IFSC Code of The Vijay Cooperative Bank Limited, Akhabarnagar Branch, Gujarat

If you are searching for the IFSC code of The Vijay Cooperative Bank Limited, AKHABARNAGAR branch in AHMEDABAD, GUJARAT, this page has every detail you need. The verified IFSC code for this branch is VCOB0000012. 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 AKHABARNAGAR branch, and detailed step-by-step guides for using the IFSC VCOB0000012 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, VCOB0000012 is the IFSC of The Vijay Cooperative Bank Limited's AKHABARNAGAR branch. The format is fixed: VCOB = bank code, 0 = reserved, 000012 = branch identifier.

About The Vijay Cooperative Bank Limited

The Vijay Cooperative Bank Limited operates a wide network of branches across India, including the Akhabarnagar branch in Ahmedabad. 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, VCOB0000012.

About this branch

The branch is located at 1,FIRST FLOOR,SWENI COMPLEX,OPP RONAK PARK SOCIETY,NEAR AKHBARNAGAR. It serves the Ahmedabad 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 Vijay Cooperative Bank Limited. The IFSC VCOB0000012 is used to identify this branch on the RBI payments network.

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 Vijay Cooperative Bank Limited's AKHABARNAGAR branch came to be assigned the code VCOB0000012.

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 VCOB0000012, money simply cannot be routed to the AKHABARNAGAR branch electronically.

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by The Vijay 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 VCOB0000012 and the account number together uniquely identify the Akhabarnagar branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC VCOB0000012

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 VCOB0000012 across all three.

How to use IFSC VCOB0000012 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to The Vijay Cooperative Bank Limited's AKHABARNAGAR 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 VCOB0000012.
4. Confirm the bank name auto-populates as The Vijay Cooperative Bank Limited and the branch as AKHABARNAGAR.
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 AKHABARNAGAR

If you need to transfer ₹2 lakh or more in one go to an account at The Vijay Cooperative Bank Limited's AKHABARNAGAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC VCOB0000012 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to The Vijay Cooperative Bank Limited – AKHABARNAGAR, use IMPS. With IFSC VCOB0000012 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 VCOB0000012 for The Vijay Cooperative Bank Limited – AKHABARNAGAR, 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 Akhabarnagar 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 VCOB0000012

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 Vijay Cooperative Bank Limited – AKHABARNAGAR is still mapped to IFSC VCOB0000012. 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 VCOB0000012 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Akhabarnagar branch is mapped to IFSC VCOB0000012 on the RBI payments network. The branch generally supports the full retail product catalogue of The Vijay 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 VCOB0000012.

Products and services

Customers walking into the Akhabarnagar branch can access most of The Vijay 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 VCOB0000012

Online banking and IFSC VCOB0000012

The Vijay Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the AKHABARNAGAR 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 VCOB0000012 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 Akhabarnagar branch sits at 1,FIRST FLOOR,SWENI COMPLEX,OPP RONAK PARK SOCIETY,NEAR AKHBARNAGAR. If you are travelling from outside Ahmedabad, search for the branch on a maps application using the bank name and locality, or call 79-27643604 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 VCOB0000012 and your account number.

Common mistakes to avoid when using IFSC VCOB0000012

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 Vijay Cooperative Bank Limited – AKHABARNAGAR, 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: VCOB0000012.
• 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 Akhabarnagar branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC VCOB0000012, however, work 24x7.

Verifying IFSC VCOB0000012 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 VCOB0000012 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 79-27643604.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Summary

The IFSC code VCOB0000012 belongs to The Vijay Cooperative Bank Limited's AKHABARNAGAR branch, located at 1,FIRST FLOOR,SWENI COMPLEX,OPP RONAK PARK SOCIETY,NEAR AKHBARNAGAR in AHMEDABAD, GUJARAT. 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.