Bombay Mercantile Co Operative Bank Baroda IFSC Code
Bombay Mercantile Co Operative Bank
IFSC · Used for NEFT, IMPS & RTGS
MICR · This branch may not process cheques.
Branch
Baroda
District
Vadodara
State
Gujarat
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Frequently Asked Questions
About Bombay Mercantile Co Operative Bank Baroda (darbar Desai Road Nagarwada - 0042), Vadodara
The IFSC code BMCB0000042 (lowercase: bmcb0000042) belongs to Bombay Mercantile Co Operative Bank, specifically the Baroda (darbar Desai Road Nagarwada - 0042) branch located in Vadodara, Gujarat.
The 5th character in the IFSC code BMCB0000042 is a zero (0), not the letter 'O'. The correct format is BMCB0000042 (lowercase: bmcb0000042), and not BMCBO000042. According to RBI guidelines, the fifth character of all IFSC codes is reserved as a zero.
The IFSC code of Bombay Mercantile Co Operative Bank Baroda (darbar Desai Road Nagarwada - 0042) in Vadodara, Gujarat is BMCB0000042. This 11-character code is required for all NEFT, RTGS and IMPS electronic fund transfers to this branch.
Bombay Mercantile Co Operative Bank Baroda (darbar Desai Road Nagarwada - 0042) is located at Aanal Apartment,darbar Desai Road, Nagarwada, Vadodara, Vadodara, Gujarat. You can click the "View on Google Maps" button on this page to get directions.
The MICR code for Bombay Mercantile Co Operative Bank Baroda (darbar Desai Road Nagarwada - 0042) in Vadodara is printed at the bottom of your cheque leaf. If you cannot locate it, contact your branch directly or check your passbook.
Yes. IFSC code BMCB0000042 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 BMCB0000042 by checking: (1) The top-left corner of any Bombay Mercantile Co Operative Bank Baroda (darbar Desai Road Nagarwada - 0042) cheque leaf, (2) The first page of your Bombay Mercantile 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: BMCB0000042
Decoded structure — 4 + 1 + 6 characters
Visual Breakdown
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BMCB0000042
What Each Part Means
- Bank Code — BMCB
- The first 4 characters uniquely identify Bombay Mercantile Co Operative Bank at the national level. Every branch of Bombay Mercantile 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 — 000042
- The final 6 characters 000042 uniquely identify this specific branch within the Bombay Mercantile 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 | BMCB | Identifies Bombay Mercantile Co Operative Bank |
| Reserved | 5 | 0 | RBI reserved (always 0) |
| Branch Code | 6–11 | 000042 | Unique to this branch |
Where to Find IFSC & MICR on Your Cheque
Interactive cheque leaf mockup — highlighted fields show live values from this branch
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Bombay Mercantile Co Operative Bank
Baroda (darbar Desai Road Nagarwada - 0042), Vadodara, Gujarat
Cheque No.
00000042
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 | BMCB0000042 | Not available |
| 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.