IFSC Code of Almora Urban Cooperative Bank Limited, Mall Road, Almora Branch, Uttarakhand

If you are searching for the IFSC code of Almora Urban Cooperative Bank Limited, MALL ROAD, ALMORA branch in ALMORA, UTTARAKHAND, this page has every detail you need. The verified IFSC code for this branch is AUCB0000040. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the MALL ROAD, ALMORA branch, and detailed step-by-step guides for using the IFSC AUCB0000040 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, AUCB0000040 is the IFSC of Almora Urban Cooperative Bank Limited's MALL ROAD, ALMORA branch. The format is fixed: AUCB = bank code, 0 = reserved, 000040 = branch identifier.

About Almora Urban Cooperative Bank Limited

Almora Urban Cooperative Bank Limited operates a wide network of branches across India, including the Mall Road, Almora branch in Almora. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, AUCB0000040.

Branch details at a glance

About this branch

The branch is located at KONARK COMPLEX, MALL ROAD, ALMORA. It serves the Almora region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Almora Urban Cooperative Bank Limited. The IFSC AUCB0000040 is used to identify this branch on the RBI payments network.

Why every Almora Urban Cooperative Bank Limited branch has a unique IFSC

Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including MALL ROAD, ALMORA of Almora Urban Cooperative Bank Limited — its own 11-character IFSC. The code AUCB0000040 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.

Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC AUCB0000040 the same way you would treat your account number — verify it once and save it carefully for future use.

Account types you can open at the Mall Road, Almora branch

Once you have an account at Almora Urban Cooperative Bank Limited – MALL ROAD, ALMORA, the IFSC AUCB0000040 stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

Banking services available

The Mall Road, Almora branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 5962-232323.

• Savings, current and salary accounts
• Fixed deposits and recurring deposits
• Personal, vehicle and home loans
• Demat and investment products (where supported)
• Internet banking and mobile banking enrolment
• Debit and credit card issuance
• Locker facilities (subject to availability)
• Foreign exchange services (at authorised branches)
• Bill payments, demand drafts and pay orders
• NEFT / RTGS / IMPS / UPI fund transfers using IFSC AUCB0000040

How to transfer money using IFSC AUCB0000040

Online transfers in India are powered by three major channels — NEFT, RTGS and IMPS — and each one requires a destination IFSC. Below is a quick guide for using IFSC AUCB0000040 across all three.

How to use IFSC AUCB0000040 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Almora Urban Cooperative Bank Limited's MALL ROAD, ALMORA branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC AUCB0000040.
4. Confirm the bank name auto-populates as Almora Urban Cooperative Bank Limited and the branch as MALL ROAD, ALMORA.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to MALL ROAD, ALMORA

If you need to transfer ₹2 lakh or more in one go to an account at Almora Urban Cooperative Bank Limited's MALL ROAD, ALMORA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC AUCB0000040 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Almora Urban Cooperative Bank Limited – MALL ROAD, ALMORA, use IMPS. With IFSC AUCB0000040 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC AUCB0000040 for Almora Urban Cooperative Bank Limited – MALL ROAD, ALMORA, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.

For most retail customers crediting the Mall Road, Almora branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.

UPI payments and IFSC AUCB0000040

UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at Almora Urban Cooperative Bank Limited – MALL ROAD, ALMORA is still mapped to IFSC AUCB0000040. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.

If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC AUCB0000040 and the beneficiary's account number to complete the transfer.

Digital banking channels

Most day-to-day work that customers used to do at the Mall Road, Almora branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC AUCB0000040 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by Almora Urban Cooperative Bank Limited carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC AUCB0000040 and the account number together uniquely identify the Mall Road, Almora branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Things to verify before sending money

Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to Almora Urban Cooperative Bank Limited – MALL ROAD, ALMORA:

• The IFSC is exactly AUCB0000040 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills Almora Urban Cooperative Bank Limited as the bank name and MALL ROAD, ALMORA as the branch.
• The amount and the purpose of payment are correct.
• You have a valid OTP-verifying mobile number on hand.

A 30-second review here saves hours of reconciliation later.

Reaching the branch

The Mall Road, Almora branch sits at KONARK COMPLEX, MALL ROAD, ALMORA. If you are travelling from outside Almora, search for the branch on a maps application using the bank name and locality, or call 5962-232323 to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC AUCB0000040 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC AUCB0000040 for Almora Urban Cooperative Bank Limited – MALL ROAD, ALMORA, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

Working hours

Branch counters at Mall Road, Almora are usually open from 10 AM to 4 PM on weekdays. Saturdays follow the RBI's alternate-Saturday rule. Even when the branch is closed, NEFT, RTGS, IMPS and UPI transfers addressed to AUCB0000040 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code AUCB0000040 belongs to Almora Urban Cooperative Bank Limited's MALL ROAD, ALMORA branch, located at KONARK COMPLEX, MALL ROAD, ALMORA in ALMORA, UTTARAKHAND. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.