IFSC Code of The Mumbai District Central Cooperative Bank Limited, State Transport Coop Bank Vasai 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 VASAI branch in VASAI. The 11-digit IFSC MDCB0680326 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 VASAI 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.

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, MDCB0680326 is the IFSC of The Mumbai District Central Cooperative Bank Limited's STATE TRANSPORT COOP BANK VASAI branch. The format is fixed: MDCB = bank code, 0 = reserved, 680326 = branch identifier.

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 State Transport Coop Bank Vasai branch in Vasai. 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, MDCB0680326.

About this branch

The branch is located at S T STAND BLDG, 1ST FLOOR,VASAI DIST THANE. It serves the Vasai 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 MDCB0680326 is used to identify this branch on the RBI payments network.

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 STATE TRANSPORT COOP BANK VASAI branch came to be assigned the code MDCB0680326.

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 MDCB0680326, money simply cannot be routed to the STATE TRANSPORT COOP BANK VASAI branch electronically.

How to transfer money using IFSC MDCB0680326

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 MDCB0680326 across all three.

NEFT to The Mumbai District Central Cooperative Bank Limited, STATE TRANSPORT COOP BANK VASAI using IFSC MDCB0680326

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 MDCB0680326, and confirm that the system picks up The Mumbai District Central Cooperative Bank Limited – STATE TRANSPORT COOP BANK VASAI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC MDCB0680326

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 VASAI, ensure your bank's portal accepts IFSC MDCB0680326 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 VASAI, use IMPS. With IFSC MDCB0680326 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 Vasai

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 MDCB0680326:

• 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 VASAI is still linked to IFSC MDCB0680326.

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 MDCB0680326

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 VASAI is still mapped to IFSC MDCB0680326. 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 MDCB0680326 and the beneficiary's account number to complete the transfer.

Account types you can open at the State Transport Coop Bank Vasai branch

Once you have an account at The Mumbai District Central Cooperative Bank Limited – STATE TRANSPORT COOP BANK VASAI, the IFSC MDCB0680326 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.

Products and services

Customers walking into the State Transport Coop Bank Vasai branch can access most of The Mumbai District Central Cooperative Bank Limited's standard product suite, including:

• Account opening – savings, current, NRI, salary
• Term deposits and recurring deposits
• Retail and small-business loans
• Insurance and mutual-fund tie-ups
• Locker, safe deposit and ATM card services
• Online and mobile banking activation
• Electronic transfers via IFSC MDCB0680326

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 MDCB0680326 and the account number together uniquely identify the State Transport Coop Bank Vasai 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 State Transport Coop Bank Vasai 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 MDCB0680326 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 MDCB0680326

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 VASAI, 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: MDCB0680326.
• 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 State Transport Coop Bank Vasai branch sits at S T STAND BLDG, 1ST FLOOR,VASAI DIST THANE. If you are travelling from outside Vasai, search for the branch on a maps application using the bank name and locality, or call 22-5023830 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 MDCB0680326 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC MDCB0680326 for The Mumbai District Central Cooperative Bank Limited – STATE TRANSPORT COOP BANK VASAI, 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 Vasai branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC MDCB0680326, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code MDCB0680326 belongs to The Mumbai District Central Cooperative Bank Limited's STATE TRANSPORT COOP BANK VASAI branch, located at S T STAND BLDG, 1ST FLOOR,VASAI DIST THANE in VASAI, 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.