IFSC Code of The Mumbai District Central Cooperative Bank Limited, Byculla Branch, Maharashtra

Below are the complete branch details for The Mumbai District Central Cooperative Bank Limited, BYCULLA branch, located in MUMBAI, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is MDCB0680012. 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 MDCB0680012 for The Mumbai District Central Cooperative Bank Limited – BYCULLA — 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 The Mumbai District Central Cooperative Bank Limited – BYCULLA is MDCB0680012. The first four letters MDCB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 680012 map to this branch in MUMBAI, MAHARASHTRA.

About The Mumbai District Central Cooperative Bank Limited

The Mumbai District Central Cooperative Bank Limited operates a wide network of branches across India, including the Byculla branch in Mumbai. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, MDCB0680012.

Branch details at a glance

About this branch

The branch is located at SIDDHACHAL DARSHAN, LOVE LANE,BEHIND BYCULLA POLICE STATION,OPP.JAIN MANDIR, BYCULLA (E),MUMBAI - 400 027.. 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 The Mumbai District Central Cooperative Bank Limited. The IFSC MDCB0680012 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 The Mumbai District Central Cooperative Bank Limited's BYCULLA branch came to be assigned the code MDCB0680012.

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 MDCB0680012, money simply cannot be routed to the BYCULLA branch electronically.

Products and account variants supported

Every account opened at the Byculla branch is mapped to IFSC MDCB0680012 on the RBI payments network. The branch generally supports the full retail product catalogue of The Mumbai District Central Cooperative Bank Limited, 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 MDCB0680012.

Products and services

Customers walking into the Byculla branch can access most of The Mumbai District Central 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 MDCB0680012

How to transfer money using IFSC MDCB0680012

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 MDCB0680012 across all three.

NEFT to The Mumbai District Central Cooperative Bank Limited, BYCULLA using IFSC MDCB0680012

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 MDCB0680012, and confirm that the system picks up The Mumbai District Central Cooperative Bank Limited – BYCULLA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC MDCB0680012

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 The Mumbai District Central Cooperative Bank Limited – BYCULLA, ensure your bank's portal accepts IFSC MDCB0680012 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to The Mumbai District Central Cooperative Bank Limited – BYCULLA, use IMPS. With IFSC MDCB0680012 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 Byculla

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 MDCB0680012:

• 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 BYCULLA is still linked to IFSC MDCB0680012.

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.

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 The Mumbai District Central Cooperative Bank Limited's BYCULLA branch, the IFSC MDCB0680012 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.

Online banking and IFSC MDCB0680012

The Mumbai District Central Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the BYCULLA 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 MDCB0680012 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 Byculla branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC MDCB0680012 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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 The Mumbai District Central Cooperative Bank Limited – BYCULLA:

• The IFSC is exactly MDCB0680012 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills The Mumbai District Central Cooperative Bank Limited as the bank name and BYCULLA 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.

How to reach the Byculla branch

The branch is located at SIDDHACHAL DARSHAN, LOVE LANE,BEHIND BYCULLA POLICE STATION,OPP.JAIN MANDIR, BYCULLA (E),MUMBAI - 400 027., which puts it inside Mumbai, the broader Mumbai district, and the state of Maharashtra. To plan your visit:

1. Open Google Maps on your phone and search for “The Mumbai District Central Cooperative Bank Limited Byculla branch” — the verified location pin for IFSC MDCB0680012 should appear at the top of the results.
2. Confirm the branch is open by calling 22-8976754212 before stepping out, especially around public holidays.
3. 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 MDCB0680012 and your account number.

Verifying IFSC MDCB0680012 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 MDCB0680012 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 22-8976754212.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Byculla 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 MDCB0680012 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: MDCB0680012 is the IFSC code of The Mumbai District Central Cooperative Bank Limited, BYCULLA 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.