IFSC Code of Almora Urban Cooperative Bank Limited, Kala Road, Srinagar Branch, Uttarakhand

This page lists the IFSC code, branch address, contact number and fund-transfer information for Almora Urban Cooperative Bank Limited, KALA ROAD, SRINAGAR branch in SRINAGAR. The 11-digit IFSC AUCB0000045 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 KALA ROAD, SRINAGAR 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 KALA ROAD, SRINAGAR branch, the IFSC AUCB0000045 breaks down as follows: AUCB identifies the bank, 0 is the reserved character, and 000045 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 Kala Road, Srinagar branch in Srinagar. 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, AUCB0000045.

Branch details at a glance

About this branch

The branch is located at HOTEL COZY,KALA ROAD, SRINAGAR. It serves the Srinagar 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 AUCB0000045 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 KALA ROAD, SRINAGAR of Almora Urban Cooperative Bank Limited — its own 11-character IFSC. The code AUCB0000045 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 AUCB0000045 the same way you would treat your account number — verify it once and save it carefully for future use.

Account types you can open at the Kala Road, Srinagar branch

Once you have an account at Almora Urban Cooperative Bank Limited – KALA ROAD, SRINAGAR, the IFSC AUCB0000045 stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

Products and services

Customers walking into the Kala Road, Srinagar 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 AUCB0000045

How to transfer money using IFSC AUCB0000045

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 AUCB0000045 across all three.

How to use IFSC AUCB0000045 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 KALA ROAD, SRINAGAR 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 AUCB0000045.
4. Confirm the bank name auto-populates as Almora Urban Cooperative Bank Limited and the branch as KALA ROAD, SRINAGAR.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to KALA ROAD, SRINAGAR

If you need to transfer ₹2 lakh or more in one go to an account at Almora Urban Cooperative Bank Limited's KALA ROAD, SRINAGAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC AUCB0000045 while initiating the transfer and the credit will appear within minutes.

IMPS to Almora Urban Cooperative Bank Limited KALA ROAD, SRINAGAR (IFSC AUCB0000045)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC AUCB0000045 in your mobile or internet banking app, and the money is credited to the KALA ROAD, SRINAGAR branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Kala Road, Srinagar

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 AUCB0000045:

• 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 KALA ROAD, SRINAGAR is still linked to IFSC AUCB0000045.

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 AUCB0000045

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 – KALA ROAD, SRINAGAR is still mapped to IFSC AUCB0000045. 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 AUCB0000045 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 Kala Road, Srinagar 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 AUCB0000045 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 Kala Road, Srinagar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC AUCB0000045 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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 – KALA ROAD, SRINAGAR:

• The IFSC is exactly AUCB0000045 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 KALA ROAD, SRINAGAR 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.

Reaching the branch

The Kala Road, Srinagar branch sits at HOTEL COZY,KALA ROAD, SRINAGAR. If you are travelling from outside Srinagar, search for the branch on a maps application using the bank name and locality, or call 1346-250621 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 AUCB0000045 and your account number.

Verifying IFSC AUCB0000045 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 AUCB0000045 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 1346-250621.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Kala Road, Srinagar 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 AUCB0000045 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code AUCB0000045 belongs to Almora Urban Cooperative Bank Limited's KALA ROAD, SRINAGAR branch, located at HOTEL COZY,KALA ROAD, SRINAGAR in SRINAGAR, 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.