Rajnandgaon District Central Co-operative Bank
GANDAI BRANCH
+917743260371
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Understanding IFSC Code: The Digital DNA of Rajnandgaon 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 GANDAI
branch of Rajnandgaon District Central Co-operative Bank, the code RDCB0000012 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 RDCB0000012 Code
An IFSC is an 11-character alphanumeric code. Let's break down the logic behind the code for this specific branch:
Bank Identity
"RDCB" represents Rajnandgaon District Central Co-operative Bank
Control Character
Always '0' (Reserved for future use)
Branch Locator
Unique code for GANDAI
Payment Systems Supported by RDCB0000012
| 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—491853510—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 Rajnandgaon District Central Co-operative Bank in GANDAI typically follows the RBI holiday calendar. Digital transfers via RDCB0000012 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 RDCB0000012 is the valid code for GANDAI at GANDAI, ensure the beneficiary name matches perfectly in your mobile banking app.
Bank Search Indexing & Metadata
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Financial Tools
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Branch Context
- • GANDAI Contact
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Platform Links
- • Anand Design DevBox
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