IFSC Code of The Mumbai District Central Cooperative Bank Limited, N M Joshi Marg Branch, Maharashtra

This page lists the IFSC code, branch address, contact number and fund-transfer information for The Mumbai District Central Cooperative Bank Limited, N M JOSHI MARG branch in MUMBAI. The 11-digit IFSC MDCB0680047 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with The Mumbai District Central Cooperative Bank Limited at the N M JOSHI MARG location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.

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 – N M JOSHI MARG is MDCB0680047. The first four letters MDCB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 680047 map to this branch in MUMBAI, MAHARASHTRA.

Branch details at a glance

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 N M Joshi Marg 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, MDCB0680047.

About the N M Joshi Marg branch

The N M Joshi Marg branch of The Mumbai District Central Cooperative Bank Limited is situated at YOGESHWAR CO OP HSG STY,SHOP NO 7,DELISE ROAD,N M JOSHI MARG,MUMBAI 400 013. 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 MDCB0680047 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 The Mumbai District Central Cooperative Bank Limited's N M JOSHI MARG branch came to be assigned the code MDCB0680047.

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 MDCB0680047, money simply cannot be routed to the N M JOSHI MARG branch electronically.

How to transfer money using IFSC MDCB0680047

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 MDCB0680047 across all three.

How to use IFSC MDCB0680047 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to The Mumbai District Central Cooperative Bank Limited's N M JOSHI MARG 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).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC MDCB0680047.
4. Confirm the bank name auto-populates as The Mumbai District Central Cooperative Bank Limited and the branch as N M JOSHI MARG.
5. 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 N M JOSHI MARG

If you need to transfer ₹2 lakh or more in one go to an account at The Mumbai District Central Cooperative Bank Limited's N M JOSHI MARG branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC MDCB0680047 while initiating the transfer and the credit will appear within minutes.

IMPS to The Mumbai District Central Cooperative Bank Limited N M JOSHI MARG (IFSC MDCB0680047)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC MDCB0680047 in your mobile or internet banking app, and the money is credited to the N M JOSHI MARG branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to N M Joshi Marg

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 MDCB0680047:

• 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 N M JOSHI MARG is still linked to IFSC MDCB0680047.

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 N M JOSHI MARG branch, the IFSC MDCB0680047 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.

Products and account variants supported

Every account opened at the N M Joshi Marg branch is mapped to IFSC MDCB0680047 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 MDCB0680047.

Banking services available

The N M Joshi Marg branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 22-8976754247.

• 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 MDCB0680047

MICR & cheque-truncation details

Cheques drawn on the N M Joshi Marg branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC MDCB0680047 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC MDCB0680047

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 N M JOSHI MARG 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 MDCB0680047 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 MDCB0680047

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 – N M JOSHI MARG, 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: MDCB0680047.
• 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 N M Joshi Marg branch sits at YOGESHWAR CO OP HSG STY,SHOP NO 7,DELISE ROAD,N M JOSHI MARG,MUMBAI 400 013. If you are travelling from outside Mumbai, search for the branch on a maps application using the bank name and locality, or call 22-8976754247 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 MDCB0680047 and your account number.

Verifying IFSC MDCB0680047 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 MDCB0680047 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 22-8976754247.
• Visiting the bank's official branch locator page.

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 N M Joshi Marg branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC MDCB0680047, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code MDCB0680047 belongs to The Mumbai District Central Cooperative Bank Limited's N M JOSHI MARG branch, located at YOGESHWAR CO OP HSG STY,SHOP NO 7,DELISE ROAD,N M JOSHI MARG,MUMBAI 400 013 in MUMBAI, MAHARASHTRA. 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.