Zoroastrian Co Operative Bank Citylight IFSC Code
Zoroastrian Co Operative Bank
IFSC · Used for NEFT, IMPS & RTGS
MICR · This branch may not process cheques.
Branch
Citylight
District
Surat
State
Gujarat
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Other Zoroastrian Co Operative Bank Branches in Surat
4 nearby branches — click to view IFSC
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Abhishek Market (market Ring Road Surat 39500 - 0103)
1, Balaji Market, Ring Road, Surat 395002
Patel Park (tadwadi Rander Road Surat 39 - 0104)
11, Patel Park, Tadwadi, Rander Road, Surat 395009
Udhna Magdalla (udhna Magdalla Road Surat 39 - 0105)
11, City Center, Udhna Magdalla Road, Surat 395007
Frequently Asked Questions
About Zoroastrian Co Operative Bank Citylight (- Light Road Surat 395007 - 0106), Surat
The IFSC code ZCBL0000106 (lowercase: zcbl0000106) belongs to Zoroastrian Co Operative Bank, specifically the Citylight (- Light Road Surat 395007 - 0106) branch located in Surat, Gujarat.
The 5th character in the IFSC code ZCBL0000106 is a zero (0), not the letter 'O'. The correct format is ZCBL0000106 (lowercase: zcbl0000106), and not ZCBLO000106. According to RBI guidelines, the fifth character of all IFSC codes is reserved as a zero.
The IFSC code of Zoroastrian Co Operative Bank Citylight (- Light Road Surat 395007 - 0106) in Surat, Gujarat is ZCBL0000106. This 11-character code is required for all NEFT, RTGS and IMPS electronic fund transfers to this branch.
Zoroastrian Co Operative Bank Citylight (- Light Road Surat 395007 - 0106) is located at Ug-14, Hira Panna, Shopping Mall, City, - Light Road, Surat 395007, Surat, Gujarat. You can click the "View on Google Maps" button on this page to get directions.
The MICR code for Zoroastrian Co Operative Bank Citylight (- Light Road Surat 395007 - 0106) in Surat is printed at the bottom of your cheque leaf. If you cannot locate it, contact your branch directly or check your passbook.
Yes. IFSC code ZCBL0000106 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 ZCBL0000106 by checking: (1) The top-left corner of any Zoroastrian Co Operative Bank Citylight (- Light Road Surat 395007 - 0106) cheque leaf, (2) The first page of your Zoroastrian 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: ZCBL0000106
Decoded structure — 4 + 1 + 6 characters
Visual Breakdown
Swipe to see all
ZCBL0000106
What Each Part Means
- Bank Code — ZCBL
- The first 4 characters uniquely identify Zoroastrian Co Operative Bank at the national level. Every branch of Zoroastrian 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 — 000106
- The final 6 characters 000106 uniquely identify this specific branch within the Zoroastrian 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 | ZCBL | Identifies Zoroastrian Co Operative Bank |
| Reserved | 5 | 0 | RBI reserved (always 0) |
| Branch Code | 6–11 | 000106 | 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
Zoroastrian Co Operative Bank
Citylight (- Light Road Surat 395007 - 0106), Surat, Gujarat
Cheque No.
00000106
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 | ZCBL0000106 | Not available |
| 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.