IFSC Code of The Thane District Central Cooperative Bank Limited, Ulhasnagar-3 Branch, Maharashtra

If you are searching for the IFSC code of The Thane District Central Cooperative Bank Limited, ULHASNAGAR-3 branch in THANE, MAHARASHTRA, this page has every detail you need. The verified IFSC code for this branch is TDCB0000045. 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 ULHASNAGAR-3 branch, and detailed step-by-step guides for using the IFSC TDCB0000045 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.

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, TDCB0000045 is the IFSC of The Thane District Central Cooperative Bank Limited's ULHASNAGAR-3 branch. The format is fixed: TDCB = bank code, 0 = reserved, 000045 = branch identifier.

Branch details at a glance

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 Ulhasnagar-3 branch in Thane, Maharashtra is part of this network and uses the IFSC code TDCB0000045 for all electronic settlement.

About this branch

The branch is located at SHRI RAM NIWAS KALYAN AMBERNATH ROAD, ULHASNAGAR-3, PIN CODE-421 003.. It serves the Thane region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of The Thane District Central Cooperative Bank Limited. The IFSC TDCB0000045 is used to identify this branch on the RBI payments network.

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 ULHASNAGAR-3 of The Thane District Central Cooperative Bank Limited — its own 11-character IFSC. The code TDCB0000045 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 TDCB0000045 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 TDCB0000045

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 TDCB0000045 across all three.

How to use IFSC TDCB0000045 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 ULHASNAGAR-3 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 TDCB0000045.
4. Confirm the bank name auto-populates as The Thane District Central Cooperative Bank Limited and the branch as ULHASNAGAR-3.
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 ULHASNAGAR-3

If you need to transfer ₹2 lakh or more in one go to an account at The Thane District Central Cooperative Bank Limited's ULHASNAGAR-3 branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC TDCB0000045 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to The Thane District Central Cooperative Bank Limited – ULHASNAGAR-3, use IMPS. With IFSC TDCB0000045 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

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

All three modes accept the IFSC TDCB0000045 for The Thane District Central Cooperative Bank Limited – ULHASNAGAR-3, 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 Ulhasnagar-3 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.

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 ULHASNAGAR-3 branch, the IFSC TDCB0000045 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 Ulhasnagar-3 branch

Once you have an account at The Thane District Central Cooperative Bank Limited – ULHASNAGAR-3, the IFSC TDCB0000045 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 Ulhasnagar-3 branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 251-2734229.

• 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 TDCB0000045

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 TDCB0000045 and the account number together uniquely identify the Ulhasnagar-3 branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Digital banking channels

Most day-to-day work that customers used to do at the Ulhasnagar-3 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 TDCB0000045 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.

Common mistakes to avoid when using IFSC TDCB0000045

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 – ULHASNAGAR-3, 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: TDCB0000045.
• 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 Ulhasnagar-3 branch

The branch is located at SHRI RAM NIWAS KALYAN AMBERNATH ROAD, ULHASNAGAR-3, PIN CODE-421 003., which puts it inside Thane, the broader Ulhasnagar 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 Ulhasnagar-3 branch” — the verified location pin for IFSC TDCB0000045 should appear at the top of the results.
2. Confirm the branch is open by calling 251-2734229 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 TDCB0000045 and your account number.

Verifying IFSC TDCB0000045 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 TDCB0000045 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 251-2734229.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Ulhasnagar-3 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 TDCB0000045 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: TDCB0000045 is the IFSC code of The Thane District Central Cooperative Bank Limited, ULHASNAGAR-3 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.