If you are searching for the IFSC code of Almora Urban Cooperative Bank Limited, KAMALUAGANJA branch in HALDWANI, UTTARAKHAND, this page has every detail you need. The verified IFSC code for this branch is AUCB0000060. 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 KAMALUAGANJA branch, and detailed step-by-step guides for using the IFSC AUCB0000060 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, AUCB0000060 is the IFSC of Almora Urban Cooperative Bank Limited's KAMALUAGANJA branch. The format is fixed: AUCB = bank code, 0 = reserved, 000060 = branch identifier.
Bank profile
Almora Urban Cooperative Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Kamaluaganja branch — IFSC AUCB0000060 — extends the bank's services to customers in and around Haldwani, Uttarakhand.
Branch details at a glance
| Bank Name | Almora Urban Cooperative Bank Limited |
|---|---|
| Branch | Kamaluaganja |
| IFSC Code | AUCB0000060 |
| MICR Code | Refer to cheque leaf |
| Branch Address | KAMALUAGANJA ROAD , HARIPUR NAYAK, HALDWANI PINCODE 263139 |
| City | Haldwani |
| District | Nainital |
| State | Uttarakhand |
About this branch
The branch is located at KAMALUAGANJA ROAD , HARIPUR NAYAK, HALDWANI PINCODE 263139. It serves the Haldwani 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 AUCB0000060 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 KAMALUAGANJA of Almora Urban Cooperative Bank Limited — its own 11-character IFSC. The code AUCB0000060 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 AUCB0000060 the same way you would treat your account number — verify it once and save it carefully for future use.
Products and account variants supported
Every account opened at the Kamaluaganja branch is mapped to IFSC AUCB0000060 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 AUCB0000060.
Products and services
Customers walking into the Kamaluaganja branch can access most of Almora Urban Cooperative Bank Limited's standard product suite, including:
- Account opening – savings, current, NRI, salary
- Term deposits and recurring deposits
- Retail and small-business loans
- Insurance and mutual-fund tie-ups
- Locker, safe deposit and ATM card services
- Online and mobile banking activation
- Electronic transfers via IFSC AUCB0000060
How to transfer money using IFSC AUCB0000060
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 AUCB0000060 across all three.
NEFT to Almora Urban Cooperative Bank Limited, KAMALUAGANJA using IFSC AUCB0000060
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 AUCB0000060, and confirm that the system picks up Almora Urban Cooperative Bank Limited – KAMALUAGANJA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC AUCB0000060
RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to Almora Urban Cooperative Bank Limited – KAMALUAGANJA, ensure your bank's portal accepts IFSC AUCB0000060 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Almora Urban Cooperative Bank Limited – KAMALUAGANJA, use IMPS. With IFSC AUCB0000060 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 AUCB0000060 for Almora Urban Cooperative Bank Limited – KAMALUAGANJA, 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – AUCB0000060 | Yes – AUCB0000060 | Yes – AUCB0000060 |
For most retail customers crediting the Kamaluaganja 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 KAMALUAGANJA branch, the IFSC AUCB0000060 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.
Digital banking channels
Most day-to-day work that customers used to do at the Kamaluaganja 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 AUCB0000060 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 AUCB0000060 and the account number together uniquely identify the Kamaluaganja branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Common mistakes to avoid when using IFSC AUCB0000060
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 – KAMALUAGANJA, 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:
AUCB0000060. - 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 Kamaluaganja branch sits at KAMALUAGANJA ROAD , HARIPUR NAYAK, HALDWANI PINCODE 263139. If you are travelling from outside Haldwani, search for the branch on a maps application using the bank name and locality, or call the branch contact number 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 AUCB0000060 and your account number.
Verifying IFSC AUCB0000060 from official sources
The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm AUCB0000060 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on the branch contact number.
- Visiting the bank's official branch locator page.
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 Kamaluaganja branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC AUCB0000060, however, work 24x7.
Branch address & contact
Almora Urban Cooperative Bank LimitedKamaluaganja Branch
KAMALUAGANJA ROAD , HARIPUR NAYAK, HALDWANI PINCODE 263139
Haldwani, Uttarakhand
Phone: the branch contact number
IFSC: AUCB0000060
Frequently asked questions
Is IFSC AUCB0000060 the same for all accounts at Kamaluaganja branch?
Yes. The IFSC AUCB0000060 is shared by every account held at Almora Urban Cooperative Bank Limited's Kamaluaganja branch. Only the account number changes from customer to customer.
Where is Almora Urban Cooperative Bank Limited Kamaluaganja branch located?
Almora Urban Cooperative Bank Limited's Kamaluaganja branch is located at KAMALUAGANJA ROAD , HARIPUR NAYAK, HALDWANI PINCODE 263139, Haldwani, Uttarakhand.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Kamaluaganja branch but serve different purposes.
How do I add Almora Urban Cooperative Bank Limited Kamaluaganja as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC AUCB0000060, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the phone number of Almora Urban Cooperative Bank Limited Kamaluaganja branch?
You can reach the branch at the branch contact number during regular banking hours.
Is IFSC AUCB0000060 valid for NEFT and RTGS?
Yes. IFSC AUCB0000060 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Summary
The IFSC code AUCB0000060 belongs to Almora Urban Cooperative Bank Limited's KAMALUAGANJA branch, located at KAMALUAGANJA ROAD , HARIPUR NAYAK, HALDWANI PINCODE 263139 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.
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