Bharat Co-operative Bank – Loans Advances Interest Rates

Bharat Co-operative Bank Loan Products: Home Loan, Personal Loan, Car Loan, Credit Card, SME Loans, Education Loans, Marriage Loans, Medical Loans. Find Interest Rates, Documents, lowest EMI Per Month Online at Deal4loans.com

The Bharat Co-operative Bank is registered under The Maharashtra Co-operative Societies Act, 1960. During 1978 many young social worker came together in association with The Billawar Association, Mumbai to establish a bank specially meant for the middle class and low-income groups. The Bharat Co-operative Bank is a well known bank among people because of it’s satisfactory service to it’s customers. It incorporates with more than Rs 5.5 lacs customers. This has progressed in the last decade in terms of facilitating people with the best service in opening bank branches, mobilization of deposits, deployment of resources and profitability.

The loans provided by this particular banks are

  • Housing Loan

Bharat Co-operative Bank promotes Housing Loan through their bank to help customers purchase or build residential establishments. This loans are basically disbursed against the mortgage of the house or flats under the name of the loan borrower.

Features

Eligibility · Resident Individuals

· Middle-class individual

Maximum Loan Amount The maximum loan amount is Rs 50 lacs
Interest Option The interest is based on daily reducing basis.
Requirements · One can avail this loan if the individual possess an existing account or by applying for membership of the bank.

· An individual must have a fair income for Repayment.

  • Consumer loan

Bharat Co-operative Bank provides Consumer Loans to purchase consumer durable goods like refrigerator, television, air-conditioner, jewellery, computer etc.

Features

Maximum Loan Amount The maximum loan amount is Rs 1 lacs
Interest Option The interest is based on daily reducing basis
Repayment Period Repay the loan amount within a period of 60 months
Requirements · Quotation of consumer durable

· The applicant must provide 2 surities.

· An individual must have a fair income so that he can repay the loan amount.

  • Personal Loan

Personal Loan through Bharat Co-operative Bank is basically issued to individual in need of personal financial support for instance self-marriage, repayment of debt, medical expense etc. Personal loan is sanctioned against personal surety.

Features

Maximum Loan Amount The maximum loan amount is Rs 2 lacs
Interest Option The interest is based on daily reducing basis
Repayment Period Repay the loan amount within a period of 60 months
Requirements · An applicant must possess 2 sureties.

· An individual must have a fair income so that s/he can repay the loan.

  • Suvidha Loan

Suvidha Loan is an unsecured loan specially meant for education purpose to meet the expenses for higher education.

Features

Maximum Loan Amount The maximum loan amount is Rs 2 lacs
Interest Option The interest is based on daily reducing basis
Repayment Period Repay the loan amount within a period of 60 months
Requirements · One must provide studentship related documents.

· An individual must provide 2 sureties.

· An individual must have a fair income to repay the loan amount.

  • Couple Plus

Couple Plus is an unsecured loan for married couples provided through Bharat Co-operative Bank in order to assist them with their personal expenses. This loan is for specially meant for married working couples.

Features

Maximum Loan Amount The maximum loan amount is Rs 2 lacs
Interest Option The interest is based on daily reducing basis
Repayment period Reapy the loan amount within a period of upto 60 months.
Requirements · An individual must have a fair income to repay the loan amount.

  • Medi Aid Loan

Medi Aid Loan is a personal loan to meet all kinds of medical expenditure for self as well as for any member of the family. From treatment to medicine expenses Medi Aid Loan takes care of your health at any time when you are in need of several financial assistance.

Features

Maximum Loan Amount The maximum loan amount is Rs 2 lacs
Interest Option The interest is based on daily reducing basis
Repayment Period Repay the loan amount up to 60 months
Requirements · An applicant must obtain the medical bills and expenditures of self/any family members.

· An individual must have a fair income to repay the loan amount.

· An individual must provide 2 sureties.

  • Mortgage Loan

Mortgage Loan through Bharat Co-operative Bank is secured loan for undertaking certain expenses like education, ceremony, repayments of debts etc. Mortgage Loan takes care of all your expense against the mortgage of immovable properties.

Features

Maximum Loan Amount The maximum loan is Rs 15 lacs against Residential properties and rs 25 lacs against commercial properties
Interest Option The interest is based on daily reducing basis
Repayment Period You can repay the loan amount within a period of 60 months
Requirements · Equitable Mortgage of the residential/ commercial property.

