IFSC Code of Almora Urban Cooperative Bank Limited, Shymapur, Rishikesh Branch, Uttarakhand

This page lists the IFSC code, branch address, contact number and fund-transfer information for Almora Urban Cooperative Bank Limited, SHYMAPUR, RISHIKESH branch in SHYAMPUR. The 11-digit IFSC AUCB0000020 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 SHYMAPUR, RISHIKESH 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 SHYMAPUR, RISHIKESH branch, the IFSC AUCB0000020 breaks down as follows: AUCB identifies the bank, 0 is the reserved character, and 000020 identifies this particular branch.

About the bank

Almora Urban Cooperative Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Shymapur, Rishikesh branch in Shyampur, Uttarakhand is part of this network and uses the IFSC code AUCB0000020 for all electronic settlement.

Branch details at a glance

Shymapur, Rishikesh branch overview

Located at BY-PASS NEAR POLICE CHOWKI , SHYAMPUR, the Shymapur, Rishikesh branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC AUCB0000020 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 SHYMAPUR, RISHIKESH branch came to be assigned the code AUCB0000020.

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 AUCB0000020, money simply cannot be routed to the SHYMAPUR, RISHIKESH branch electronically.

Products and account variants supported

Every account opened at the Shymapur, Rishikesh branch is mapped to IFSC AUCB0000020 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 AUCB0000020.

Products and services

Customers walking into the Shymapur, Rishikesh 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 AUCB0000020

How to transfer money using IFSC AUCB0000020

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 AUCB0000020 across all three.

NEFT to Almora Urban Cooperative Bank Limited, SHYMAPUR, RISHIKESH using IFSC AUCB0000020

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 AUCB0000020, and confirm that the system picks up Almora Urban Cooperative Bank Limited – SHYMAPUR, RISHIKESH. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC AUCB0000020

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 – SHYMAPUR, RISHIKESH, ensure your bank's portal accepts IFSC AUCB0000020 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 – SHYMAPUR, RISHIKESH, use IMPS. With IFSC AUCB0000020 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 AUCB0000020 for Almora Urban Cooperative Bank Limited – SHYMAPUR, RISHIKESH, 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 Shymapur, Rishikesh 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 AUCB0000020

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 – SHYMAPUR, RISHIKESH is still mapped to IFSC AUCB0000020. 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 AUCB0000020 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 Shymapur, Rishikesh 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 AUCB0000020 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 AUCB0000020 and the account number together uniquely identify the Shymapur, Rishikesh 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 – SHYMAPUR, RISHIKESH:

• The IFSC is exactly AUCB0000020 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 SHYMAPUR, RISHIKESH 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.

How to reach the Shymapur, Rishikesh branch

The branch is located at BY-PASS NEAR POLICE CHOWKI , SHYAMPUR, which puts it inside Shyampur, the broader Dehradun 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 Shymapur, Rishikesh branch” — the verified location pin for IFSC AUCB0000020 should appear at the top of the results.
2. Confirm the branch is open by calling 135-2452488 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 AUCB0000020 and your account number.

Verifying IFSC AUCB0000020 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 AUCB0000020 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 135-2452488.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Shymapur, Rishikesh 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 AUCB0000020 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code AUCB0000020 belongs to Almora Urban Cooperative Bank Limited's SHYMAPUR, RISHIKESH branch, located at BY-PASS NEAR POLICE CHOWKI , SHYAMPUR in SHYAMPUR, 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.