Zoroastrian Co Operative Bank Ved Katargam IFSC Code
Zoroastrian Co Operative Bank
IFSC · Used for NEFT, IMPS & RTGS
MICR · This branch may not process cheques.
Branch
Ved Katargam
District
Surat
State
Gujarat
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Frequently Asked Questions
About Zoroastrian Co Operative Bank Ved Katargam (katargam Singanpor(ved) Road - 0108), Surat
The IFSC code ZCBL0000108 (lowercase: zcbl0000108) belongs to Zoroastrian Co Operative Bank, specifically the Ved Katargam (katargam Singanpor(ved) Road - 0108) branch located in Surat, Gujarat.
The 5th character in the IFSC code ZCBL0000108 is a zero (0), not the letter 'O'. The correct format is ZCBL0000108 (lowercase: zcbl0000108), and not ZCBLO000108. According to RBI guidelines, the fifth character of all IFSC codes is reserved as a zero.
The IFSC code of Zoroastrian Co Operative Bank Ved Katargam (katargam Singanpor(ved) Road - 0108) in Surat, Gujarat is ZCBL0000108. This 11-character code is required for all NEFT, RTGS and IMPS electronic fund transfers to this branch.
Zoroastrian Co Operative Bank Ved Katargam (katargam Singanpor(ved) Road - 0108) is located at 24, Ground Floor, Parth, Katargam Singanpor(ved) Road, Surat 395004, 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 Ved Katargam (katargam Singanpor(ved) Road - 0108) 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 ZCBL0000108 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 ZCBL0000108 by checking: (1) The top-left corner of any Zoroastrian Co Operative Bank Ved Katargam (katargam Singanpor(ved) Road - 0108) 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: ZCBL0000108
Decoded structure — 4 + 1 + 6 characters
Visual Breakdown
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ZCBL0000108
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 — 000108
- The final 6 characters 000108 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 | 000108 | Unique to this branch |
Where to Find IFSC & MICR on Your Cheque
Interactive cheque leaf mockup — highlighted fields show live values from this branch
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Zoroastrian Co Operative Bank
Ved Katargam (katargam Singanpor(ved) Road - 0108), Surat, Gujarat
Cheque No.
00000108
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 | ZCBL0000108 | 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.