IFSC Code of The Thane District Central Cooperative Bank Limited, Lodha Heaven (shilphata) Branch, Maharashtra

This page lists the IFSC code, branch address, contact number and fund-transfer information for The Thane District Central Cooperative Bank Limited, LODHA HEAVEN (SHILPHATA) branch in THANE. The 11-digit IFSC TDCB0000085 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 LODHA HEAVEN (SHILPHATA) 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.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For The Thane District Central Cooperative Bank Limited's LODHA HEAVEN (SHILPHATA) branch, the IFSC TDCB0000085 breaks down as follows: TDCB identifies the bank, 0 is the reserved character, and 000085 identifies this particular branch.

About The Thane District Central Cooperative Bank Limited

The Thane District Central Cooperative Bank Limited operates a wide network of branches across India, including the Lodha Heaven (shilphata) branch in Thane. 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, TDCB0000085.

About the Lodha Heaven (shilphata) branch

The Lodha Heaven (shilphata) branch of The Thane District Central Cooperative Bank Limited is situated at MUKTA RESIDENSY, B-2, 1ST FLOOR, NEAR KHIDKALESHWAR MANDIR,KALYAN – SHILFATA,TALUKA-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 TDCB0000085 is used.

Branch details at a glance

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 LODHA HEAVEN (SHILPHATA) of The Thane District Central Cooperative Bank Limited — its own 11-character IFSC. The code TDCB0000085 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 TDCB0000085 the same way you would treat your account number — verify it once and save it carefully for future use.

MICR & cheque-truncation details

Cheques drawn on the Lodha Heaven (shilphata) branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC TDCB0000085 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC TDCB0000085

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 TDCB0000085 across all three.

NEFT to The Thane District Central Cooperative Bank Limited, LODHA HEAVEN (SHILPHATA) using IFSC TDCB0000085

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 TDCB0000085, and confirm that the system picks up The Thane District Central Cooperative Bank Limited – LODHA HEAVEN (SHILPHATA). Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to LODHA HEAVEN (SHILPHATA)

If you need to transfer ₹2 lakh or more in one go to an account at The Thane District Central Cooperative Bank Limited's LODHA HEAVEN (SHILPHATA) branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC TDCB0000085 while initiating the transfer and the credit will appear within minutes.

IMPS to The Thane District Central Cooperative Bank Limited LODHA HEAVEN (SHILPHATA) (IFSC TDCB0000085)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC TDCB0000085 in your mobile or internet banking app, and the money is credited to the LODHA HEAVEN (SHILPHATA) branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC TDCB0000085 for The Thane District Central Cooperative Bank Limited – LODHA HEAVEN (SHILPHATA), but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.

For most retail customers crediting the Lodha Heaven (shilphata) branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.

UPI payments and IFSC TDCB0000085

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 Thane District Central Cooperative Bank Limited – LODHA HEAVEN (SHILPHATA) is still mapped to IFSC TDCB0000085. 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 TDCB0000085 and the beneficiary's account number to complete the transfer.

Account types you can open at the Lodha Heaven (shilphata) branch

Once you have an account at The Thane District Central Cooperative Bank Limited – LODHA HEAVEN (SHILPHATA), the IFSC TDCB0000085 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 Lodha Heaven (shilphata) branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 9224182032.

• 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 TDCB0000085

Online banking and IFSC TDCB0000085

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 LODHA HEAVEN (SHILPHATA) 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 TDCB0000085 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.

Reaching the branch

The Lodha Heaven (shilphata) branch sits at MUKTA RESIDENSY, B-2, 1ST FLOOR, NEAR KHIDKALESHWAR MANDIR,KALYAN – SHILFATA,TALUKA-THANE. If you are travelling from outside Thane, search for the branch on a maps application using the bank name and locality, or call 9224182032 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 TDCB0000085 and your account number.

Common mistakes to avoid when using IFSC TDCB0000085

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 – LODHA HEAVEN (SHILPHATA), 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: TDCB0000085.
• 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.

Working hours

Branch counters at Lodha Heaven (shilphata) 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 TDCB0000085 continue to work without interruption.

Verifying IFSC TDCB0000085 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 TDCB0000085 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 9224182032.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Summary

The IFSC code TDCB0000085 belongs to The Thane District Central Cooperative Bank Limited's LODHA HEAVEN (SHILPHATA) branch, located at MUKTA RESIDENSY, B-2, 1ST FLOOR, NEAR KHIDKALESHWAR MANDIR,KALYAN –… in THANE, 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.