai IFSC and MICR Code:

State wise list of Bharat Cooperative Bank Mumbai IFSC code, MICR code and addresses of all branches in India

Locate any details of Bharat Cooperative Bank Mumbai branch in India.

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Bharat Bank IFSC Code or The Bharat Co-operative Bank (Mumbai) Limited:

Internet banking has revolutionized the world of banking by introducing ways of easy money transfer electronically. Who would have thought that you would be able to settle payments through a virtual mode, saving all the hassles and risks of physical forms of money settlements? Banks have adopted electronic fund transfer allowing customers to transfer money to individuals as well as organizations, with accounts in any branch of any bank, anywhere in the country.

The Bharat Co-operative Bank (Mumbai) Limited offers the facility of integrated banking tools to its customers who can carry out financial transactions from the comfort of their homes. Electronic fund transfers not only cut down on the time taken for completing day-to-day financial settlements, but also lessen the possibility of mistakes. However, it is essential that the sender provides correct information regarding the beneficiary’s bank account, such as the bank account number and the IFSC code of that specific bank-branch.

IFSC codes play a crucial role in NEFT and RTGS transfers, as well as third-party transfers, online purchases etc. IFSC codes are required before a financial transfer online to identify both sender’s bank as well as recipient’s bank. RBI granted these unique identification codes to distinguish each bank participating in the NEFT network.

An 11-character, alpha-numeric code, assigned to the branch of any bank can be broken down into the following parts:

  • The first part- The first 4 digits represent the name of the bank.
  • The middle part- The fifth character is zero (0).
  • The last part- The last six numbers is the branch’s code.

If you were to initiate a transaction, where Bharat Bank is the beneficiary bank and the branch of the bank is Thane. The IFSC code, in this case being BCBM0000017, would mean ‘BCBM’ for The Bharat Co-operative Bank Mumbai and the last ‘000017’ for Thane Branch.

How to Find IFSC and MICR Codes of Bharat Co-operative Bank (Bharat Bank)?

IFSC and MICR codes of the Bharat Bank can be found online through various websites:

  • RBI’s official website- RBI provides a comprehensive list of all banks within the NEFT network and their IFSC and MICR codes.
  • Bharat Bank’s registered website- The bank’s homepage lists all of its branch’s names, IFSC codes, the location address, contact number, timings as well as email address.
  • Third-party websites like BankBazaar- Some external websites have information like IFSC code, MICR code etc. available, when you search for information about any specific branch of any bank.
    1. At BankBazaar’s website, you will find a tab ‘Bank IFSC Code’ on the homepage.
    2. Click on the tab, it will take you to another window which will ask for basic details of the bank. You will have to select the bank’s name, branch name, state and district from the drop-down menus.
    3. Once all the tabs are entered, the page will automatically generate the IFSC code, MICR code and other details of the bank including the address, contact number, etc.

Apart from finding IFSC and MICR codes online, you will find it printed on the cheque leaves of the bank’s cheque book. There is also an option of calling the branch of the bank and asking them the IFSC code directly.

National Electronic Fund Transfer (NEFT) and Real Time Gross Settlement (RTGS) are systems that enables people to make money transfers online to people/organizations with bank accounts that are NEFT and RTGS enabled.

NEFT:

As NEFT transactions are allowed for even low value transfers, it is easier to settle any kind of payment using this mode. Cashless payments are faster, easier to make and are prone to fewer errors. You can make payments using NEFT at Bharat Bank as long as the beneficiary bank is also a part of the NEFT network. Before you carry out the transfer, you must register the beneficiary by adding his account details such as the account number, bank name, recipient name, a valid account number and the specific IFSC code of the bank branch. Once all this is done, money transfer happens at the click of a button. The settlement is cleared in batches by the RBI and any transaction initiation after the fixed batch time is only processed with the next batch. There is no lower limit in a NEFT transaction but you can send a maximum of Rs.10 lakhs via NEFT at all NEFT enabled banks.

