This page lists the IFSC code, branch address, contact number and fund-transfer information for The Zoroastrian Cooperative Bank Limited, branch in . The 11-digit IFSC ZCBL0000003 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 Zoroastrian Cooperative Bank Limited at the 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.
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 Zoroastrian Cooperative Bank Limited's branch, the IFSC ZCBL0000003 breaks down as follows: ZCBL identifies the bank, 0 is the reserved character, and 000003 identifies this particular branch.
About The Zoroastrian Cooperative Bank Limited
The Zoroastrian Cooperative Bank Limited operates a wide network of branches across India, including the branch in . 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, ZCBL0000003.
Branch details at a glance
| Bank Name | The Zoroastrian Cooperative Bank Limited |
|---|---|
| IFSC Code | ZCBL0000003 |
| MICR Code | Refer to cheque leaf |
| Branch Address | YUSUF BUILDING, VEER NARIMAN ROAD, FORT, MUMBAI 400001 |
| State | Maharashtra |
| Phone | 22049074 |
branch overview
Located at YUSUF BUILDING, VEER NARIMAN ROAD, FORT, MUMBAI 400001, the branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC ZCBL0000003 is required for all interbank electronic transfers routed through this branch.
Why every The Zoroastrian 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 of The Zoroastrian Cooperative Bank Limited — its own 11-character IFSC. The code ZCBL0000003 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 ZCBL0000003 the same way you would treat your account number — verify it once and save it carefully for future use.
Products and account variants supported
Every account opened at the branch is mapped to IFSC ZCBL0000003 on the RBI payments network. The branch generally supports the full retail product catalogue of The Zoroastrian 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 ZCBL0000003.
Products and services
Customers walking into the branch can access most of The Zoroastrian 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 ZCBL0000003
How to transfer money using IFSC ZCBL0000003
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 ZCBL0000003 across all three.
NEFT to The Zoroastrian Cooperative Bank Limited, using IFSC ZCBL0000003
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 ZCBL0000003, and confirm that the system picks up The Zoroastrian Cooperative Bank Limited – . Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC ZCBL0000003
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 Zoroastrian Cooperative Bank Limited – , ensure your bank's portal accepts IFSC ZCBL0000003 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to The Zoroastrian Cooperative Bank Limited – , use IMPS. With IFSC ZCBL0000003 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 ZCBL0000003 for The Zoroastrian Cooperative Bank Limited – , 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – ZCBL0000003 | Yes – ZCBL0000003 | Yes – ZCBL0000003 |
For most retail customers crediting the 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 ZCBL0000003
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 Zoroastrian Cooperative Bank Limited – is still mapped to IFSC ZCBL0000003. 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 ZCBL0000003 and the beneficiary's account number to complete the transfer.
Digital banking channels
Most day-to-day work that customers used to do at the 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 ZCBL0000003 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.
MICR code & cheque clearing
Apart from IFSC, every cheque book issued by The Zoroastrian 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 ZCBL0000003 and the account number together uniquely identify the branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
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 Zoroastrian Cooperative Bank Limited – :
- The IFSC is exactly ZCBL0000003 with no extra spaces.
- The beneficiary's account number matches what they shared, digit for digit.
- The portal auto-fills The Zoroastrian Cooperative Bank Limited as the bank name and 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.
Reaching the branch
The branch sits at YUSUF BUILDING, VEER NARIMAN ROAD, FORT, MUMBAI 400001. If you are travelling from outside , search for the branch on a maps application using the bank name and locality, or call 22049074 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 ZCBL0000003 and your account number.
Verifying IFSC ZCBL0000003 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 ZCBL0000003 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 22049074.
- Visiting the bank's official branch locator page.
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 branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC ZCBL0000003, however, work 24x7.
Branch address & contact
The Zoroastrian Cooperative Bank LimitedBranch
YUSUF BUILDING, VEER NARIMAN ROAD, FORT, MUMBAI 400001
, Maharashtra
Phone: 22049074
IFSC: ZCBL0000003
Frequently asked questions
Is IFSC ZCBL0000003 the same for all accounts at branch?
Yes. The IFSC ZCBL0000003 is shared by every account held at The Zoroastrian Cooperative Bank Limited's branch. Only the account number changes from customer to customer.
Is IFSC ZCBL0000003 valid for NEFT and RTGS?
Yes. IFSC ZCBL0000003 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the IFSC code of The Zoroastrian Cooperative Bank Limited branch?
The IFSC code of The Zoroastrian Cooperative Bank Limited, branch is ZCBL0000003. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the branch but serve different purposes.
How do I add The Zoroastrian Cooperative Bank Limited as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC ZCBL0000003, and complete OTP verification. Once activated, you can transfer funds at any time.
Does The Zoroastrian Cooperative Bank Limited branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 22049074 to confirm.
How quickly will an NEFT transfer using ZCBL0000003 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to The Zoroastrian Cooperative Bank Limited – reflect within 30 minutes.
Summary
The IFSC code ZCBL0000003 belongs to The Zoroastrian Cooperative Bank Limited's branch, located at YUSUF BUILDING, VEER NARIMAN ROAD, FORT, MUMBAI 400001 in , 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.
