Below are the complete branch details for The Zoroastrian Cooperative Bank Limited, branch, located in , MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is ZCBL0000004. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.
The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case ZCBL0000004 for The Zoroastrian Cooperative Bank Limited – — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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 ZCBL0000004 breaks down as follows: ZCBL identifies the bank, 0 is the reserved character, and 000004 identifies this particular branch.
About the bank
The Zoroastrian Cooperative Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its branch in , Maharashtra is part of this network and uses the IFSC code ZCBL0000004 for all electronic settlement.
Branch details at a glance
| Bank Name | The Zoroastrian Cooperative Bank Limited |
|---|---|
| IFSC Code | ZCBL0000004 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GAMADIA COLONY, TARDEO, MUMBAI 400007 |
| State | Maharashtra |
| Phone | 23517173 |
About the branch
The branch of The Zoroastrian Cooperative Bank Limited is situated at GAMADIA COLONY, TARDEO, MUMBAI 400007. 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 ZCBL0000004 is used.
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 ZCBL0000004 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 ZCBL0000004 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 ZCBL0000004 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 ZCBL0000004.
Banking services available
The branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 23517173.
- 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 ZCBL0000004
How to transfer money using IFSC ZCBL0000004
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 ZCBL0000004 across all three.
How to use IFSC ZCBL0000004 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to The Zoroastrian Cooperative Bank Limited's 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC ZCBL0000004.
- Confirm the bank name auto-populates as The Zoroastrian Cooperative Bank Limited and the branch as .
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC ZCBL0000004
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 ZCBL0000004 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 ZCBL0000004 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
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 ZCBL0000004:
- 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 is still linked to IFSC ZCBL0000004.
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.
UPI payments and IFSC ZCBL0000004
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 ZCBL0000004. 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 ZCBL0000004 and the beneficiary's account number to complete the transfer.
Online banking and IFSC ZCBL0000004
The Zoroastrian Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the 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 ZCBL0000004 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.
MICR & cheque-truncation details
Cheques drawn on the branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC ZCBL0000004 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Common mistakes to avoid when using IFSC ZCBL0000004
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 Zoroastrian Cooperative Bank Limited – , 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:
ZCBL0000004. - 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 branch
The branch is located at GAMADIA COLONY, TARDEO, MUMBAI 400007, which puts it inside , the broader district, and the state of Maharashtra. To plan your visit:
- Open Google Maps on your phone and search for “The Zoroastrian Cooperative Bank Limited branch” — the verified location pin for IFSC ZCBL0000004 should appear at the top of the results.
- Confirm the branch is open by calling 23517173 before stepping out, especially around public holidays.
- 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 ZCBL0000004 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC ZCBL0000004 for The Zoroastrian Cooperative Bank Limited – , 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.
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 ZCBL0000004, however, work 24x7.
Branch address & contact
The Zoroastrian Cooperative Bank LimitedBranch
GAMADIA COLONY, TARDEO, MUMBAI 400007
, Maharashtra
Phone: 23517173
IFSC: ZCBL0000004
Frequently asked questions
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 ZCBL0000004, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC ZCBL0000004 valid for NEFT and RTGS?
Yes. IFSC ZCBL0000004 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Is IFSC ZCBL0000004 the same for all accounts at branch?
Yes. The IFSC ZCBL0000004 is shared by every account held at The Zoroastrian Cooperative Bank Limited's branch. Only the account number changes from customer to customer.
Does The Zoroastrian Cooperative Bank Limited branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 23517173 to confirm.
What is the phone number of The Zoroastrian Cooperative Bank Limited branch?
You can reach the branch at 23517173 during regular banking hours.
What is the IFSC code of The Zoroastrian Cooperative Bank Limited branch?
The IFSC code of The Zoroastrian Cooperative Bank Limited, branch is ZCBL0000004. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Final notes
To recap: ZCBL0000004 is the IFSC code of The Zoroastrian Cooperative Bank Limited, branch, in , 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.