· An individual must have a fair income to repay the loan amount.

  • Vyapar Loan

This a loan is provided through Bharat Co-operative Bank to individuals to meet working capital requirements.

Features

Maximum Loan Amount The maximum loan amount is upto Rs 10 lacs
Interest Option The interest is based on daily reducing basis
Requirements · An individual must obtain security against residential oe commercial properties.

· An individual must have a fair income to repay the loan amount.

  • Vidya Vahini Loan

Vidya Vahini Loan is a secured education loan provided by Bharat Co-operative Bank to the expenses of the students for higher studies.

Features

Maximum Loan Amount The maximum loan amount is Rs 10 lacs in India and Rs 20 lacs for abroad.
Interest Option The interest is based on daily reducing basis
Repayment period Repay within a period of 84 months
Security Mortgage against premises
Requirements · An applicant must submit his/her prospectus/studentship related documents to the bank from the institute.

· He/she must obtain Title Deeds and NOC from society/builder for mortgage.

· An individual must have a fair income to repay the loan amount.

  • Loan Against Gold

Any eligible individual could be benefited with Bharat Co-operative Bank “Loan Against Gold”. The loan issued against gold or silver ornaments could be used to meet various financial personal purposes.

Features

Maximum Loan Amount · Maximum Loan Amount up to Rs 1 lacs for nominal member.

· Maximum Loan Amount Rs 5 lacs for regular members.

Interest Option The interest is based on daily reducing basis
Repayment Period Repay the loan amount within a period of 60 months
Requirements An individual must earn a fair income to repay the loan amount.

  • Loan Against Deposit

Loan against Deposit through Bharat Co-operative bank is provided to eligible individuals to meet various personal expenses against deposits.

Features

Margin 85% – 95% amount of the deposit value
Security Loan against Third party deposits
Interest Option The interest is based on daily reducing basis
Requirements Pledge of fixed deposit receipt.

  • Vehicle Loan

If you are planning to buy a new or a pre-owned vehicle Bharat Co-operative Bank provides Vehicle loan at attractive interest rates making it much accessibility to ride your own car. The loan could be used to purchase both personal as well as commercial vehicle.

Features

Margin · Upto 80% of cost for commercial use.

· Upto 90% of cost for personal use.

Repayment Period Repayment could be done within the period of 24 months-72 months
Interest Option The interest is based on daily reducing basis
Requirements · The applicant must be a share holder or an account holder.

· An individual must earn a fair income to repay the loan amount.

