IFSC Code of Prime Cooperative Bank Limited, Vapi Branch Branch, Gujarat

Use this page as a one-stop reference for everything related to Prime Cooperative Bank Limited's VAPI BRANCH branch in VAPI, GUJARAT. The branch's IFSC code PMEC0103939 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 Prime Cooperative Bank Limited – VAPI BRANCH is PMEC0103939. The first four letters PMEC are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 103939 map to this branch in VAPI, GUJARAT.

Bank profile

Prime Cooperative Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Vapi Branch branch — IFSC PMEC0103939 — extends the bank's services to customers in and around Vapi, Gujarat.

Vapi Branch branch overview

Located at SHOP NO 1-2-3 K P TOWER GANDHI CHOWK STATION ROAD, the Vapi Branch branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC PMEC0103939 is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

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 Prime Cooperative Bank Limited's VAPI BRANCH branch came to be assigned the code PMEC0103939.

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 PMEC0103939, money simply cannot be routed to the VAPI BRANCH branch electronically.

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by Prime Cooperative Bank Limited carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC PMEC0103939 and the account number together uniquely identify the Vapi Branch branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC PMEC0103939

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 PMEC0103939 across all three.

NEFT to Prime Cooperative Bank Limited, VAPI BRANCH using IFSC PMEC0103939

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 PMEC0103939, and confirm that the system picks up Prime Cooperative Bank Limited – VAPI BRANCH. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to VAPI BRANCH

If you need to transfer ₹2 lakh or more in one go to an account at Prime Cooperative Bank Limited's VAPI BRANCH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PMEC0103939 while initiating the transfer and the credit will appear within minutes.

IMPS to Prime Cooperative Bank Limited VAPI BRANCH (IFSC PMEC0103939)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PMEC0103939 in your mobile or internet banking app, and the money is credited to the VAPI BRANCH branch account within seconds.

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

All three modes accept the IFSC PMEC0103939 for Prime Cooperative Bank Limited – VAPI BRANCH, 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 Vapi Branch 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 Prime Cooperative Bank Limited's VAPI BRANCH branch, the IFSC PMEC0103939 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.

Account types you can open at the Vapi Branch branch

Once you have an account at Prime Cooperative Bank Limited – VAPI BRANCH, the IFSC PMEC0103939 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 Vapi Branch branch can access most of Prime Cooperative Bank Limited'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 PMEC0103939

Digital banking channels

Most day-to-day work that customers used to do at the Vapi Branch 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 PMEC0103939 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.

Reaching the branch

The Vapi Branch branch sits at SHOP NO 1-2-3 K P TOWER GANDHI CHOWK STATION ROAD. If you are travelling from outside Vapi, search for the branch on a maps application using the bank name and locality, or call 260-2424177 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 PMEC0103939 and your account number.

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 Prime Cooperative Bank Limited – VAPI BRANCH:

• The IFSC is exactly PMEC0103939 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills Prime Cooperative Bank Limited as the bank name and VAPI BRANCH 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.

Working hours

Branch counters at Vapi Branch are usually open from 10 AM to 4 PM on weekdays. Saturdays follow the RBI's alternate-Saturday rule. Even when the branch is closed, NEFT, RTGS, IMPS and UPI transfers addressed to PMEC0103939 continue to work without interruption.

Verifying IFSC PMEC0103939 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 PMEC0103939 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 260-2424177.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Final notes

To recap: PMEC0103939 is the IFSC code of Prime Cooperative Bank Limited, VAPI BRANCH branch, in VAPI, GUJARAT. 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.