IFSC Code of Almora Urban Cooperative Bank Limited, Dhek Ji Complex, Lohaghat Branch, Uttarakhand

This page lists the IFSC code, branch address, contact number and fund-transfer information for Almora Urban Cooperative Bank Limited, DHEK JI COMPLEX, LOHAGHAT branch in LOHAGHAT. The 11-digit IFSC AUCB0000023 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 DHEK JI COMPLEX, LOHAGHAT 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.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For Almora Urban Cooperative Bank Limited's DHEK JI COMPLEX, LOHAGHAT branch, the IFSC AUCB0000023 breaks down as follows: AUCB identifies the bank, 0 is the reserved character, and 000023 identifies this particular branch.

About Almora Urban Cooperative Bank Limited

Almora Urban Cooperative Bank Limited operates a wide network of branches across India, including the Dhek Ji Complex, Lohaghat branch in Lohaghat. 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, AUCB0000023.

Branch details at a glance

About this branch

The branch is located at DHEK JI COMPLEX, KHARI BAZAR, LOHAGHAT. It serves the Lohaghat 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 AUCB0000023 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 DHEK JI COMPLEX, LOHAGHAT of Almora Urban Cooperative Bank Limited — its own 11-character IFSC. The code AUCB0000023 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 AUCB0000023 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 Dhek Ji Complex, Lohaghat branch is mapped to IFSC AUCB0000023 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 AUCB0000023.

Banking services available

The Dhek Ji Complex, Lohaghat branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 5965-235477.

• 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 AUCB0000023

How to transfer money using IFSC AUCB0000023

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 AUCB0000023 across all three.

NEFT to Almora Urban Cooperative Bank Limited, DHEK JI COMPLEX, LOHAGHAT using IFSC AUCB0000023

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 AUCB0000023, and confirm that the system picks up Almora Urban Cooperative Bank Limited – DHEK JI COMPLEX, LOHAGHAT. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC AUCB0000023

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 – DHEK JI COMPLEX, LOHAGHAT, ensure your bank's portal accepts IFSC AUCB0000023 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 – DHEK JI COMPLEX, LOHAGHAT, use IMPS. With IFSC AUCB0000023 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 AUCB0000023 for Almora Urban Cooperative Bank Limited – DHEK JI COMPLEX, LOHAGHAT, 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 Dhek Ji Complex, Lohaghat 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 DHEK JI COMPLEX, LOHAGHAT branch, the IFSC AUCB0000023 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 Dhek Ji Complex, Lohaghat 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 AUCB0000023 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 & cheque-truncation details

Cheques drawn on the Dhek Ji Complex, Lohaghat branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC AUCB0000023 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Common mistakes to avoid when using IFSC AUCB0000023

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 – DHEK JI COMPLEX, LOHAGHAT, 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: AUCB0000023.
• 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.

How to reach the Dhek Ji Complex, Lohaghat branch

The branch is located at DHEK JI COMPLEX, KHARI BAZAR, LOHAGHAT, which puts it inside Lohaghat, the broader Champawat district, and the state of Uttarakhand. To plan your visit:

1. Open Google Maps on your phone and search for “Almora Urban Cooperative Bank Limited Dhek Ji Complex, Lohaghat branch” — the verified location pin for IFSC AUCB0000023 should appear at the top of the results.
2. Confirm the branch is open by calling 5965-235477 before stepping out, especially around public holidays.
3. Carry photo ID and any account-related documents you may need for the transaction you plan to do.

Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC AUCB0000023 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC AUCB0000023 for Almora Urban Cooperative Bank Limited – DHEK JI COMPLEX, LOHAGHAT, 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 Dhek Ji Complex, Lohaghat 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 AUCB0000023 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code AUCB0000023 belongs to Almora Urban Cooperative Bank Limited's DHEK JI COMPLEX, LOHAGHAT branch, located at DHEK JI COMPLEX, KHARI BAZAR, LOHAGHAT in LOHAGHAT, 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.