IFSC Code of The Thane District Central Cooperative Bank Limited, Naigaon Branch, Maharashtra

Below are the complete branch details for The Thane District Central Cooperative Bank Limited, NAIGAON branch, located in THANE, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is TDCB0000005. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case TDCB0000005 for The Thane District Central Cooperative Bank Limited – NAIGAON — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 NAIGAON branch, the IFSC TDCB0000005 breaks down as follows: TDCB identifies the bank, 0 is the reserved character, and 000005 identifies this particular branch.

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 Naigaon branch — IFSC TDCB0000005 — extends the bank's services to customers in and around Thane, Maharashtra.

About the Naigaon branch

The Naigaon branch of The Thane District Central Cooperative Bank Limited is situated at OM GURUPRASAD,1ST FLOOR, NAIGAON-W, TALUKA-VASAI, PIN-401207. 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 TDCB0000005 is used.

Branch details at a glance

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 Thane District Central Cooperative Bank Limited's NAIGAON branch came to be assigned the code TDCB0000005.

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 TDCB0000005, money simply cannot be routed to the NAIGAON branch electronically.

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by The Thane 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 TDCB0000005 and the account number together uniquely identify the Naigaon branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC TDCB0000005

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 TDCB0000005 across all three.

How to use IFSC TDCB0000005 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 NAIGAON 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 TDCB0000005.
4. Confirm the bank name auto-populates as The Thane District Central Cooperative Bank Limited and the branch as NAIGAON.
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 NAIGAON

If you need to transfer ₹2 lakh or more in one go to an account at The Thane District Central Cooperative Bank Limited's NAIGAON branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC TDCB0000005 while initiating the transfer and the credit will appear within minutes.

IMPS to The Thane District Central Cooperative Bank Limited NAIGAON (IFSC TDCB0000005)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC TDCB0000005 in your mobile or internet banking app, and the money is credited to the NAIGAON branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Naigaon

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 TDCB0000005:

• 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 NAIGAON is still linked to IFSC TDCB0000005.

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 NAIGAON branch, the IFSC TDCB0000005 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.

Products and account variants supported

Every account opened at the Naigaon branch is mapped to IFSC TDCB0000005 on the RBI payments network. The branch generally supports the full retail product catalogue of The Thane 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 TDCB0000005.

Banking services available

The Naigaon branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 250-2300765.

• 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 TDCB0000005

Digital banking channels

Most day-to-day work that customers used to do at the Naigaon 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 TDCB0000005 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.

Reaching the branch

The Naigaon branch sits at OM GURUPRASAD,1ST FLOOR, NAIGAON-W, TALUKA-VASAI, PIN-401207. If you are travelling from outside Thane, search for the branch on a maps application using the bank name and locality, or call 250-2300765 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 TDCB0000005 and your account number.

Common mistakes to avoid when using IFSC TDCB0000005

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 – NAIGAON, 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: TDCB0000005.
• 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.

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 Naigaon branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC TDCB0000005, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC TDCB0000005 for The Thane District Central Cooperative Bank Limited – NAIGAON, 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 address & contact

Frequently asked questions

Final notes

To recap: TDCB0000005 is the IFSC code of The Thane District Central Cooperative Bank Limited, NAIGAON 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.