Branch Locations of Bharat Co-op Banks in Maharashtra, Karnataka & Gujarat

Branch Name Address State IFSC
AIROLI Shop No. 7, 8 & 9, Ground FloorRamdev Complex CHSL., Plot No. 53Sector 19, Airoli, Navi Mumbai – 400708 MAHARASHTRA BCBM0000076
AKURLI ROAD KANDIVILI (EAST) Bunglow No.2, Shree Mira CHS Ltd,Opp. Akurli Indl Estate, Akurli RoadKandilvi (East), Mumbai 400 101 MAHARASHTRA BCBM0000089
AMBERNATH EAST Shop 4, Gr Floor, Godavari HeightsB.B.Road, Vadavali,Ambernath East, Dist. Thane 421 501 MAHARASHTRA BCBM0000074
ANDHERI(E) Shop No 08 & 108, Town CentreNear Mittal Indl Estate,Andheri Kurla Road, Marol, Andheri (E), Mumbai 400059 MAHARASHTRA BCBM0000009
ANDHERI(W) G 11 A & B Shalimar Morya PremisesCoop Soc Ltd Veer Ind EstateNew Link Road, Andheri (W), Mumbai 400053 MAHARASHTRA BCBM0000008
ANJURPHATA Navkaar Heights, 1st FloorNear Oswal Sagar Hall, Old Agra RoadAnjurphata, Bhiwandi, Dist. Thane 421302 MAHARASHTRA BCBM0000062
BANDRA (E) Nadabrahma Mandir, Ground FloorMadhusudan Kalelkar Marg, KalanagarBandra (E), Mumbai 400051 MAHARASHTRA BCBM0000014
BANDRA (WEST) Ground Floor, Hotel Siddharth Building, Shop No. 1Guru Aashish, Plot No. 368, S. V. RoadBandra West, Mumbai 400050 MAHARASHTRA BCBM0000070
BHANDUP Gautam Udyog BhavanGround Floor, Lbs MargBhandup (W), Mumbai 400078 MAHARASHTRA BCBM0000003
BHANDUP VILLAGE ROAD Sai Ashish,Sangeetkar Sudhir Phadke MargBhandup Village RoadBhandup (W), Mumbai 400078 MAHARASHTRA BCBM0000019
BHAYANDER Shop No.5 & 11, Anil NiwasB.P. Road, Goddev NakaBhayander (East), Thane 401101 MAHARASHTRA BCBM0000038
BHIWANDI Ist FloorR. K Business Centre Mauje Kaneri TalukaAgra Road, Bhiwandi, District Thane 421302 MAHARASHTRA BCBM0000027
BOISAR GR.FLR.,SANMAN APARTMENTSNAVPUR RD.,SARAVALI,Boisar, Palghar 401 501 MAHARASHTRA BCBM0000075
BORIVLI B(6 To 8), Mandapeshwar IndustrialPremises Co-Op.Soc.Ltd., Prem Nagar S.V.P. Rd. Borivili (W), Mumbai 400092 MAHARASHTRA BCBM0000007
BORIVLI (EAST) Shop 1, Rite Golden CrestDaulat NagarS.V. Road, Borivli East, Mumbai 400 066 MAHARASHTRA BCBM0000080
BORIVLI (WEST) Shop No. 1 & 2, Ami Jharokha, I. C. Colony Road, Borivli (West), Mumbai 400103 MAHARASHTRA BCBM0000099
I. C. Colony
BYCULLA Shop No. 3&4, 163-A, Jai Krupa CHS Ltd.Behind Rani Baug, Rambhau Bhogale MargByculla, Mumbai 400 033 MAHARASHTRA BCBM0000088
CHARKOP Shop No a1, Gr floorSunrays Shopping CentreSec 5, Charkop, Kandivali W, Mumbai 400 067 MAHARASHTRA BCBM0000079
CHEMBUR Gagangiri Complex18th Road, Near Ambedkar GardenChembur, Mumbai 400071 MAHARASHTRA BCBM0000005
CHINCHWAD Shop No.B/16&18Empire EstateOff Mumbai Pune Road, Chinchwad, Pune 411019 MAHARASHTRA BCBM0000045
DADAR Shop No. 4 & 5, Swapna BhoomiS. K. Bole Road, Near Portuguese ChurchDadar West, Mumbai 400028 MAHARASHTRA BCBM0000031
DAHISAR (E) Sarita 2, Prabhat Indl.Estate,W.E.Highway,Before ChecknakaDahisar (E), Mumbai 400068 MAHARASHTRA BCBM0000011
DHANKAWADI – PUNE Ground Floor, Pancharatna HeightsChaitanya NagarPune-Satara Road, Dhankawadi, Pune 411043 MAHARASHTRA BCBM0000032
