IFSC Code of The Thane District Central Cooperative Bank Limited, Ram Maruti Road Branch, Maharashtra

Below are the complete branch details for The Thane District Central Cooperative Bank Limited, RAM MARUTI ROAD branch, located in THANE, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is TDCB0000032. 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 TDCB0000032 for The Thane District Central Cooperative Bank Limited – RAM MARUTI ROAD — 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 RAM MARUTI ROAD branch, the IFSC TDCB0000032 breaks down as follows: TDCB identifies the bank, 0 is the reserved character, and 000032 identifies this particular branch.

About the bank

The Thane District Central Cooperative Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Ram Maruti Road branch in Thane, Maharashtra is part of this network and uses the IFSC code TDCB0000032 for all electronic settlement.

Ram Maruti Road branch overview

Located at SHRUSTI PRIDE CHS LTD, FLAT NO. 102,RAM MARUTI ROAD, THANE (WEST) PIN CODE-400 602., the Ram Maruti Road branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC TDCB0000032 is required for all interbank electronic transfers routed through this branch.

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 RAM MARUTI ROAD of The Thane District Central Cooperative Bank Limited — its own 11-character IFSC. The code TDCB0000032 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 TDCB0000032 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 Ram Maruti Road branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC TDCB0000032 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 TDCB0000032

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 TDCB0000032 across all three.

How to use IFSC TDCB0000032 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 RAM MARUTI ROAD 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 TDCB0000032.
4. Confirm the bank name auto-populates as The Thane District Central Cooperative Bank Limited and the branch as RAM MARUTI ROAD.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC TDCB0000032

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 Thane District Central Cooperative Bank Limited – RAM MARUTI ROAD, ensure your bank's portal accepts IFSC TDCB0000032 while registering the beneficiary. RTGS is also available 24x7.

IMPS to The Thane District Central Cooperative Bank Limited RAM MARUTI ROAD (IFSC TDCB0000032)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC TDCB0000032 in your mobile or internet banking app, and the money is credited to the RAM MARUTI ROAD branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Ram Maruti Road

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 TDCB0000032:

• 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 RAM MARUTI ROAD is still linked to IFSC TDCB0000032.

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 TDCB0000032

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 – RAM MARUTI ROAD is still mapped to IFSC TDCB0000032. 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 TDCB0000032 and the beneficiary's account number to complete the transfer.

Account types you can open at the Ram Maruti Road branch

Once you have an account at The Thane District Central Cooperative Bank Limited – RAM MARUTI ROAD, the IFSC TDCB0000032 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 Ram Maruti Road 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 TDCB0000032

Online banking and IFSC TDCB0000032

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 RAM MARUTI ROAD 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 TDCB0000032 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 Ram Maruti Road branch sits at SHRUSTI PRIDE CHS LTD, FLAT NO. 102,RAM MARUTI ROAD, THANE (WEST) PIN CODE-400 602.. If you are travelling from outside Thane, search for the branch on a maps application using the bank name and locality, or call 22-25402272 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 TDCB0000032 and your account number.

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 – RAM MARUTI ROAD:

• The IFSC is exactly TDCB0000032 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 RAM MARUTI ROAD 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.

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 Ram Maruti Road branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC TDCB0000032, however, work 24x7.

Verifying IFSC TDCB0000032 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 TDCB0000032 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 22-25402272.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Summary

The IFSC code TDCB0000032 belongs to The Thane District Central Cooperative Bank Limited's RAM MARUTI ROAD branch, located at SHRUSTI PRIDE CHS LTD, FLAT NO. 102,RAM MARUTI ROAD, THANE (WEST) PIN CODE-400… 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.