IFSC Code of IDBI Bank, The Naval Dockyard Co Operative Bank Ltd Ghatkopar Branch, Maharashtra

Below are the complete branch details for IDBI Bank, THE NAVAL DOCKYARD CO OPERATIVE BANK LTD GHATKOPAR branch, located in MUMBAI, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is IBKL0452ND3. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case IBKL0452ND3 for IDBI Bank – THE NAVAL DOCKYARD CO OPERATIVE BANK LTD GHATKOPAR — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, IBKL0452ND3 is the IFSC of IDBI Bank's THE NAVAL DOCKYARD CO OPERATIVE BANK LTD GHATKOPAR branch. The format is fixed: IBKL = bank code, 0 = reserved, 452ND3 = branch identifier.

Branch details at a glance

Bank profile

IDBI Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The The Naval Dockyard Co Operative Bank Ltd Ghatkopar branch — IFSC IBKL0452ND3 — extends the bank's services to customers in and around Mumbai, Maharashtra.

About this branch

The branch is located at EIIIBVEDEKUBI86. It serves the Mumbai region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of IDBI Bank. The IFSC IBKL0452ND3 is used to identify this branch on the RBI payments network.

The role of IFSC in India's payments network

India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how IDBI Bank's THE NAVAL DOCKYARD CO OPERATIVE BANK LTD GHATKOPAR branch came to be assigned the code IBKL0452ND3.

Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC IBKL0452ND3, money simply cannot be routed to the THE NAVAL DOCKYARD CO OPERATIVE BANK LTD GHATKOPAR branch electronically.

How to transfer money using IFSC IBKL0452ND3

Online transfers in India are powered by three major channels — NEFT, RTGS and IMPS — and each one requires a destination IFSC. Below is a quick guide for using IFSC IBKL0452ND3 across all three.

NEFT to IDBI Bank, THE NAVAL DOCKYARD CO OPERATIVE BANK LTD GHATKOPAR using IFSC IBKL0452ND3

National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.

To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC IBKL0452ND3, and confirm that the system picks up IDBI Bank – THE NAVAL DOCKYARD CO OPERATIVE BANK LTD GHATKOPAR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC IBKL0452ND3

RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to IDBI Bank – THE NAVAL DOCKYARD CO OPERATIVE BANK LTD GHATKOPAR, ensure your bank's portal accepts IFSC IBKL0452ND3 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to IDBI Bank – THE NAVAL DOCKYARD CO OPERATIVE BANK LTD GHATKOPAR, use IMPS. With IFSC IBKL0452ND3 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to The Naval Dockyard Co Operative Bank Ltd Ghatkopar

The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC IBKL0452ND3:

• NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
• RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
• IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
• UPI — best for small peer-to-peer payments using a VPA; the underlying account at THE NAVAL DOCKYARD CO OPERATIVE BANK LTD GHATKOPAR is still linked to IFSC IBKL0452ND3.

For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.

UPI payments and IFSC IBKL0452ND3

UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at IDBI Bank – THE NAVAL DOCKYARD CO OPERATIVE BANK LTD GHATKOPAR is still mapped to IFSC IBKL0452ND3. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.

If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC IBKL0452ND3 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the The Naval Dockyard Co Operative Bank Ltd Ghatkopar branch is mapped to IFSC IBKL0452ND3 on the RBI payments network. The branch generally supports the full retail product catalogue of IDBI Bank, including:

• Resident savings accounts and salary accounts
• Current accounts for businesses and professionals
• Fixed deposits, recurring deposits and tax-saver deposits
• Demand drafts, banker's cheques and pay orders
• Retail loans — personal, vehicle, education, gold and home
• Credit cards and overdraft facilities (subject to eligibility)
• Third-party investment products such as mutual funds and insurance (through tie-ups)

Whichever product you choose, the IFSC for incoming credits remains IBKL0452ND3.

Banking services available

The The Naval Dockyard Co Operative Bank Ltd Ghatkopar branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 22-69402115.

• Savings, current and salary accounts
• Fixed deposits and recurring deposits
• Personal, vehicle and home loans
• Demat and investment products (where supported)
• Internet banking and mobile banking enrolment
• Debit and credit card issuance
• Locker facilities (subject to availability)
• Foreign exchange services (at authorised branches)
• Bill payments, demand drafts and pay orders
• NEFT / RTGS / IMPS / UPI fund transfers using IFSC IBKL0452ND3

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by IDBI Bank carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC IBKL0452ND3 and the account number together uniquely identify the The Naval Dockyard Co Operative Bank Ltd Ghatkopar branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC IBKL0452ND3

IDBI Bank customers can register for net banking and the bank's official mobile app once their account at the THE NAVAL DOCKYARD CO OPERATIVE BANK LTD GHATKOPAR branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC IBKL0452ND3 is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.

Things to verify before sending money

Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to IDBI Bank – THE NAVAL DOCKYARD CO OPERATIVE BANK LTD GHATKOPAR:

• The IFSC is exactly IBKL0452ND3 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills IDBI Bank as the bank name and THE NAVAL DOCKYARD CO OPERATIVE BANK LTD GHATKOPAR as the branch.
• The amount and the purpose of payment are correct.
• You have a valid OTP-verifying mobile number on hand.

A 30-second review here saves hours of reconciliation later.

Reaching the branch

The The Naval Dockyard Co Operative Bank Ltd Ghatkopar branch sits at EIIIBVEDEKUBI86. If you are travelling from outside Mumbai, search for the branch on a maps application using the bank name and locality, or call 22-69402115 to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC IBKL0452ND3 and your account number.

Verifying IFSC IBKL0452ND3 from official sources

The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm IBKL0452ND3 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 22-69402115.
• Visiting the bank's official branch locator page.

Branch banking hours and holidays

Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The The Naval Dockyard Co Operative Bank Ltd Ghatkopar branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IBKL0452ND3, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: IBKL0452ND3 is the IFSC code of IDBI Bank, THE NAVAL DOCKYARD CO OPERATIVE BANK LTD GHATKOPAR branch, in MUMBAI, MAHARASHTRA. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.