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

Below are the complete branch details for The Mumbai District Central Cooperative Bank Limited, CHARKOP branch, located in MUMBAI, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is MDCB0680022. 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 MDCB0680022 for The Mumbai District Central Cooperative Bank Limited – CHARKOP — 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, MDCB0680022 is the IFSC of The Mumbai District Central Cooperative Bank Limited's CHARKOP branch. The format is fixed: MDCB = bank code, 0 = reserved, 680022 = branch identifier.

About the bank

The Mumbai District Central Cooperative Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Charkop branch in Mumbai, Maharashtra is part of this network and uses the IFSC code MDCB0680022 for all electronic settlement.

About the Charkop branch

The Charkop branch of The Mumbai District Central Cooperative Bank Limited is situated at SURBHI CO-OP. HSG. STY. LTD.,PLOT NO.278, R.D.P. 3,OPP.SAHYADRI NAGAR,CHARKOP-KANDIVALI (W),MUMBAI - 400 067.. 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 MDCB0680022 is used.

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 The Mumbai District Central Cooperative Bank Limited's CHARKOP branch came to be assigned the code MDCB0680022.

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 MDCB0680022, money simply cannot be routed to the CHARKOP branch electronically.

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by The Mumbai District Central 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 MDCB0680022 and the account number together uniquely identify the Charkop branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC MDCB0680022

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 MDCB0680022 across all three.

NEFT to The Mumbai District Central Cooperative Bank Limited, CHARKOP using IFSC MDCB0680022

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 MDCB0680022, and confirm that the system picks up The Mumbai District Central Cooperative Bank Limited – CHARKOP. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC MDCB0680022

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 – CHARKOP, ensure your bank's portal accepts IFSC MDCB0680022 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 – CHARKOP, use IMPS. With IFSC MDCB0680022 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

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

All three modes accept the IFSC MDCB0680022 for The Mumbai District Central Cooperative Bank Limited – CHARKOP, 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 Charkop 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.

UPI payments and IFSC MDCB0680022

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 The Mumbai District Central Cooperative Bank Limited – CHARKOP is still mapped to IFSC MDCB0680022. 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 MDCB0680022 and the beneficiary's account number to complete the transfer.

Account types you can open at the Charkop branch

Once you have an account at The Mumbai District Central Cooperative Bank Limited – CHARKOP, the IFSC MDCB0680022 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.

Banking services available

The Charkop branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 22-8976754222.

• Savings, current and salary accounts
• Fixed deposits and recurring deposits
• Personal, vehicle and home loans
• Demat and investment products (where supported)
• Internet banking and mobile banking enrolment
• Debit and credit card issuance
• Locker facilities (subject to availability)
• Foreign exchange services (at authorised branches)
• Bill payments, demand drafts and pay orders
• NEFT / RTGS / IMPS / UPI fund transfers using IFSC MDCB0680022

Online banking and IFSC MDCB0680022

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 CHARKOP 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 MDCB0680022 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.

Reaching the branch

The Charkop branch sits at SURBHI CO-OP. HSG. STY. LTD.,PLOT NO.278, R.D.P. 3,OPP.SAHYADRI NAGAR,CHARKOP-KANDIVALI (W),MUMBAI - 400 067.. If you are travelling from outside Mumbai, search for the branch on a maps application using the bank name and locality, or call 22-8976754222 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 MDCB0680022 and your account number.

Common mistakes to avoid when using IFSC MDCB0680022

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 The Mumbai District Central Cooperative Bank Limited – CHARKOP, 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: MDCB0680022.
• 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.

Working hours

Branch counters at Charkop 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 MDCB0680022 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC MDCB0680022 for The Mumbai District Central Cooperative Bank Limited – CHARKOP, 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 address & contact

Frequently asked questions

Final notes

To recap: MDCB0680022 is the IFSC code of The Mumbai District Central Cooperative Bank Limited, CHARKOP 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.