DHARAVI Gr.Floor,Gold Filed PlazaSion Bandra Link RoadMumbai, Mumbai 400017 MAHARASHTRA BCBM0000055
DIVA (EAST) Gr. Floor, Shree Krishna Park,Diva-Shil RaodDiva East, Thane 400 612 MAHARASHTRA BCBM0000091
DOMBIVLI (E) Ground Floor, Neelkanth Chs Ltd,Fateh Ali Road, Behind Kdmc OfficeDombivili (E), Dist. Thane 421201 MAHARASHTRA BCBM0000021
FORT 45/47, Mint Chambers, Mint Road, Opp G.P.O., , Mumbai 400001 MAHARASHTRA BCBM0000002
GHANSOLI Shiv Complex, Plot No.14/15Sector-3Ghansoli, Navi Mumbai 400701 MAHARASHTRA BCBM0000039
GHATKOPAR (EAST) Shop no. 101 to 106, 1st flr, Khodal ChamberPatel Chowk, 60 ft RdGhatkopar East, Mumbai 400 077 MAHARASHTRA BCBM0000087
GHATKOPAR (W) 103-106 Jyoti Chambers, 1st FlrJunction Of J V Rd & Hirachand Desai RdGhatkopar (W), Mumbai 400086 MAHARASHTRA BCBM0000010
GHODBUNDER Shop No. C, Solitaire TowersChitalsar, ManpadaGhodbunder Road, Thane 400607 MAHARASHTRA BCBM0000044
GOREGAON (EAST) Shivgiri, Ground FloorPlot No 11, Samant EstateGoregaon (E), Mumbai 400063 MAHARASHTRA BCBM0000004
GOREGAON (WEST) Chintamani Shop No 9, 10, 11. Mith NagarChintamani Chs Ltd, M. G. RoadGoregaon West, Mumbai 400062 MAHARASHTRA BCBM0000037
GOVANDI Unit No. 3 & 5, Ground FloorVikrant Industrial EstateGovandi, Mumbai 400088 MAHARASHTRA BCBM0000015
JOGESHWARI (EAST) Dinbai Chs Ltd.Near Sbi, Caves RoadJogeshwari (East), Mumbai 400060 MAHARASHTRA BCBM0000040
KALINA Geesee Co-Op.Hsg.Soc.Ltd.Opp.Vidyanagri University ComplexKalina (E), Mumbai 400098 MAHARASHTRA BCBM0000012
KALWA Gr. Floor, Kaveri HeightsOpp.Kharegaon TalaoOld Bombay Pune Rd, Kharegaon,Kalwa, Thane 400605 MAHARASHTRA BCBM0000048
KALYAN Ground FloorSuchak Hospital BuildingAgra Road, Kalyan (West), Mumbai 421301 MAHARASHTRA BCBM0000041
KANDIVALI (EAST) Svitland, Behind Sai DhamNear V Mall, Thakur ComplexKandivali East, Mumbai 400101 MAHARASHTRA BCBM0000043
KANDIVLI (W) Nand Dham, M.G. Cross Road No. 1Near Kala Hanuman MandirKandivli (W), Mumbai 400067 MAHARASHTRA BCBM0000016
KANJURMARG EAST Gala 1-2, Gr and First FloorShree Cutchi Brahma Kshatriya Panchayat,Nr. Crompton Greaves,Kanjur Village, Mumbai 400042 MAHARASHTRA BCBM0000073
KHAR (WEST) GR Flr, Shop .5 & 1ST Flr, Shop 6 Dharvesh Grand, 4TH Road Near Khar Station Road, Khar (West), Mumbai 400052 MAHARASHTRA BCBM0000101
KOPARKHAIRANE Shop No 3&4 Ground FloorShubham Building, Plot No 77Sector 18, Koparkhairane, Navi Mumbai 4000709 MAHARASHTRA BCBM0000064
KURLA (EAST) Shop No.5-9, Suryamukhi CHSLBldg No.46, Nehru NagarKurla (East), Mumbai 400 024 MAHARASHTRA BCBM0000085
KURLA WEST Gr.Floor, Keshav Baug CHS Ltd.Near Sheetal Cinema170 LBS Marg, Kurla(West), Mumbai 400070 MAHARASHTRA BCBM0000056
LAMINGTON ROAD Ground Floor, Apsara Cinema Pvt LtdDr Dadasaheb Badkamkar Marg, LamingtonRoad Grant Road East, Mumbai 400007 MAHARASHTRA BCBM0000030
LONAVALA AGARWAL BLDG, 78G WARDBHAJI MARKETLONAVALA, LONAVALA 410101 MAHARASHTRA BCBM0000065
