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

This page lists the IFSC code, branch address, contact number and fund-transfer information for The Vijay Cooperative Bank Limited, NAVA NARODA branch in AHMEDABAD. The 11-digit IFSC VCOB0000016 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 NAVA NARODA 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 – NAVA NARODA is VCOB0000016. The first four letters VCOB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000016 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 Nava Naroda 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, VCOB0000016.

About the Nava Naroda branch

The Nava Naroda branch of The Vijay Cooperative Bank Limited is situated at 3-3.MARUTI PARK SOCIETY,SARDAR CHOWK,OPP-MANIBA SCHOOL,NAVA NARODA. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code VCOB0000016 is used.

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 NAVA NARODA of The Vijay Cooperative Bank Limited — its own 11-character IFSC. The code VCOB0000016 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 VCOB0000016 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 VCOB0000016

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 VCOB0000016 across all three.

NEFT to The Vijay Cooperative Bank Limited, NAVA NARODA using IFSC VCOB0000016

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 VCOB0000016, and confirm that the system picks up The Vijay Cooperative Bank Limited – NAVA NARODA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC VCOB0000016

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 Vijay Cooperative Bank Limited – NAVA NARODA, ensure your bank's portal accepts IFSC VCOB0000016 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to The Vijay Cooperative Bank Limited – NAVA NARODA, use IMPS. With IFSC VCOB0000016 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Nava Naroda

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 VCOB0000016:

• 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 NAVA NARODA is still linked to IFSC VCOB0000016.

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.

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 NAVA NARODA branch, the IFSC VCOB0000016 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 Nava Naroda branch is mapped to IFSC VCOB0000016 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 VCOB0000016.

Products and services

Customers walking into the Nava Naroda 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 VCOB0000016

MICR & cheque-truncation details

Cheques drawn on the Nava Naroda branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC VCOB0000016 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Digital banking channels

Most day-to-day work that customers used to do at the Nava Naroda 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 VCOB0000016 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 VCOB0000016

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 – NAVA NARODA, 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: VCOB0000016.
• 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.

Reaching the branch

The Nava Naroda branch sits at 3-3.MARUTI PARK SOCIETY,SARDAR CHOWK,OPP-MANIBA SCHOOL,NAVA NARODA. If you are travelling from outside Ahmedabad, search for the branch on a maps application using the bank name and locality, or call 79-22809556 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 VCOB0000016 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC VCOB0000016 for The Vijay Cooperative Bank Limited – NAVA NARODA, 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.

Working hours

Branch counters at Nava Naroda 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 VCOB0000016 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code VCOB0000016 belongs to The Vijay Cooperative Bank Limited's NAVA NARODA branch, located at 3-3.MARUTI PARK SOCIETY,SARDAR CHOWK,OPP-MANIBA SCHOOL,NAVA NARODA 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.