Below are the complete branch details for Rajnandgaon District Central Co-operative Bank Ltd, GHUMKA branch, located in GHUMKA, CHHATTISGARH. The IFSC assigned by the Reserve Bank of India to this branch is RDCB0000003. 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 RDCB0000003 for Rajnandgaon District Central Co-operative Bank Ltd – GHUMKA — 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, RDCB0000003 is the IFSC of Rajnandgaon District Central Co-operative Bank Ltd's GHUMKA branch. The format is fixed: RDCB = bank code, 0 = reserved, 000003 = branch identifier.
Branch details at a glance
| Bank Name | Rajnandgaon District Central Co-operative Bank Ltd |
|---|---|
| Branch | Ghumka |
| IFSC Code | RDCB0000003 |
| MICR Code | Refer to cheque leaf |
| Branch Address | NEAR BUS STAND GHUMKA |
| City | Ghumka |
| District | Rajnandgaon |
| State | Chhattisgarh |
| STD Code | 7746 |
| Phone | 288960 |
Bank profile
Rajnandgaon District Central Co-operative Bank Ltd is among the recognised banks listed on the Reserve Bank of India's payments network. The Ghumka branch — IFSC RDCB0000003 — extends the bank's services to customers in and around Ghumka, Chhattisgarh.
About the Ghumka branch
The Ghumka branch of Rajnandgaon District Central Co-operative Bank Ltd is situated at NEAR BUS STAND GHUMKA. 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 RDCB0000003 is used.
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 Rajnandgaon District Central Co-operative Bank Ltd's GHUMKA branch came to be assigned the code RDCB0000003.
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 RDCB0000003, money simply cannot be routed to the GHUMKA branch electronically.
How to transfer money using IFSC RDCB0000003
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 RDCB0000003 across all three.
How to use IFSC RDCB0000003 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Rajnandgaon District Central Co-operative Bank Ltd's GHUMKA 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC RDCB0000003.
- Confirm the bank name auto-populates as Rajnandgaon District Central Co-operative Bank Ltd and the branch as GHUMKA.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
Real-Time Gross Settlement to GHUMKA
If you need to transfer ₹2 lakh or more in one go to an account at Rajnandgaon District Central Co-operative Bank Ltd's GHUMKA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC RDCB0000003 while initiating the transfer and the credit will appear within minutes.
IMPS to Rajnandgaon District Central Co-operative Bank Ltd GHUMKA (IFSC RDCB0000003)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC RDCB0000003 in your mobile or internet banking app, and the money is credited to the GHUMKA branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Ghumka
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 RDCB0000003:
- 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 GHUMKA is still linked to IFSC RDCB0000003.
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 RDCB0000003
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 Rajnandgaon District Central Co-operative Bank Ltd – GHUMKA is still mapped to IFSC RDCB0000003. 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 RDCB0000003 and the beneficiary's account number to complete the transfer.
Account types you can open at the Ghumka branch
Once you have an account at Rajnandgaon District Central Co-operative Bank Ltd – GHUMKA, the IFSC RDCB0000003 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 Ghumka branch can access most of Rajnandgaon District Central Co-operative Bank Ltd'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 RDCB0000003
MICR & cheque-truncation details
Cheques drawn on the Ghumka branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC RDCB0000003 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Online banking and IFSC RDCB0000003
Rajnandgaon District Central Co-operative Bank Ltd customers can register for net banking and the bank's official mobile app once their account at the GHUMKA 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 RDCB0000003 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.
Common mistakes to avoid when using IFSC RDCB0000003
An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to Rajnandgaon District Central Co-operative Bank Ltd – GHUMKA, double-check for these issues:
- Confusing 0 with O. The fifth character of every IFSC is the digit
0, not the letter O. Read carefully. - Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters:
RDCB0000003. - Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
- Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
- Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.
How to reach the Ghumka branch
The branch is located at NEAR BUS STAND GHUMKA, which puts it inside Ghumka, the broader Rajnandgaon district, and the state of Chhattisgarh. To plan your visit:
- Open Google Maps on your phone and search for “Rajnandgaon District Central Co-operative Bank Ltd Ghumka branch” — the verified location pin for IFSC RDCB0000003 should appear at the top of the results.
- Confirm the branch is open by calling 7746-288960 before stepping out, especially around public holidays.
- Carry photo ID and any account-related documents you may need for the transaction you plan to do.
Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC RDCB0000003 and your account number.
Verifying IFSC RDCB0000003 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 RDCB0000003 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 7746-288960.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Ghumka 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 RDCB0000003 continue to work without interruption.
Branch address & contact
Rajnandgaon District Central Co-operative Bank LtdGhumka Branch
NEAR BUS STAND GHUMKA
Ghumka, Chhattisgarh
Phone: 7746-288960
IFSC: RDCB0000003
Frequently asked questions
How quickly will an NEFT transfer using RDCB0000003 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Rajnandgaon District Central Co-operative Bank Ltd – Ghumka reflect within 30 minutes.
How do I add Rajnandgaon District Central Co-operative Bank Ltd Ghumka as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC RDCB0000003, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the IFSC code of Rajnandgaon District Central Co-operative Bank Ltd Ghumka branch?
The IFSC code of Rajnandgaon District Central Co-operative Bank Ltd, Ghumka branch is RDCB0000003. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
What is the phone number of Rajnandgaon District Central Co-operative Bank Ltd Ghumka branch?
You can reach the branch at 7746-288960 during regular banking hours.
Does Rajnandgaon District Central Co-operative Bank Ltd Ghumka branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 7746-288960 to confirm.
Is IFSC RDCB0000003 valid for NEFT and RTGS?
Yes. IFSC RDCB0000003 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Summary
The IFSC code RDCB0000003 belongs to Rajnandgaon District Central Co-operative Bank Ltd's GHUMKA branch, located at NEAR BUS STAND GHUMKA in GHUMKA, CHHATTISGARH. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.