MAHAKALI CAVES PLOT NO 1RAMYA JEEVAN CHS LTD.MAHAKALI CAVES ROAD, MUMBAI 400093 MAHARASHTRA BCBM0000069
MALAD (W) Monalisa ApartmentsKasturba Road,Malad (West), Mumbai 400064 MAHARASHTRA BCBM0000028
MALAD (E) RANISATI MARG Office No.1, First floor, Shah Arcade IICTS 502, Rani Sati Marg, W E Highway,Malad (East), Mumbai 400 097 MAHARASHTRA BCBM0000086
MALAD (E) KOKNIPADA 1st floor, Cosmic HeritageG. G Malkeri Marg, Koknipada,Malad (East),, Mumbai 400097 MAHARASHTRA BCBM0000071
MASJID BUNDER Gr. FLR, Gada Niwas ,222, Narshi Natha Street, Mumbai 400003 MAHARASHTRA BCBM0000094
MATUNGA (EAST) Shop 3-7, Jamnadas Mansion Laxminarayan Lane, Matunga (East), Mumbai 400019 MAHARASHTRA BCBM0000100
MIRA ROAD (E) 218, A-WingShanti Commercial Complex, Mira Road East, Dist. Thane 401107 MAHARASHTRA BCBM0000018
MULUND (E) Neelam NagarBldg.No 7, Gavanpada, Mulund (E), Mumbai 400081 MAHARASHTRA BCBM0000006
MULUND (W) SHOP No. 1&2, Hansa VillaJ.Nehru Road, Near Apna Bazar, Mulund West, Mumbai 400080 MAHARASHTRA BCBM0000053
MULUND (W) SHREENAGAR 1st FLR., SHOP NO.104, Ahihant realtor,Vaishali Nagar, Mulund West, Mumbai 400080 MAHARASHTRA BCBM0000095
NALLASOPARA 102, 103, 104, Ground FloorNew Patankar Park CHSLPatankar Park, Survey No 105, Nilemore, Nallasopara(W), Dist. Thane 401203 MAHARASHTRA BCBM0000063
NASHIK RUSHIRAJ Annex, Gr FloorD’souza Colony,Opp College Road, Nashik 422005 MAHARASHTRA BCBM0000052
NERUL Ground Floor,Krishna Kamal CHS LtdPlot No. 111E-1,111-F,111-H,Sector 21Nerul, Navi Mumbai 400706 MAHARASHTRA BCBM0000061
PALGHAR SHOP 24/25/2627, Gr Floor Punit Nagar, Palghar West, Palghar MAHARASHTRA BCBM0000096
PANVEL Neelkanth ShreeramLine Ali, Panvel 410206 MAHARASHTRA BCBM0000034
PAREL ROYALE IMPERIA, GR FLOOR,SHOP NO 1 TO 5PLOT NO 105,CHARMAR BAUG ROADPARMAR GURUJI MARG, PAREL, MUMBAI MAHARASHTRA BCBM0000068
POWAI Gr & 1st floor, C1/101, Daffodil, Hiranandani GardensPowai, Mumbai 400 076 MAHARASHTRA BCBM0000092
SANTACRUZ(W) 20/21,Rizvi ParkS.V.RoadSantacruz (West), Mumbai 400054 MAHARASHTRA BCBM0000029
SHIRDI Gr. Floor, Hotel Eshosans Bldg, Pimpalwadi Road,Tal RahataDist. Ahmednagar, Shirdi 423 109 MAHARASHTRA BCBM0000090
SHIVAJINAGAR Final Plot No. 549/20Bhutte Patil Vertex TowerGhole Road, Pune 411 005 MAHARASHTRA BCBM0000084
THANE Panama PlanetOpp. Hotel AmrutaGokhale Road, Naupada, Thane(West) 400602 MAHARASHTRA BCBM0000017
VASAI Varun 1st Floor, Plot No.8Ambadi Main Road,Vasai (West), Dist. Thane 401202 MAHARASHTRA BCBM0000025
VASHI 2, F-Type BuildingSector No.6Vashi, Navi Mumbai 400703 MAHARASHTRA BCBM0000020
VIKHROLI GALA NO.34, GROUND FLOORSHIVKRUPA INDL. ESTATEL.B.S. ROAD, VIKHROLI (W), MUMBAI 400083 MAHARASHTRA BCBM0000066
VILE – PARLE (E) 1st Floor, “Suncity Theatres”Opp.Shaan Talkies, M.G.RoadVileparle (E), Mumbai 400057 MAHARASHTRA BCBM0000013
VILE PARLE (WEST) SHOP NO.1,GROUND FLOORM L SPACES, DASHRATHLAL JOSHI MARG, STATION ROADVILE PARLE WEST, MUMBAI 400056 MAHARASHTRA BCBM0000067
