IFSC Code of The Mumbai District Central Cooperative Bank Limited, State Transport Coop Bank Thane Branch, Maharashtra

This page lists the IFSC code, branch address, contact number and fund-transfer information for The Mumbai District Central Cooperative Bank Limited, STATE TRANSPORT COOP BANK THANE branch in THANE. The 11-digit IFSC MDCB0680284 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 STATE TRANSPORT COOP BANK THANE 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 – STATE TRANSPORT COOP BANK THANE is MDCB0680284. The first four letters MDCB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 680284 map to this branch in THANE, MAHARASHTRA.

Branch details at a glance

Bank profile

The Mumbai District Central Cooperative Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The State Transport Coop Bank Thane branch — IFSC MDCB0680284 — extends the bank's services to customers in and around Thane, Maharashtra.

About the State Transport Coop Bank Thane branch

The State Transport Coop Bank Thane branch of The Mumbai District Central Cooperative Bank Limited is situated at S T DEPOT, STATION ROAD, NEAR RAILWAY STATION, THANE. 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 MDCB0680284 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 STATE TRANSPORT COOP BANK THANE of The Mumbai District Central Cooperative Bank Limited — its own 11-character IFSC. The code MDCB0680284 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 MDCB0680284 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 MDCB0680284

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 MDCB0680284 across all three.

How to use IFSC MDCB0680284 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 STATE TRANSPORT COOP BANK THANE 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 MDCB0680284.
4. Confirm the bank name auto-populates as The Mumbai District Central Cooperative Bank Limited and the branch as STATE TRANSPORT COOP BANK THANE.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC MDCB0680284

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 – STATE TRANSPORT COOP BANK THANE, ensure your bank's portal accepts IFSC MDCB0680284 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 – STATE TRANSPORT COOP BANK THANE, use IMPS. With IFSC MDCB0680284 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 State Transport Coop Bank Thane

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 MDCB0680284:

• 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 STATE TRANSPORT COOP BANK THANE is still linked to IFSC MDCB0680284.

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 MDCB0680284

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 – STATE TRANSPORT COOP BANK THANE is still mapped to IFSC MDCB0680284. 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 MDCB0680284 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the State Transport Coop Bank Thane branch is mapped to IFSC MDCB0680284 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 MDCB0680284.

Banking services available

The State Transport Coop Bank Thane branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 22-25335559.

• 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 MDCB0680284

MICR & cheque-truncation details

Cheques drawn on the State Transport Coop Bank Thane branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC MDCB0680284 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 State Transport Coop Bank Thane 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 MDCB0680284 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 MDCB0680284

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 – STATE TRANSPORT COOP BANK THANE, 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: MDCB0680284.
• 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.

How to reach the State Transport Coop Bank Thane branch

The branch is located at S T DEPOT, STATION ROAD, NEAR RAILWAY STATION, THANE, which puts it inside Thane, the broader Thane 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 State Transport Coop Bank Thane branch” — the verified location pin for IFSC MDCB0680284 should appear at the top of the results.
2. Confirm the branch is open by calling 22-25335559 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 MDCB0680284 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC MDCB0680284 for The Mumbai District Central Cooperative Bank Limited – STATE TRANSPORT COOP BANK THANE, 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 State Transport Coop Bank Thane branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC MDCB0680284, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: MDCB0680284 is the IFSC code of The Mumbai District Central Cooperative Bank Limited, STATE TRANSPORT COOP BANK THANE branch, in THANE, 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.