State Transport Co Operative Bank State Transport Coop Bank Kalyan IFSC Code
State Transport Co Operative Bank
IFSC · Used for NEFT, IMPS & RTGS
MICR · Used for Cheque Clearance
Branch
State Transport Coop Bank Kalyan
District
Kalyan
State
Maharashtra
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Frequently Asked Questions
About State Transport Co Operative Bank State Transport Coop Bank Kalyan (s T Depot Kalyan W - 0314), Kalyan
The IFSC code MDCB0680314 (lowercase: mdcb0680314) belongs to State Transport Co Operative Bank, specifically the State Transport Coop Bank Kalyan (s T Depot Kalyan W - 0314) branch located in Kalyan, Maharashtra.
The 5th character in the IFSC code MDCB0680314 is a zero (0), not the letter 'O'. The correct format is MDCB0680314 (lowercase: mdcb0680314), and not MDCBO680314. According to RBI guidelines, the fifth character of all IFSC codes is reserved as a zero.
The IFSC code of State Transport Co Operative Bank State Transport Coop Bank Kalyan (s T Depot Kalyan W - 0314) in Kalyan, Maharashtra is MDCB0680314. This 11-character code is required for all NEFT, RTGS and IMPS electronic fund transfers to this branch.
State Transport Co Operative Bank State Transport Coop Bank Kalyan (s T Depot Kalyan W - 0314) is located at S T Depot Kalyan W,kalyan,dist Thane 421301, Kalyan, Maharashtra. You can click the "View on Google Maps" button on this page to get directions.
The MICR (Magnetic Ink Character Recognition) code of State Transport Co Operative Bank State Transport Coop Bank Kalyan (s T Depot Kalyan W - 0314) is 400068314. MICR codes are used for cheque processing and are printed at the bottom of cheque leaves in magnetic ink.
Yes. IFSC code MDCB0680314 is valid for all three RBI-regulated transfer modes: NEFT (settled in 30-minute batches, no minimum), RTGS (real-time, minimum ₹2 lakh), and IMPS (instant, up to ₹5 lakh). All modes are available 24×7×365 as per RBI guidelines issued in December 2019.
You can verify IFSC code MDCB0680314 by checking: (1) The top-left corner of any State Transport Co Operative Bank State Transport Coop Bank Kalyan (s T Depot Kalyan W - 0314) cheque leaf, (2) The first page of your State Transport Co Operative Bank passbook, (3) Your net banking or mobile banking app under "Branch Details", or (4) The RBI's official IFSC lookup at rbi.org.in.
Understanding IFSC Code: MDCB0680314
Decoded structure — 4 + 1 + 6 characters
Visual Breakdown
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MDCB0680314
What Each Part Means
- Bank Code — MDCB
- The first 4 characters uniquely identify State Transport Co Operative Bank at the national level. Every branch of State Transport Co Operative Bank across all states shares this same prefix. It is assigned by the RBI and never changes.
- Reserved — 0
- The 5th character is always 0 (zero), reserved by the RBI for future use. It acts as a separator between the bank identifier and the branch-specific code and is mandatory in all electronic fund transfer systems.
- Branch Code — 680314
- The final 6 characters 680314 uniquely identify this specific branch within the State Transport Co Operative Bank network. No two branches share the same branch code. Use this code to verify you have the correct branch before initiating any NEFT, RTGS, or IMPS transfer.
| Segment | Chars | Value | Purpose |
|---|---|---|---|
| Bank Code | 1–4 | MDCB | Identifies State Transport Co Operative Bank |
| Reserved | 5 | 0 | RBI reserved (always 0) |
| Branch Code | 6–11 | 680314 | Unique to this branch |
Where to Find IFSC & MICR on Your Cheque
Interactive cheque leaf mockup — highlighted fields show live values from this branch
Swipe left to view full cheque
State Transport Co Operative Bank
State Transport Coop Bank Kalyan (s T Depot Kalyan W - 0314), Kalyan, Maharashtra
Cheque No.
00680314
A/c No.
Authorised Signatory
IFSC vs MICR — Functional Comparison
Two different codes, two different banking systems
| Feature | IFSC Code | MICR Code |
|---|---|---|
| Full Form | Indian Financial System Code | Magnetic Ink Character Recognition |
| Length & Format | 11 characters — alphanumeric | 9 digits — numeric only |
| This Branch | MDCB0680314 | 400068314 |
| Primary Use | Electronic fund transfers: NEFT, RTGS, IMPS, UPI | Physical cheque clearing at clearing houses |
| Medium | Digital / online — no physical document needed | Printed in magnetic ink on cheque leaf bottom band |
| Processing Speed | Real-time (IMPS/UPI) or 30-min batches (NEFT) | T+1 or T+2 clearing cycle via RBI clearing houses |
| Where to Find It | Cheque leaf (top area), passbook first page, net banking | Bottom band of cheque leaf (the printed magnetic strip) |
| Assigned By | RBI — permanent unless branch is relocated/merged | RBI — encodes city (3) + bank (3) + branch (3) digits |
| Required For | Adding a payee / beneficiary for online transfer | Cheque book issuance and clearing house processing |
Source: Reserve Bank of India (RBI) Payment Systems Guidelines. IFSC mandatory for NEFT/RTGS/IMPS since 2010; MICR used by CTS-2010 standard cheque clearing.