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

Use this page as a one-stop reference for everything related to The Mumbai District Central Cooperative Bank Limited's VIKHROLI EAST branch in MUMBAI, MAHARASHTRA. The branch's IFSC code MDCB0680020 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

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 – VIKHROLI EAST is MDCB0680020. The first four letters MDCB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 680020 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 Vikhroli East 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, MDCB0680020.

About the Vikhroli East branch

The Vikhroli East branch of The Mumbai District Central Cooperative Bank Limited is situated at CLASSIC COMMERCIAL COMPLEX,SHOP NO.101A, OPP.VIKAS HIGHSCHOOL,KANNAMVAR NAGAR NO.2, 1ST FLOOR, VIKHROLI (E),MUMBAI - 400 083.. 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 MDCB0680020 is used.

Why every The Mumbai District Central Cooperative Bank Limited 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 VIKHROLI EAST of The Mumbai District Central Cooperative Bank Limited — its own 11-character IFSC. The code MDCB0680020 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 MDCB0680020 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC MDCB0680020

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 MDCB0680020 across all three.

How to use IFSC MDCB0680020 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 VIKHROLI EAST 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 MDCB0680020.
4. Confirm the bank name auto-populates as The Mumbai District Central Cooperative Bank Limited and the branch as VIKHROLI EAST.
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 VIKHROLI EAST

If you need to transfer ₹2 lakh or more in one go to an account at The Mumbai District Central Cooperative Bank Limited's VIKHROLI EAST branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC MDCB0680020 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to The Mumbai District Central Cooperative Bank Limited – VIKHROLI EAST, use IMPS. With IFSC MDCB0680020 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 Vikhroli East

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 MDCB0680020:

• 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 VIKHROLI EAST is still linked to IFSC MDCB0680020.

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 VIKHROLI EAST branch, the IFSC MDCB0680020 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 Vikhroli East branch is mapped to IFSC MDCB0680020 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 MDCB0680020.

Banking services available

The Vikhroli East branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 22-8976754220.

• 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 MDCB0680020

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 MDCB0680020 and the account number together uniquely identify the Vikhroli East branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Digital banking channels

Most day-to-day work that customers used to do at the Vikhroli East branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC MDCB0680020 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.

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 – VIKHROLI EAST:

• The IFSC is exactly MDCB0680020 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 VIKHROLI EAST 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.

Reaching the branch

The Vikhroli East branch sits at CLASSIC COMMERCIAL COMPLEX,SHOP NO.101A, OPP.VIKAS HIGHSCHOOL,KANNAMVAR NAGAR NO.2, 1ST FLOOR, VIKHROLI (E),MUMBAI - 400 083.. If you are travelling from outside Mumbai, search for the branch on a maps application using the bank name and locality, or call 22-8976754220 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 MDCB0680020 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC MDCB0680020 for The Mumbai District Central Cooperative Bank Limited – VIKHROLI EAST, 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 Vikhroli East branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC MDCB0680020, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code MDCB0680020 belongs to The Mumbai District Central Cooperative Bank Limited's VIKHROLI EAST branch, located at CLASSIC COMMERCIAL COMPLEX,SHOP NO.101A, OPP.VIKAS HIGHSCHOOL,KANNAMVAR NAGAR… 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.