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

If you are searching for the IFSC code of The Thane District Central Cooperative Bank Limited, NIRMAL branch in THANE, MAHARASHTRA, this page has every detail you need. The verified IFSC code for this branch is TDCB0000009. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the NIRMAL branch, and detailed step-by-step guides for using the IFSC TDCB0000009 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular 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 Thane District Central Cooperative Bank Limited – NIRMAL is TDCB0000009. The first four letters TDCB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000009 map to this branch in THANE, MAHARASHTRA.

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 Nirmal 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, TDCB0000009.

Branch details at a glance

Nirmal branch overview

Located at GAJANAN PRASAD BUILDING, AT & POST NIRMAL, TAL-VASAI, PIN-401304, the Nirmal branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC TDCB0000009 is required for all interbank electronic transfers routed through this branch.

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 NIRMAL of The Thane District Central Cooperative Bank Limited — its own 11-character IFSC. The code TDCB0000009 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 TDCB0000009 the same way you would treat your account number — verify it once and save it carefully for future use.

Account types you can open at the Nirmal branch

Once you have an account at The Thane District Central Cooperative Bank Limited – NIRMAL, the IFSC TDCB0000009 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 Nirmal branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 250-2470243.

• 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 TDCB0000009

How to transfer money using IFSC TDCB0000009

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 TDCB0000009 across all three.

NEFT to The Thane District Central Cooperative Bank Limited, NIRMAL using IFSC TDCB0000009

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 TDCB0000009, and confirm that the system picks up The Thane District Central Cooperative Bank Limited – NIRMAL. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to NIRMAL

If you need to transfer ₹2 lakh or more in one go to an account at The Thane District Central Cooperative Bank Limited's NIRMAL branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC TDCB0000009 while initiating the transfer and the credit will appear within minutes.

IMPS to The Thane District Central Cooperative Bank Limited NIRMAL (IFSC TDCB0000009)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC TDCB0000009 in your mobile or internet banking app, and the money is credited to the NIRMAL branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Nirmal

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 TDCB0000009:

• 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 NIRMAL is still linked to IFSC TDCB0000009.

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 TDCB0000009

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 – NIRMAL is still mapped to IFSC TDCB0000009. 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 TDCB0000009 and the beneficiary's account number to complete the transfer.

Online banking and IFSC TDCB0000009

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 NIRMAL 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 TDCB0000009 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.

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 TDCB0000009 and the account number together uniquely identify the Nirmal branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Things to verify before sending money

Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to The Thane District Central Cooperative Bank Limited – NIRMAL:

• The IFSC is exactly TDCB0000009 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills The Thane District Central Cooperative Bank Limited as the bank name and NIRMAL as the branch.
• The amount and the purpose of payment are correct.
• You have a valid OTP-verifying mobile number on hand.

A 30-second review here saves hours of reconciliation later.

How to reach the Nirmal branch

The branch is located at GAJANAN PRASAD BUILDING, AT & POST NIRMAL, TAL-VASAI, PIN-401304, which puts it inside Thane, the broader Nirmal district, and the state of Maharashtra. To plan your visit:

1. Open Google Maps on your phone and search for “The Thane District Central Cooperative Bank Limited Nirmal branch” — the verified location pin for IFSC TDCB0000009 should appear at the top of the results.
2. Confirm the branch is open by calling 250-2470243 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 TDCB0000009 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC TDCB0000009 for The Thane District Central Cooperative Bank Limited – NIRMAL, 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 Nirmal branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC TDCB0000009, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code TDCB0000009 belongs to The Thane District Central Cooperative Bank Limited's NIRMAL branch, located at GAJANAN PRASAD BUILDING, AT & POST NIRMAL, TAL-VASAI, PIN-401304 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.