Mumbai District Central Co-operative Bank
MAHIM BRANCH
+918976754221
Understanding IFSC Code: The Digital DNA of Mumbai District Central Co-operative Bank
When performing any digital transaction in India, the Indian Financial System Code
(IFSC) acts as a critical identifier. For the MAHIM
branch of Mumbai District Central Co-operative Bank, the code MDCB0680021 ensures
that your funds are routed through the Reserve Bank of India's (RBI) structured network without manual
errors. In an era of instant payments, having the correct IFSC is as important as the account number
itself.
Anatomy of the MDCB0680021 Code
An IFSC is an 11-character alphanumeric code. Let's break down the logic behind the code for this specific branch:
Bank Identity
"MDCB" represents Mumbai District Central Co-operative Bank
Control Character
Always '0' (Reserved for future use)
Branch Locator
Unique code for MAHIM
Payment Systems Supported by MDCB0680021
| System | Transfer Limit | Processing Time |
|---|---|---|
| NEFT | No Minimum (Up to ₹50 Lakhs+) | Half-hourly batches (24x7) |
| RTGS | Minimum ₹2 Lakhs | Real-time settlement |
| IMPS | Up to ₹5 Lakhs | Instant (Mobile/P2P) |
Why do you need the MICR Code?
While IFSC is for digital transfers, the Magnetic Ink Character Recognition
(MICR) code—400068021—is primarily
used for the processing and clearance of physical cheques. This 9-digit code helps in
identifying the bank and branch during the Cheque Truncation System (CTS) cycle, making clearing
faster and error-free.
Bank Holidays & Availability
The Mumbai District Central Co-operative Bank in MUMBAI typically follows the RBI holiday calendar. Digital transfers via MDCB0680021 for NEFT/RTGS are now available 365 days a year, regardless of physical branch timings or Sunday closures.
Security Warning & Verification
Always verify the branch details before making a large payment. While MDCB0680021 is the valid code for MAHIM at MUMBAI, ensure the beneficiary name matches perfectly in your mobile banking app.
Bank Search Indexing & Metadata
Related Searches
- • Mumbai District Central Co-operative Bank Branch List
- • MUMBAI IFSC Codes
- • Swift Code for Mumbai District Central Co-operative Bank
- • Bank Holiday in MAHARASHTRA
Financial Tools
- • GST Calculator Online
- • Personal Loan EMI Calc
- • FD Interest Rates 2026
- • Currency Converter
Branch Context
- • MAHIM Contact
- • Address of Mumbai District Central Co-operative Bank
- • MICR Code Finder
- • MAHARASHTRA Banking Circle
Platform Links
- • Anand Design DevBox
- • SEO Performance Hub
- • Webmaster Tools
- • IFSC Finder v2.0
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