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

This page lists the IFSC code, branch address, contact number and fund-transfer information for Almora Urban Cooperative Bank Limited, KALADHUNGI ROAD, HALDWANI branch in HALDWANI. The 11-digit IFSC AUCB0000014 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Almora Urban Cooperative Bank Limited at the KALADHUNGI ROAD, HALDWANI location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this 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, AUCB0000014 is the IFSC of Almora Urban Cooperative Bank Limited's KALADHUNGI ROAD, HALDWANI branch. The format is fixed: AUCB = bank code, 0 = reserved, 000014 = branch identifier.

Branch details at a glance

Bank profile

Almora Urban Cooperative Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Kaladhungi Road, Haldwani branch — IFSC AUCB0000014 — extends the bank's services to customers in and around Haldwani, Uttarakhand.

Kaladhungi Road, Haldwani branch overview

Located at KALADHUNGI ROAD, HALDWANI, the Kaladhungi Road, Haldwani branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC AUCB0000014 is required for all interbank electronic transfers routed through this branch.

The role of IFSC in India's payments network

India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how Almora Urban Cooperative Bank Limited's KALADHUNGI ROAD, HALDWANI branch came to be assigned the code AUCB0000014.

Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC AUCB0000014, money simply cannot be routed to the KALADHUNGI ROAD, HALDWANI branch electronically.

How to transfer money using IFSC AUCB0000014

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 AUCB0000014 across all three.

NEFT to Almora Urban Cooperative Bank Limited, KALADHUNGI ROAD, HALDWANI using IFSC AUCB0000014

National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.

To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC AUCB0000014, and confirm that the system picks up Almora Urban Cooperative Bank Limited – KALADHUNGI ROAD, HALDWANI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to KALADHUNGI ROAD, HALDWANI

If you need to transfer ₹2 lakh or more in one go to an account at Almora Urban Cooperative Bank Limited's KALADHUNGI ROAD, HALDWANI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC AUCB0000014 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 – KALADHUNGI ROAD, HALDWANI, use IMPS. With IFSC AUCB0000014 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 AUCB0000014 for Almora Urban Cooperative Bank Limited – KALADHUNGI ROAD, HALDWANI, 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 Kaladhungi Road, Haldwani 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.

How UPI relates to the IFSC code

UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at Almora Urban Cooperative Bank Limited's KALADHUNGI ROAD, HALDWANI branch, the IFSC AUCB0000014 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.

That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.

Products and account variants supported

Every account opened at the Kaladhungi Road, Haldwani branch is mapped to IFSC AUCB0000014 on the RBI payments network. The branch generally supports the full retail product catalogue of Almora Urban Cooperative Bank Limited, including:

• Resident savings accounts and salary accounts
• Current accounts for businesses and professionals
• Fixed deposits, recurring deposits and tax-saver deposits
• Demand drafts, banker's cheques and pay orders
• Retail loans — personal, vehicle, education, gold and home
• Credit cards and overdraft facilities (subject to eligibility)
• Third-party investment products such as mutual funds and insurance (through tie-ups)

Whichever product you choose, the IFSC for incoming credits remains AUCB0000014.

Banking services available

The Kaladhungi Road, Haldwani branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 5946-255144.

• 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 AUCB0000014

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 AUCB0000014 and the account number together uniquely identify the Kaladhungi Road, Haldwani branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC AUCB0000014

Almora Urban Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the KALADHUNGI ROAD, HALDWANI branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC AUCB0000014 is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.

Common mistakes to avoid when using IFSC AUCB0000014

An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to Almora Urban Cooperative Bank Limited – KALADHUNGI ROAD, HALDWANI, double-check for these issues:

• Confusing 0 with O. The fifth character of every IFSC is the digit 0, not the letter O. Read carefully.
• Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters: AUCB0000014.
• Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
• Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
• Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.

Reaching the branch

The Kaladhungi Road, Haldwani branch sits at KALADHUNGI ROAD, HALDWANI. If you are travelling from outside Haldwani, search for the branch on a maps application using the bank name and locality, or call 5946-255144 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 AUCB0000014 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC AUCB0000014 for Almora Urban Cooperative Bank Limited – KALADHUNGI ROAD, HALDWANI, 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.

Branch banking hours and holidays

Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Kaladhungi Road, Haldwani branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC AUCB0000014, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code AUCB0000014 belongs to Almora Urban Cooperative Bank Limited's KALADHUNGI ROAD, HALDWANI branch, located at KALADHUNGI ROAD, HALDWANI in HALDWANI, 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.