IFSC Code of IDBI Bank, The Radhasoami Urban Co Operative Bank Ltd Branch, Uttar Pradesh

Use this page as a one-stop reference for everything related to IDBI Bank's THE RADHASOAMI URBAN CO OPERATIVE BANK LTD branch in AGRA, UTTAR PRADESH. The branch's IFSC code IBKL0080RUC 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 IDBI Bank's THE RADHASOAMI URBAN CO OPERATIVE BANK LTD branch, the IFSC IBKL0080RUC breaks down as follows: IBKL identifies the bank, 0 is the reserved character, and 080RUC identifies this particular branch.

About IDBI Bank

IDBI Bank operates a wide network of branches across India, including the The Radhasoami Urban Co Operative Bank Ltd branch in Agra. 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, IBKL0080RUC.

About the The Radhasoami Urban Co Operative Bank Ltd branch

The The Radhasoami Urban Co Operative Bank Ltd branch of IDBI Bank is situated at 6 7 BANK COMPUND DAYAL BAGH AGRA 282005. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code IBKL0080RUC is used.

Branch details at a glance

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 IDBI Bank's THE RADHASOAMI URBAN CO OPERATIVE BANK LTD branch came to be assigned the code IBKL0080RUC.

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 IBKL0080RUC, money simply cannot be routed to the THE RADHASOAMI URBAN CO OPERATIVE BANK LTD branch electronically.

MICR & cheque-truncation details

Cheques drawn on the The Radhasoami Urban Co Operative Bank Ltd branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IBKL0080RUC 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 IBKL0080RUC

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 IBKL0080RUC across all three.

NEFT to IDBI Bank, THE RADHASOAMI URBAN CO OPERATIVE BANK LTD using IFSC IBKL0080RUC

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 IBKL0080RUC, and confirm that the system picks up IDBI Bank – THE RADHASOAMI URBAN CO OPERATIVE BANK LTD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to THE RADHASOAMI URBAN CO OPERATIVE BANK LTD

If you need to transfer ₹2 lakh or more in one go to an account at IDBI Bank's THE RADHASOAMI URBAN CO OPERATIVE BANK LTD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IBKL0080RUC while initiating the transfer and the credit will appear within minutes.

IMPS to IDBI Bank THE RADHASOAMI URBAN CO OPERATIVE BANK LTD (IFSC IBKL0080RUC)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IBKL0080RUC in your mobile or internet banking app, and the money is credited to the THE RADHASOAMI URBAN CO OPERATIVE BANK LTD branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to The Radhasoami Urban Co Operative Bank Ltd

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 IBKL0080RUC:

• 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 THE RADHASOAMI URBAN CO OPERATIVE BANK LTD is still linked to IFSC IBKL0080RUC.

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.

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 IDBI Bank's THE RADHASOAMI URBAN CO OPERATIVE BANK LTD branch, the IFSC IBKL0080RUC 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.

Account types you can open at the The Radhasoami Urban Co Operative Bank Ltd branch

Once you have an account at IDBI Bank – THE RADHASOAMI URBAN CO OPERATIVE BANK LTD, the IFSC IBKL0080RUC 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.

Banking services available

The The Radhasoami Urban Co Operative Bank Ltd branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 562-257006.

• 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 IBKL0080RUC

Digital banking channels

Most day-to-day work that customers used to do at the The Radhasoami Urban Co Operative Bank Ltd 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 IBKL0080RUC 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.

Reaching the branch

The The Radhasoami Urban Co Operative Bank Ltd branch sits at 6 7 BANK COMPUND DAYAL BAGH AGRA 282005. If you are travelling from outside Agra, search for the branch on a maps application using the bank name and locality, or call 562-257006 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 IBKL0080RUC and your account number.

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 IDBI Bank – THE RADHASOAMI URBAN CO OPERATIVE BANK LTD:

• The IFSC is exactly IBKL0080RUC with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills IDBI Bank as the bank name and THE RADHASOAMI URBAN CO OPERATIVE BANK LTD 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.

Working hours

Branch counters at The Radhasoami Urban Co Operative Bank Ltd 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 IBKL0080RUC continue to work without interruption.

Verifying IFSC IBKL0080RUC 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 IBKL0080RUC by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 562-257006.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Summary

The IFSC code IBKL0080RUC belongs to IDBI Bank's THE RADHASOAMI URBAN CO OPERATIVE BANK LTD branch, located at 6 7 BANK COMPUND DAYAL BAGH AGRA 282005 in AGRA, UTTAR PRADESH. 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.