Bharat Co Operative Bank Charkop Kandivali West IFSC Code
Bharat Co Operative Bank
IFSC · Used for NEFT, IMPS & RTGS
MICR · Used for Cheque Clearance
Branch
Charkop Kandivali West
Address
Shop No. A-1, Ground Floor, Sunrays Shopping Center, Sector No.5, Charkop Market, Kandivali (west) Mumbai- 400067
View on Google MapsDistrict
Mumbai
State
Maharashtra
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Other Bharat Co Operative Bank Branches in Mumbai
4 nearby branches — click to view IFSC
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Mohan Terrace, 64/72, Mody Street, Fort,mumbai-400001
Goregaon Branch (shivgiri Plot No.11 - 0004)
Shivgiri Plot No.11, Ground Floor, Samant Estate, Goregaon (east), Mumbai-400063.
Main Branch (chambers Mint Road Opp G - 0002)
45/47, Mint Chambers, Mint Road, Opp G.p.o, Fort, Mumbai 400001
Chembur Branch (complex 18th Road Near Ambed - 0005)
Gangangiri Complex, 18th Road, Near Ambedkar Garden, Chembur, Mumbai-400071.
Frequently Asked Questions
About Bharat Co Operative Bank Charkop Kandivali West (shopping Center Sector No 5 - 0079), Mumbai
The IFSC code BCBM0000079 (lowercase: bcbm0000079) belongs to Bharat Co Operative Bank, specifically the Charkop Kandivali West (shopping Center Sector No 5 - 0079) branch located in Mumbai, Maharashtra.
The 5th character in the IFSC code BCBM0000079 is a zero (0), not the letter 'O'. The correct format is BCBM0000079 (lowercase: bcbm0000079), and not BCBMO000079. According to RBI guidelines, the fifth character of all IFSC codes is reserved as a zero.
The IFSC code of Bharat Co Operative Bank Charkop Kandivali West (shopping Center Sector No 5 - 0079) in Mumbai, Maharashtra is BCBM0000079. This 11-character code is required for all NEFT, RTGS and IMPS electronic fund transfers to this branch.
Bharat Co Operative Bank Charkop Kandivali West (shopping Center Sector No 5 - 0079) is located at Shop No. A-1, Ground Floor, Sunrays Shopping Center, Sector No.5, Charkop Market, Kandivali (west) Mumbai- 400067, Mumbai, Maharashtra. You can click the "View on Google Maps" button on this page to get directions.
The MICR (Magnetic Ink Character Recognition) code of Bharat Co Operative Bank Charkop Kandivali West (shopping Center Sector No 5 - 0079) is 400112056. MICR codes are used for cheque processing and are printed at the bottom of cheque leaves in magnetic ink.
Yes. IFSC code BCBM0000079 is valid for all three RBI-regulated transfer modes: NEFT (settled in 30-minute batches, no minimum), RTGS (real-time, minimum ₹2 lakh), and IMPS (instant, up to ₹5 lakh). All modes are available 24×7×365 as per RBI guidelines issued in December 2019.
You can verify IFSC code BCBM0000079 by checking: (1) The top-left corner of any Bharat Co Operative Bank Charkop Kandivali West (shopping Center Sector No 5 - 0079) cheque leaf, (2) The first page of your Bharat Co Operative Bank passbook, (3) Your net banking or mobile banking app under "Branch Details", or (4) The RBI's official IFSC lookup at rbi.org.in.
Understanding IFSC Code: BCBM0000079
Decoded structure — 4 + 1 + 6 characters
Visual Breakdown
Swipe to see all
BCBM0000079
What Each Part Means
- Bank Code — BCBM
- The first 4 characters uniquely identify Bharat Co Operative Bank at the national level. Every branch of Bharat Co Operative Bank across all states shares this same prefix. It is assigned by the RBI and never changes.
- Reserved — 0
- The 5th character is always 0 (zero), reserved by the RBI for future use. It acts as a separator between the bank identifier and the branch-specific code and is mandatory in all electronic fund transfer systems.
- Branch Code — 000079
- The final 6 characters 000079 uniquely identify this specific branch within the Bharat Co Operative Bank network. No two branches share the same branch code. Use this code to verify you have the correct branch before initiating any NEFT, RTGS, or IMPS transfer.
| Segment | Chars | Value | Purpose |
|---|---|---|---|
| Bank Code | 1–4 | BCBM | Identifies Bharat Co Operative Bank |
| Reserved | 5 | 0 | RBI reserved (always 0) |
| Branch Code | 6–11 | 000079 | Unique to this branch |
Where to Find IFSC & MICR on Your Cheque
Interactive cheque leaf mockup — highlighted fields show live values from this branch
Swipe left to view full cheque
Bharat Co Operative Bank
Charkop Kandivali West (shopping Center Sector No 5 - 0079), Mumbai, Maharashtra
Cheque No.
00000079
A/c No.
Authorised Signatory
IFSC vs MICR — Functional Comparison
Two different codes, two different banking systems
| Feature | IFSC Code | MICR Code |
|---|---|---|
| Full Form | Indian Financial System Code | Magnetic Ink Character Recognition |
| Length & Format | 11 characters — alphanumeric | 9 digits — numeric only |
| This Branch | BCBM0000079 | 400112056 |
| Primary Use | Electronic fund transfers: NEFT, RTGS, IMPS, UPI | Physical cheque clearing at clearing houses |
| Medium | Digital / online — no physical document needed | Printed in magnetic ink on cheque leaf bottom band |
| Processing Speed | Real-time (IMPS/UPI) or 30-min batches (NEFT) | T+1 or T+2 clearing cycle via RBI clearing houses |
| Where to Find It | Cheque leaf (top area), passbook first page, net banking | Bottom band of cheque leaf (the printed magnetic strip) |
| Assigned By | RBI — permanent unless branch is relocated/merged | RBI — encodes city (3) + bank (3) + branch (3) digits |
| Required For | Adding a payee / beneficiary for online transfer | Cheque book issuance and clearing house processing |
Source: Reserve Bank of India (RBI) Payment Systems Guidelines. IFSC mandatory for NEFT/RTGS/IMPS since 2010; MICR used by CTS-2010 standard cheque clearing.