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

This page lists the IFSC code, branch address, contact number and fund-transfer information for The Mumbai District Central Cooperative Bank Limited, VIKHROLI WEST branch in MUMBAI. The 11-digit IFSC MDCB0680035 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 VIKHROLI WEST 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 – VIKHROLI WEST is MDCB0680035. The first four letters MDCB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 680035 map to this branch in MUMBAI, MAHARASHTRA.

Branch details at a glance

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 Vikhroli West branch in Mumbai, Maharashtra is part of this network and uses the IFSC code MDCB0680035 for all electronic settlement.

About this branch

The branch is located at S.G.S. HOUSE, GROUND FLOOR, GALA NO.4,5 NEAR POWAI TELEPHONE EXCHANGE,ADI SHANKARACHARYA MARG,VIKHROLI (W),MUMBAI - 400 083.. 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 MDCB0680035 is used to identify this branch on the RBI payments network.

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 WEST of The Mumbai District Central Cooperative Bank Limited — its own 11-character IFSC. The code MDCB0680035 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 MDCB0680035 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 MDCB0680035

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 MDCB0680035 across all three.

How to use IFSC MDCB0680035 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 WEST 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 MDCB0680035.
4. Confirm the bank name auto-populates as The Mumbai District Central Cooperative Bank Limited and the branch as VIKHROLI WEST.
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 WEST

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 WEST branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC MDCB0680035 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 WEST, use IMPS. With IFSC MDCB0680035 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 West

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 MDCB0680035:

• 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 WEST is still linked to IFSC MDCB0680035.

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 MDCB0680035

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 – VIKHROLI WEST is still mapped to IFSC MDCB0680035. 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 MDCB0680035 and the beneficiary's account number to complete the transfer.

Account types you can open at the Vikhroli West branch

Once you have an account at The Mumbai District Central Cooperative Bank Limited – VIKHROLI WEST, the IFSC MDCB0680035 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 Vikhroli West branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 22-8976754235.

• 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 MDCB0680035

MICR & cheque-truncation details

Cheques drawn on the Vikhroli West branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC MDCB0680035 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Digital banking channels

Most day-to-day work that customers used to do at the Vikhroli West 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 MDCB0680035 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.

Common mistakes to avoid when using IFSC MDCB0680035

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 – VIKHROLI WEST, 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: MDCB0680035.
• 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 Vikhroli West branch sits at S.G.S. HOUSE, GROUND FLOOR, GALA NO.4,5 NEAR POWAI TELEPHONE EXCHANGE,ADI SHANKARACHARYA MARG,VIKHROLI (W),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 22-8976754235 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 MDCB0680035 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC MDCB0680035 for The Mumbai District Central Cooperative Bank Limited – VIKHROLI WEST, 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.

Working hours

Branch counters at Vikhroli West 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 MDCB0680035 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code MDCB0680035 belongs to The Mumbai District Central Cooperative Bank Limited's VIKHROLI WEST branch, located at S.G.S. HOUSE, GROUND FLOOR, GALA NO.4,5 NEAR POWAI TELEPHONE EXCHANGE,ADI… 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.