VIRAR WEST 1ST FLOOR, POONAM KALPAVRUKSHBHAJI GALLI, VIRAT NAGAR, STATION ROADVIRAR WEST, Dist THANE 401303 MAHARASHTRA BCBM0000057
WADALA SHOP NO 2,3 & 4, GR FLRSHREE KRISHNA GYAN MANDIR PATSHALA BLDG.STATION RD WADALA, MUMBAI 400031 MAHARASHTRA BCBM0000060
WORLI Shop No.2, 2A, Bhaveshwar Building148-B, Dr. Annie Besant RoadWorli, Mumbai- 400 018 MAHARASHTRA BCBM0000081
BANTWAL Trade Center, Main RoadB. C. RoadBantwal, Mangalore 574219 KARNATAKA BCBM0000051
BELAGAVI Gr Flr., Amar Empire Near Goaves Circle, Belagavi 590001 KARNATAKA BCBM0000097
HAMPANKATTA ‘Classic Arcade’, K S Rao RoadOpp. Prabhat CinemaHampankatta, Mangalore 575001 KARNATAKA BCBM0000026
HUBBALLI Gr. FLR., Satellite Complex, Karnataka 580020 KARNATAKA BCBM0000098
INDIRA NAGAR Grnd Flr 623, 11th Main,Hal Iind Stage80 Feet RoadIndira Nagar, Bengaluru 560038 KARNATAKA BCBM0000024
JAYANAGAR Shiv Sadan, Ground Floor9th Main Road,5th Block,Jayanagar, Bengaluru 560041 KARNATAKA BCBM0000035
KANKANADY EXOTICA, GROUND FLOOR,BALMATTA ROAD,KANKANADY,MANGALORE,, DAKSHINA KANNADA 575002 KARNATAKA BCBM0000059
KARKALA 1st Floor, Sovereign BldgOpp. Mannagopura, A.S. RoadKarkala, Mangalore 574104 KARNATAKA BCBM0000049
K.H.ROAD Money TerraceK H Road(Double Road), Bengaluru 560027 KARNATAKA BCBM0000022-
KUNDAPURA Veenu Complex, Opp. Canara BankNear Bus Stand, Main Road, Kundapura 576201 KARNATAKA BCBM0000050
MAGADI ROAD Ground Floor, R.R Plaza, Govindaraj NagarB-block, KHB colonyNear a2b Hotel, Magadi Road, Bengaluru- 560 040 KARNATAKA BCBM0000078
MALLESWARAM 16, Nanjundeshwara Complex, 1st Floor10th Cross, Sampige RoadMalleshwaram, Bengaluru 560003 KARNATAKA BCBM0000023
MOODBIDRI Veenu Sky Plaza, Moodbidri-Karkala RoadKalsanka MoodbidriMangalore, Mangalore 574227 KARNATAKA BCBM0000047
MULKY Shambhavi Commercial ComplexNr Bus Stand, MulkyD.K Karnataka, Mulky 574154 KARNATAKA BCBM0000054
PEENYA 1st Cross, 1st StagePeenya Industrial EstateBengaluru, Bengaluru 560058 KARNATAKA BCBM0000046
PUTTUR Om Arcade, 1 – 659 ANear Mayura Talkies, BolvarPuttur, D. K., Mangalore 574201 KARNATAKA BCBM0000042
SURATKAL Veenu Complex,Gr.FloorNext To Nataraj TheatreSuratkal, Mangalore 574158 KARNATAKA BCBM0000036
UDUPI vasuki,Vishwas CommercialsBehind CourtUdupi, Udipi 576101 KARNATAKA BCBM0000033
UJIRE SAIRAM CENTRAL,1ST FLOOR, BELAL CROSSUJIRE,, DAKSHINA KANNADA – 574240 KARNATAKA BCBM0000058
KORAMANGALA Ground Floor, Paragon Prima, #398th Main, Koramangala4th Block, Bengaluru- 560034, Bengaluru- 560 034 KARNATAKA BCBM0000077
AHMEDABAD Gr. Floor No.1, Abhishree Adriot, Judges Bunglow RoadNear Mansi CircleVastrapur, Ahmedabad 380015 GUJARAT BCBM0000093
SURAT Ground floor, Central BazzarOpp. Varachha Police Station, Mini BazarVarachha, Surat 95 006 GUJARAT BCBM0000083
VADODARA Shop No. 111, 112 & 209 (Showroom No.5)Midtown Heights, Pizzainn, Jetalpur RoadAlkapuri, Vadodara 390 007 GUJARAT BCBM0000082
VAPI Gr. Floor of STOP & GO COMPLEX, Daman Road, Near Dabhel Checkpost, Vapi, Valsad, Valsad 396191. GUJARAT BCBM0000072