RTGS:

RTGS is referred to as ‘real time’ as there is a continuous settlement of payments on a gross basis. Even in this case, for an RTGS transfer to successfully take place, the account into which the transfer is being made, must be RTGS enabled as well. Preferred for large value transfers, RTGS transactions do not have an upper limit, however, the minimum amount is Rs.2 lakhs.

Although both NEFT and RTGS timings will depend on the branch of the Bharat Bank, however it is usually fixed at 09:00am to 03:30pm from Monday to Friday and Saturdays at 09:00am to 12:30pm. You cannot make NEFT and RTGS transactions using you’re The Bharat Co-operative Bank (Mumbai) Limited account as it is not allowed on Sundays and no other banks will be processing the same.

Inward charges are not applicable to customers of Bharat Bank Co-operative Bank. For outward remittances, the charges are based on RBI standards.

The Bharat Co-operative Bank was registered under the Maharashtra Co-operative Societies Act, 1960 and came to be popularly known as Bharat Bank. The bank received its license from RBI and sponsorship from a top charitable institution on 1978. The bank was founded with an intention of backing people with low incomes and middle-class. Over the years, it has grown in terms of branches, ATMs, profitability, usage of resources and technology. With an impeccable image and young team, it has managed to reach a customer base of 12 lakhs. Bharat Bank, has made a mark for itself in the financial market and played a pivotal role in the Indian economy.

Bharat Co-Operative Bank Indira Nagar Branch Bharat Co-Operative Bank Jayanagar Branch Bharat Co-Operative Bank K H Road Branch
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Bharat Co-Operative Bank Hampankatta Branch Bharat Co-Operative Bank Puttur Branch Bharat Co-Operative Bank Moodabidri Branch
Bharat Co-Operative Bank Peenya Branch Bharat Co-Operative Bank Kundapura Branch Bharat Co-Operative Bank Udipi Branch
Bharat Co-Operative Bank Dombivli Branch Bharat Co-Operative Bank Kalyan Branch Bharat Co-Operative Bank Andheri East Branch
Bharat Co-Operative Bank Andheri West Branch Bharat Co-Operative Bank Bandra Branch Bharat Co-Operative Bank Bhandup Branch
Bharat Co-Operative Bank Bhandup Village Road Branch Bharat Co-Operative Bank Bhayander East Branch Bharat Co-Operative Bank Borivali Branch
Bharat Co-Operative Bank Chembur Branch Bharat Co-Operative Bank Dadar Branch Bharat Co-Operative Bank Dharavi West Branch
Bharat Co-Operative Bank Ghatkopar Branch Bharat Co-Operative Bank Ghodbunder Road Branch Bharat Co-Operative Bank Goregaon Branch
Bharat Co-Operative Bank Goregaon West Branch Bharat Co-Operative Bank Govandi Branch Bharat Co-Operative Bank Jogeshwari East Branch
Bharat Co-Operative Bank Kalina Branch Bharat Co-Operative Bank Kandivali East Branch Bharat Co-Operative Bank Kandivli West Branch
Bharat Co-Operative Bank Kurla West Branch Bharat Co-Operative Bank Lamington Road Branch Bharat Co-Operative Bank Main Branch
Bharat Co-Operative Bank Malad Branch Bharat Co-Operative Bank Mulund Branch Bharat Co-Operative Bank Santacruz Branch
Bharat Co-Operative Bank Service Branch Bharat Co-Operative Bank Vashi Branch Bharat Co-Operative Bank Vile Parle Branch
Bharat Co-Operative Bank Nashik Branch Bharat Co-Operative Bank Ghansoli Branch Bharat Co-Operative Bank Dhankawadi Pune Branch
Bharat Co-Operative Bank Pimpri Chinchwad Branch Bharat Co-Operative Bank Bhiwandi Branch Bharat Co-Operative Bank Kalwa Branch
Bharat Co-Operative Bank Mira Road Branch Bharat Co-Operative Bank Thane Branch Bharat Co-Operative Bank Dahisar Branch


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