IFSC Code for Adarsh Mahila Mercantile Co Operative Bank — Adarsh Mahila Mercantile Co-operative Bank
The IFSC code for Adarsh Mahila Mercantile Co Operative Bank branch of Adarsh Mahila Mercantile Co-operative Bank in Mumbai, Maharashtra is HDFC0CAMMCO. Use this for NEFT, RTGS, IMPS transfers and UPI account linking.
Adarsh Mahila Mercantile Co Operative Bank
Adarsh Mahila Mercantile Co-operative Bank · Mumbai, Maharashtra
IFSC Code
HDFC0CAMMCO
Code Breakdown
About IFSC Code HDFC0CAMMCO — Adarsh Mahila Mercantile Co Operative Bank, Adarsh Mahila Mercantile Co-operative Bank
IFSC code HDFC0CAMMCO is the official 11-character alphanumeric identifier assigned by the Reserve Bank of India to the Adarsh Mahila Mercantile Co Operative Bank branch of Adarsh Mahila Mercantile Co-operative Bank located in Mumbai, Maharashtra. This code is used exclusively by India's electronic payment networks — NEFT, RTGS, IMPS, and UPI — to route digital fund transfers to the exact bank branch where the recipient's account is held. IFSC codes are not used for cheque clearing or paper-based instruments; those processes use the MICR code printed on cheque leaves. Without the correct IFSC code, no digital transfer to this branch can be processed.
How to Read IFSC Code HDFC0CAMMCO
The 11-character code HDFC0CAMMCO is structured in three segments the RBI uses to route every NEFT and RTGS transfer: HDFC is the bank identifier — a four-letter code that identifies Adarsh Mahila Mercantile Co-operative Bank in the RBI's settlement network. 0 is the reserved zero at position 5 — always the digit 0 (never the letter O), mandated by the RBI for future use. CAMMCO is the branch identifier — six alphanumeric characters assigned exclusively to the Adarsh Mahila Mercantile Co Operative Bank branch. No other branch in India carries this exact combination, which is what allows NEFT and RTGS systems to credit funds to one specific branch out of more than 1.6 lakh branches nationwide.
NEFT, RTGS, IMPS, and UPI — When to Use IFSC HDFC0CAMMCO
IFSC code HDFC0CAMMCO is required every time money moves digitally to or from the Adarsh Mahila Mercantile Co Operative Bank branch.
- NEFT — Any Amount, Half-Hourly Batches: Settles in half-hourly batches, available 24×7. The sender enters your account number + IFSC HDFC0CAMMCO.
- RTGS — Minimum ₹2 Lakh, Real-Time Settlement: Funds arrive in real time. Operates 7:00 AM to 6:00 PM on RBI working days.
- IMPS — Instant Transfers, 24×7 Including Holidays: Settles within seconds. Up to ₹5 lakh per transaction using account number + IFSC.
- UPI Account Linking — One-Time Registration: The app validates IFSC HDFC0CAMMCO in the background during account setup.
- Net Banking Beneficiary Registration: Add using account number + IFSC HDFC0CAMMCO. Allow 30 min–24 hour cooling period.
IFSC, MICR, and BSR Codes for Adarsh Mahila Mercantile Co Operative Bank, Adarsh Mahila Mercantile Co-operative Bank
The Adarsh Mahila Mercantile Co Operative Bank branch is assigned three distinct RBI codes — each used by a completely separate banking system. These codes cannot be interchanged.
- IFSC HDFC0CAMMCO — NEFT, RTGS, IMPS, and UPI account linking.
- MICR 251240002 — Cheque clearing, ECS, NACH, SIP mandates. View MICR code →
Step-by-Step: How IFSC HDFC0CAMMCO Routes a NEFT Transfer
- Initiation: Sender enters account number and IFSC HDFC0CAMMCO.
- Validation: Sender's bank validates the IFSC against the RBI NEFT master list.
- Bank routing: HDFC identifies Adarsh Mahila Mercantile Co-operative Bank as the receiving bank.
- Branch routing: CAMMCO routes to Adarsh Mahila Mercantile Co Operative Bank specifically.
- Settlement: At the next NEFT batch, RBI credits Adarsh Mahila Mercantile Co-operative Bank who credits the beneficiary account.
Common Mistakes to Avoid with IFSC HDFC0CAMMCO
- Using MICR or BSR instead of IFSC — they serve completely different systems and will be rejected.
- Typing letter O instead of digit 0 at position 5 — will fail IFSC validation immediately.
- Using a deactivated IFSC after a bank merger — always verify before large RTGS transfers.
- Using the wrong branch IFSC — funds route to the branch identified, not any branch of the same bank.
- Not accounting for beneficiary cooling period — add beneficiaries at least one business day in advance.
Need this branch's MICR code? View MICR code for Adarsh Mahila Mercantile Co Operative Bank →
For TDS challan filing use the BSR Code Lookup. Plan loan repayments with our EMI Calculator.
Data sourced from RBI NEFT/RTGS master records and NPCI. Last reviewed Jun 2026 by BankZop Editorial Team.
