IFSC Code of IDBI Bank, Vima Kamgar Co Operative Bank Ltd Thane Branch, Maharashtra

Use this page as a one-stop reference for everything related to IDBI Bank's VIMA KAMGAR CO OPERATIVE BANK LTD THANE branch in THANE, MAHARASHTRA. The branch's IFSC code IBKL0452VK2 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for IDBI Bank – VIMA KAMGAR CO OPERATIVE BANK LTD THANE is IBKL0452VK2. The first four letters IBKL are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 452VK2 map to this branch in THANE, MAHARASHTRA.

About the bank

IDBI Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Vima Kamgar Co Operative Bank Ltd Thane branch in Thane, Maharashtra is part of this network and uses the IFSC code IBKL0452VK2 for all electronic settlement.

Branch details at a glance

About the Vima Kamgar Co Operative Bank Ltd Thane branch

The Vima Kamgar Co Operative Bank Ltd Thane branch of IDBI Bank is situated at JEEVAN CHINTAMANI GR FLOOR,NEXT TO RTO THANE WEST 400604. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code IBKL0452VK2 is used.

Why every IDBI Bank branch has a unique IFSC

Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including VIMA KAMGAR CO OPERATIVE BANK LTD THANE of IDBI Bank — its own 11-character IFSC. The code IBKL0452VK2 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.

Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC IBKL0452VK2 the same way you would treat your account number — verify it once and save it carefully for future use.

Account types you can open at the Vima Kamgar Co Operative Bank Ltd Thane branch

Once you have an account at IDBI Bank – VIMA KAMGAR CO OPERATIVE BANK LTD THANE, the IFSC IBKL0452VK2 stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

Products and services

Customers walking into the Vima Kamgar Co Operative Bank Ltd Thane branch can access most of IDBI Bank's standard product suite, including:

• Account opening – savings, current, NRI, salary
• Term deposits and recurring deposits
• Retail and small-business loans
• Insurance and mutual-fund tie-ups
• Locker, safe deposit and ATM card services
• Online and mobile banking activation
• Electronic transfers via IFSC IBKL0452VK2

How to transfer money using IFSC IBKL0452VK2

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 IBKL0452VK2 across all three.

How to use IFSC IBKL0452VK2 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to IDBI Bank's VIMA KAMGAR CO OPERATIVE BANK LTD THANE branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC IBKL0452VK2.
4. Confirm the bank name auto-populates as IDBI Bank and the branch as VIMA KAMGAR CO OPERATIVE BANK LTD THANE.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC IBKL0452VK2

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 – VIMA KAMGAR CO OPERATIVE BANK LTD THANE, ensure your bank's portal accepts IFSC IBKL0452VK2 while registering the beneficiary. RTGS is also available 24x7.

IMPS to IDBI Bank VIMA KAMGAR CO OPERATIVE BANK LTD THANE (IFSC IBKL0452VK2)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IBKL0452VK2 in your mobile or internet banking app, and the money is credited to the VIMA KAMGAR CO OPERATIVE BANK LTD THANE branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC IBKL0452VK2 for IDBI Bank – VIMA KAMGAR CO OPERATIVE BANK LTD THANE, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.

For most retail customers crediting the Vima Kamgar Co Operative Bank Ltd Thane branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.

How UPI relates to the IFSC code

UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at IDBI Bank's VIMA KAMGAR CO OPERATIVE BANK LTD THANE branch, the IFSC IBKL0452VK2 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.

That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.

Digital banking channels

Most day-to-day work that customers used to do at the Vima Kamgar Co Operative Bank Ltd Thane branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC IBKL0452VK2 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.

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 IBKL0452VK2 and the account number together uniquely identify the Vima Kamgar Co Operative Bank Ltd Thane branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – VIMA KAMGAR CO OPERATIVE BANK LTD THANE:

• The IFSC is exactly IBKL0452VK2 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 VIMA KAMGAR CO OPERATIVE BANK LTD THANE 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 Vima Kamgar Co Operative Bank Ltd Thane branch sits at JEEVAN CHINTAMANI GR FLOOR,NEXT TO RTO THANE WEST 400604. If you are travelling from outside Thane, search for the branch on a maps application using the bank name and locality, or call 22-25803291 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 IBKL0452VK2 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC IBKL0452VK2 for IDBI Bank – VIMA KAMGAR CO OPERATIVE BANK LTD THANE, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

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 Vima Kamgar Co Operative Bank Ltd Thane branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IBKL0452VK2, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: IBKL0452VK2 is the IFSC code of IDBI Bank, VIMA KAMGAR CO OPERATIVE BANK LTD THANE branch, in THANE, 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.