Bharat Co-operative Bank — KARKALA Branch

How to Use BCBM0000049 for Money Transfers

The IFSC code BCBM0000049 is specifically assigned to the KARKALA branch of Bharat Co-operative Bank located in UDIPI, KARNATAKA. This unique code is mandatory for routing electronic payments correctly within India.

NEFT Transfer

Use BCBM0000049 when adding this branch as a beneficiary in NEFT transactions. NEFT operates in half-hourly batches from 12:30 AM to 12:00 AM on all days. Enter the IFSC, account number, and account holder name carefully to ensure successful transfer.

RTGS Transfer

For high-value transactions above ₹2 lakh, RTGS offers real-time gross settlement. Use BCBM0000049 along with the beneficiary's exact account number. RTGS is available on working days from 7:00 AM to 6:00 PM.

IMPS & UPI

IMPS and UPI allow instant 24×7 transfers. While UPI apps often auto-resolve the IFSC from the VPA, mobile banking apps require BCBM0000049 when registering a new beneficiary.

Always double-check the account number before confirming any transfer — the IFSC routes funds to the correct branch, but the account number specifies the exact recipient.

About Bharat Co-operative Bank KARKALA Branch

The KARKALA branch of Bharat Co-operative Bank is situated in UDIPI, KARNATAKA. The branch address is 1ST FLOOR, SOVEREIGN BLDG., OPP. MANNAGOPURA, A.S.ROAD, KARKALA 574104. This branch supports electronic payment services including NEFT, RTGS, IMPS, and UPI. You can contact this branch at +918258235780. Always use the IFSC code BCBM0000049 when making any online fund transfer to an account held at this branch.