Use this page as a one-stop reference for everything related to The Zoroastrian Cooperative Bank Limited's branch in , MAHARASHTRA. The branch's IFSC code ZCBL0000012 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.
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, ZCBL0000012 is the IFSC of The Zoroastrian Cooperative Bank Limited's branch. The format is fixed: ZCBL = bank code, 0 = reserved, 000012 = branch identifier.
Branch details at a glance
| Bank Name | The Zoroastrian Cooperative Bank Limited |
|---|---|
| IFSC Code | ZCBL0000012 |
| MICR Code | Refer to cheque leaf |
| Branch Address | RUSTOMJEE INTERNATIONAL SCHOOL, RUSTOMJEE ACRES, DAHISAR (W), MUMBAI 400068 |
| State | Maharashtra |
| Phone | 28946771 |
Bank profile
The Zoroastrian Cooperative Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The branch — IFSC ZCBL0000012 — extends the bank's services to customers in and around , Maharashtra.
About this branch
The branch is located at RUSTOMJEE INTERNATIONAL SCHOOL, RUSTOMJEE ACRES, DAHISAR (W), MUMBAI 400068. It serves the 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 Zoroastrian Cooperative Bank Limited. The IFSC ZCBL0000012 is used to identify this branch on the RBI payments network.
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 Zoroastrian Cooperative Bank Limited's branch came to be assigned the code ZCBL0000012.
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 ZCBL0000012, money simply cannot be routed to the branch electronically.
How to transfer money using IFSC ZCBL0000012
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 ZCBL0000012 across all three.
How to use IFSC ZCBL0000012 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 ZCBL0000012.
- 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.
Real-Time Gross Settlement to
If you need to transfer ₹2 lakh or more in one go to an account at The Zoroastrian Cooperative Bank Limited's branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC ZCBL0000012 while initiating the transfer and the credit will appear within minutes.
IMPS to The Zoroastrian Cooperative Bank Limited (IFSC ZCBL0000012)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC ZCBL0000012 in your mobile or internet banking app, and the money is credited to the branch account within seconds.
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 ZCBL0000012:
- 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 ZCBL0000012.
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 Zoroastrian Cooperative Bank Limited's branch, the IFSC ZCBL0000012 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 branch is mapped to IFSC ZCBL0000012 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 ZCBL0000012.
Banking services available
The branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 28946771.
- 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 ZCBL0000012
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 ZCBL0000012 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.
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 ZCBL0000012 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.
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 ZCBL0000012 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 RUSTOMJEE INTERNATIONAL SCHOOL, RUSTOMJEE ACRES, DAHISAR (W), MUMBAI 400068. If you are travelling from outside , search for the branch on a maps application using the bank name and locality, or call 28946771 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 ZCBL0000012 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC ZCBL0000012 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.
Working hours
Branch counters at 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 ZCBL0000012 continue to work without interruption.
Branch address & contact
The Zoroastrian Cooperative Bank LimitedBranch
RUSTOMJEE INTERNATIONAL SCHOOL, RUSTOMJEE ACRES, DAHISAR (W), MUMBAI 400068
, Maharashtra
Phone: 28946771
IFSC: ZCBL0000012
Frequently asked questions
Is IFSC ZCBL0000012 valid for NEFT and RTGS?
Yes. IFSC ZCBL0000012 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is The Zoroastrian Cooperative Bank Limited branch located?
The Zoroastrian Cooperative Bank Limited's branch is located at RUSTOMJEE INTERNATIONAL SCHOOL, RUSTOMJEE ACRES, DAHISAR (W), MUMBAI 400068, , Maharashtra.
Is IFSC ZCBL0000012 the same for all accounts at branch?
Yes. The IFSC ZCBL0000012 is shared by every account held at The Zoroastrian Cooperative Bank Limited's branch. Only the account number changes from customer to customer.
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 ZCBL0000012, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the IFSC code of The Zoroastrian Cooperative Bank Limited branch?
The IFSC code of The Zoroastrian Cooperative Bank Limited, branch is ZCBL0000012. 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.
Summary
The IFSC code ZCBL0000012 belongs to The Zoroastrian Cooperative Bank Limited's branch, located at RUSTOMJEE INTERNATIONAL SCHOOL, RUSTOMJEE ACRES, DAHISAR (W), MUMBAI 400068 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.
