IFSC Code of The Vijay Cooperative Bank Limited, Naroda Road Branch, Gujarat

This page lists the IFSC code, branch address, contact number and fund-transfer information for The Vijay Cooperative Bank Limited, NARODA ROAD branch in AHMEDABAD. The 11-digit IFSC VCOB0000002 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with The Vijay Cooperative Bank Limited at the NARODA ROAD location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this 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 Vijay Cooperative Bank Limited – NARODA ROAD is VCOB0000002. The first four letters VCOB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000002 map to this branch in AHMEDABAD, GUJARAT.

Branch details at a glance

About The Vijay Cooperative Bank Limited

The Vijay Cooperative Bank Limited operates a wide network of branches across India, including the Naroda Road 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, VCOB0000002.

Naroda Road branch overview

Located at NR.FRUIT MARKET,VIJAY MILLS,NARODA ROAD, the Naroda 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 VCOB0000002 is required for all interbank electronic transfers routed through this branch.

Why every The Vijay 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 NARODA ROAD of The Vijay Cooperative Bank Limited — its own 11-character IFSC. The code VCOB0000002 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 VCOB0000002 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 VCOB0000002

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 VCOB0000002 across all three.

How to use IFSC VCOB0000002 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 NARODA 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 VCOB0000002.
4. Confirm the bank name auto-populates as The Vijay Cooperative Bank Limited and the branch as NARODA ROAD.
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 NARODA ROAD

If you need to transfer ₹2 lakh or more in one go to an account at The Vijay Cooperative Bank Limited's NARODA ROAD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC VCOB0000002 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 – NARODA ROAD, use IMPS. With IFSC VCOB0000002 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 VCOB0000002 for The Vijay Cooperative Bank Limited – NARODA ROAD, 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 Naroda Road 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 Vijay Cooperative Bank Limited's NARODA ROAD branch, the IFSC VCOB0000002 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 Naroda Road branch is mapped to IFSC VCOB0000002 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 VCOB0000002.

Banking services available

The Naroda Road branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 79-22200979.

• 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 VCOB0000002

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 VCOB0000002 and the account number together uniquely identify the Naroda Road branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC VCOB0000002

The Vijay Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the NARODA 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 VCOB0000002 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.

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 Vijay Cooperative Bank Limited – NARODA ROAD:

• The IFSC is exactly VCOB0000002 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills The Vijay Cooperative Bank Limited as the bank name and NARODA 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.

How to reach the Naroda Road branch

The branch is located at NR.FRUIT MARKET,VIJAY MILLS,NARODA ROAD, which puts it inside Ahmedabad, the broader Ahmedabad district, and the state of Gujarat. To plan your visit:

1. Open Google Maps on your phone and search for “The Vijay Cooperative Bank Limited Naroda Road branch” — the verified location pin for IFSC VCOB0000002 should appear at the top of the results.
2. Confirm the branch is open by calling 79-22200979 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 VCOB0000002 and your account number.

Verifying IFSC VCOB0000002 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 VCOB0000002 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 79-22200979.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Naroda Road 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 VCOB0000002 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: VCOB0000002 is the IFSC code of The Vijay Cooperative Bank Limited, NARODA ROAD branch, in AHMEDABAD, GUJARAT. 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.