This page lists the IFSC code, branch address, contact number and fund-transfer information for The Thane District Central Cooperative Bank Limited, SAIWAN branch in PALGHAR. The 11-digit IFSC TDCB0000109 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 Thane District Central Cooperative Bank Limited at the SAIWAN 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, TDCB0000109 is the IFSC of The Thane District Central Cooperative Bank Limited's SAIWAN branch. The format is fixed: TDCB = bank code, 0 = reserved, 000109 = branch identifier.
Branch details at a glance
| Bank Name | The Thane District Central Cooperative Bank Limited |
|---|---|
| Branch | Saiwan |
| IFSC Code | TDCB0000109 |
| MICR Code | Refer to cheque leaf |
| Branch Address | HOUSE NO 1087, GR. FLOOR, AT SAIWAN , TAL DAHANU DIST-PALGHAR PIN 401602 |
| City | Palghar |
| District | Dahanu |
| State | Maharashtra |
| STD Code | 22 |
| Phone | 25397846 |
Bank profile
The Thane District Central Cooperative Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Saiwan branch — IFSC TDCB0000109 — extends the bank's services to customers in and around Palghar, Maharashtra.
About the Saiwan branch
The Saiwan branch of The Thane District Central Cooperative Bank Limited is situated at HOUSE NO 1087, GR. FLOOR, AT SAIWAN , TAL DAHANU DIST-PALGHAR PIN 401602. 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 TDCB0000109 is used.
Why every The Thane 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 SAIWAN of The Thane District Central Cooperative Bank Limited — its own 11-character IFSC. The code TDCB0000109 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 TDCB0000109 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 TDCB0000109
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 TDCB0000109 across all three.
How to use IFSC TDCB0000109 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to The Thane District Central Cooperative Bank Limited's SAIWAN 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC TDCB0000109.
- Confirm the bank name auto-populates as The Thane District Central Cooperative Bank Limited and the branch as SAIWAN.
- 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 SAIWAN
If you need to transfer ₹2 lakh or more in one go to an account at The Thane District Central Cooperative Bank Limited's SAIWAN branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC TDCB0000109 while initiating the transfer and the credit will appear within minutes.
IMPS to The Thane District Central Cooperative Bank Limited SAIWAN (IFSC TDCB0000109)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC TDCB0000109 in your mobile or internet banking app, and the money is credited to the SAIWAN branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Saiwan
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 TDCB0000109:
- 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 SAIWAN is still linked to IFSC TDCB0000109.
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 Thane District Central Cooperative Bank Limited's SAIWAN branch, the IFSC TDCB0000109 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.
Account types you can open at the Saiwan branch
Once you have an account at The Thane District Central Cooperative Bank Limited – SAIWAN, the IFSC TDCB0000109 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 Saiwan branch can access most of The Thane 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 TDCB0000109
MICR & cheque-truncation details
Cheques drawn on the Saiwan branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC TDCB0000109 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Online banking and IFSC TDCB0000109
The Thane District Central Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the SAIWAN 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 TDCB0000109 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 TDCB0000109
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 Thane District Central Cooperative Bank Limited – SAIWAN, 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:
TDCB0000109. - 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 Saiwan branch
The branch is located at HOUSE NO 1087, GR. FLOOR, AT SAIWAN , TAL DAHANU DIST-PALGHAR PIN 401602, which puts it inside Palghar, the broader Dahanu district, and the state of Maharashtra. To plan your visit:
- Open Google Maps on your phone and search for “The Thane District Central Cooperative Bank Limited Saiwan branch” — the verified location pin for IFSC TDCB0000109 should appear at the top of the results.
- Confirm the branch is open by calling 22-25397846 before stepping out, especially around public holidays.
- 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 TDCB0000109 and your account number.
Verifying IFSC TDCB0000109 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 TDCB0000109 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 22-25397846.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Saiwan 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 TDCB0000109 continue to work without interruption.
Branch address & contact
The Thane District Central Cooperative Bank LimitedSaiwan Branch
HOUSE NO 1087, GR. FLOOR, AT SAIWAN , TAL DAHANU DIST-PALGHAR PIN 401602
Palghar, Maharashtra
Phone: 22-25397846
IFSC: TDCB0000109
Frequently asked questions
How do I add The Thane District Central Cooperative Bank Limited Saiwan as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC TDCB0000109, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using TDCB0000109 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to The Thane District Central Cooperative Bank Limited – Saiwan reflect within 30 minutes.
Where is The Thane District Central Cooperative Bank Limited Saiwan branch located?
The Thane District Central Cooperative Bank Limited's Saiwan branch is located at HOUSE NO 1087, GR. FLOOR, AT SAIWAN , TAL DAHANU DIST-PALGHAR PIN 401602, Palghar, Maharashtra.
Can I use IFSC TDCB0000109 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC TDCB0000109 to send funds instantly.
What is the IFSC code of The Thane District Central Cooperative Bank Limited Saiwan branch?
The IFSC code of The Thane District Central Cooperative Bank Limited, Saiwan branch is TDCB0000109. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC TDCB0000109 valid for NEFT and RTGS?
Yes. IFSC TDCB0000109 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Does The Thane District Central Cooperative Bank Limited Saiwan branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 22-25397846 to confirm.
Summary
The IFSC code TDCB0000109 belongs to The Thane District Central Cooperative Bank Limited's SAIWAN branch, located at HOUSE NO 1087, GR. FLOOR, AT SAIWAN , TAL DAHANU DIST-PALGHAR PIN 401602 in PALGHAR, 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.
