IFSC Code of Rajnandgaon District Central Co-operative Bank Ltd, Deposit Branch Kawardha Branch, Chhattisgarh

Below are the complete branch details for Rajnandgaon District Central Co-operative Bank Ltd, DEPOSIT BRANCH KAWARDHA branch, located in KAWARDHA, CHHATTISGARH. The IFSC assigned by the Reserve Bank of India to this branch is RDCB0000023. 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 RDCB0000023 for Rajnandgaon District Central Co-operative Bank Ltd – DEPOSIT BRANCH KAWARDHA — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 Rajnandgaon District Central Co-operative Bank Ltd – DEPOSIT BRANCH KAWARDHA is RDCB0000023. The first four letters RDCB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000023 map to this branch in KAWARDHA, CHHATTISGARH.

About the bank

Rajnandgaon District Central Co-operative Bank Ltd serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Deposit Branch Kawardha branch in Kawardha, Chhattisgarh is part of this network and uses the IFSC code RDCB0000023 for all electronic settlement.

Branch details at a glance

About this branch

The branch is located at NEAR JAMAAT MANDIR KAWARDHA. It serves the Kawardha region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Rajnandgaon District Central Co-operative Bank Ltd. The IFSC RDCB0000023 is used to identify this branch on the RBI payments network.

Why every Rajnandgaon District Central Co-operative Bank Ltd 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 DEPOSIT BRANCH KAWARDHA of Rajnandgaon District Central Co-operative Bank Ltd — its own 11-character IFSC. The code RDCB0000023 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 RDCB0000023 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Deposit Branch Kawardha branch is mapped to IFSC RDCB0000023 on the RBI payments network. The branch generally supports the full retail product catalogue of Rajnandgaon District Central Co-operative Bank Ltd, 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 RDCB0000023.

Products and services

Customers walking into the Deposit Branch Kawardha 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 RDCB0000023

How to transfer money using IFSC RDCB0000023

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 RDCB0000023 across all three.

NEFT to Rajnandgaon District Central Co-operative Bank Ltd, DEPOSIT BRANCH KAWARDHA using IFSC RDCB0000023

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 RDCB0000023, and confirm that the system picks up Rajnandgaon District Central Co-operative Bank Ltd – DEPOSIT BRANCH KAWARDHA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC RDCB0000023

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 Rajnandgaon District Central Co-operative Bank Ltd – DEPOSIT BRANCH KAWARDHA, ensure your bank's portal accepts IFSC RDCB0000023 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Rajnandgaon District Central Co-operative Bank Ltd DEPOSIT BRANCH KAWARDHA (IFSC RDCB0000023)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC RDCB0000023 in your mobile or internet banking app, and the money is credited to the DEPOSIT BRANCH KAWARDHA branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Deposit Branch Kawardha

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 RDCB0000023:

• 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 DEPOSIT BRANCH KAWARDHA is still linked to IFSC RDCB0000023.

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 RDCB0000023

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 – DEPOSIT BRANCH KAWARDHA is still mapped to IFSC RDCB0000023. 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 RDCB0000023 and the beneficiary's account number to complete the transfer.

Online banking and IFSC RDCB0000023

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 DEPOSIT BRANCH KAWARDHA 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 RDCB0000023 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.

MICR & cheque-truncation details

Cheques drawn on the Deposit Branch Kawardha branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC RDCB0000023 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Common mistakes to avoid when using IFSC RDCB0000023

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 – DEPOSIT BRANCH KAWARDHA, 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: RDCB0000023.
• 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.

Reaching the branch

The Deposit Branch Kawardha branch sits at NEAR JAMAAT MANDIR KAWARDHA. If you are travelling from outside Kawardha, search for the branch on a maps application using the bank name and locality, or call 7741-232162 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 RDCB0000023 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC RDCB0000023 for Rajnandgaon District Central Co-operative Bank Ltd – DEPOSIT BRANCH KAWARDHA, 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 Deposit Branch Kawardha branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC RDCB0000023, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: RDCB0000023 is the IFSC code of Rajnandgaon District Central Co-operative Bank Ltd, DEPOSIT BRANCH KAWARDHA branch, in KAWARDHA, CHHATTISGARH. 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.