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

Use this page as a one-stop reference for everything related to Almora Urban Cooperative Bank Limited's KHATIMA ROAD, SITARGANJ branch in SITARGANJ, UTTARAKHAND. The branch's IFSC code AUCB0000013 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

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 KHATIMA ROAD, SITARGANJ branch, the IFSC AUCB0000013 breaks down as follows: AUCB identifies the bank, 0 is the reserved character, and 000013 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 Khatima Road, Sitarganj branch in Sitarganj. 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, AUCB0000013.

Khatima Road, Sitarganj branch overview

Located at KHATIMA ROAD, SITARGANJ, the Khatima Road, Sitarganj branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC AUCB0000013 is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

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 KHATIMA ROAD, SITARGANJ of Almora Urban Cooperative Bank Limited — its own 11-character IFSC. The code AUCB0000013 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 AUCB0000013 the same way you would treat your account number — verify it once and save it carefully for future use.

MICR & cheque-truncation details

Cheques drawn on the Khatima Road, Sitarganj branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC AUCB0000013 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC AUCB0000013

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 AUCB0000013 across all three.

How to use IFSC AUCB0000013 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 KHATIMA ROAD, SITARGANJ 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 AUCB0000013.
4. Confirm the bank name auto-populates as Almora Urban Cooperative Bank Limited and the branch as KHATIMA ROAD, SITARGANJ.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC AUCB0000013

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 – KHATIMA ROAD, SITARGANJ, ensure your bank's portal accepts IFSC AUCB0000013 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 – KHATIMA ROAD, SITARGANJ, use IMPS. With IFSC AUCB0000013 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Khatima Road, Sitarganj

The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC AUCB0000013:

• NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
• RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
• IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
• UPI — best for small peer-to-peer payments using a VPA; the underlying account at KHATIMA ROAD, SITARGANJ is still linked to IFSC AUCB0000013.

For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.

UPI payments and IFSC AUCB0000013

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 – KHATIMA ROAD, SITARGANJ is still mapped to IFSC AUCB0000013. 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 AUCB0000013 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Khatima Road, Sitarganj branch is mapped to IFSC AUCB0000013 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 AUCB0000013.

Products and services

Customers walking into the Khatima Road, Sitarganj 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 AUCB0000013

Online banking and IFSC AUCB0000013

Almora Urban Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the KHATIMA ROAD, SITARGANJ 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 AUCB0000013 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.

How to reach the Khatima Road, Sitarganj branch

The branch is located at KHATIMA ROAD, SITARGANJ, which puts it inside Sitarganj, the broader Udham Singh Nagar 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 Khatima Road, Sitarganj branch” — the verified location pin for IFSC AUCB0000013 should appear at the top of the results.
2. Confirm the branch is open by calling 5948-244848 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 AUCB0000013 and your account number.

Common mistakes to avoid when using IFSC AUCB0000013

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 – KHATIMA ROAD, SITARGANJ, 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: AUCB0000013.
• 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.

Working hours

Branch counters at Khatima Road, Sitarganj 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 AUCB0000013 continue to work without interruption.

Verifying IFSC AUCB0000013 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 AUCB0000013 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 5948-244848.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Summary

The IFSC code AUCB0000013 belongs to Almora Urban Cooperative Bank Limited's KHATIMA ROAD, SITARGANJ branch, located at KHATIMA ROAD, SITARGANJ in SITARGANJ, 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.