IFSC Code of IDBI Bank, The Alleppey Urban Cooperative Bank Ltd Branch, Kerala

Below are the complete branch details for IDBI Bank, THE ALLEPPEY URBAN COOPERATIVE BANK LTD branch, located in ALAPPUZHA, KERALA. The IFSC assigned by the Reserve Bank of India to this branch is IBKL0305AUC. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case IBKL0305AUC for IDBI Bank – THE ALLEPPEY URBAN COOPERATIVE BANK LTD — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for IDBI Bank – THE ALLEPPEY URBAN COOPERATIVE BANK LTD is IBKL0305AUC. The first four letters IBKL are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 305AUC map to this branch in ALAPPUZHA, KERALA.

Branch details at a glance

Bank profile

IDBI Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The The Alleppey Urban Cooperative Bank Ltd branch — IFSC IBKL0305AUC — extends the bank's services to customers in and around Alappuzha, Kerala.

About this branch

The branch is located at THE ALLEPPEY URBAN COOPERATVIE BANK LTD,PITCHU IYER JUNCTION,ALAPPUZHA,KERALA 688001. It serves the Alappuzha region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of IDBI Bank. The IFSC IBKL0305AUC is used to identify this branch on the RBI payments network.

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 ALLEPPEY URBAN COOPERATIVE BANK LTD branch came to be assigned the code IBKL0305AUC.

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 IBKL0305AUC, money simply cannot be routed to the THE ALLEPPEY URBAN COOPERATIVE BANK LTD branch electronically.

How to transfer money using IFSC IBKL0305AUC

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 IBKL0305AUC across all three.

NEFT to IDBI Bank, THE ALLEPPEY URBAN COOPERATIVE BANK LTD using IFSC IBKL0305AUC

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 IBKL0305AUC, and confirm that the system picks up IDBI Bank – THE ALLEPPEY URBAN COOPERATIVE BANK LTD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC IBKL0305AUC

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 IDBI Bank – THE ALLEPPEY URBAN COOPERATIVE BANK LTD, ensure your bank's portal accepts IFSC IBKL0305AUC while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to IDBI Bank – THE ALLEPPEY URBAN COOPERATIVE BANK LTD, use IMPS. With IFSC IBKL0305AUC 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 IBKL0305AUC for IDBI Bank – THE ALLEPPEY URBAN COOPERATIVE BANK LTD, 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 The Alleppey Urban Cooperative Bank Ltd 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 IDBI Bank's THE ALLEPPEY URBAN COOPERATIVE BANK LTD branch, the IFSC IBKL0305AUC 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.

Products and account variants supported

Every account opened at the The Alleppey Urban Cooperative Bank Ltd branch is mapped to IFSC IBKL0305AUC on the RBI payments network. The branch generally supports the full retail product catalogue of IDBI Bank, 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 IBKL0305AUC.

Products and services

Customers walking into the The Alleppey Urban Cooperative Bank Ltd branch can access most of IDBI Bank'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 IBKL0305AUC

MICR & cheque-truncation details

Cheques drawn on the The Alleppey Urban Cooperative Bank Ltd branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IBKL0305AUC for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Digital banking channels

Most day-to-day work that customers used to do at the The Alleppey Urban Cooperative 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 IBKL0305AUC 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.

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 ALLEPPEY URBAN COOPERATIVE BANK LTD:

• The IFSC is exactly IBKL0305AUC 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 ALLEPPEY URBAN COOPERATIVE 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.

How to reach the The Alleppey Urban Cooperative Bank Ltd branch

The branch is located at THE ALLEPPEY URBAN COOPERATVIE BANK LTD,PITCHU IYER JUNCTION,ALAPPUZHA,KERALA 688001, which puts it inside Alappuzha, the broader Alapuzha district, and the state of Kerala. To plan your visit:

1. Open Google Maps on your phone and search for “IDBI Bank The Alleppey Urban Cooperative Bank Ltd branch” — the verified location pin for IFSC IBKL0305AUC should appear at the top of the results.
2. Confirm the branch is open by calling 477-2262655 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 IBKL0305AUC and your account number.

Verifying IFSC IBKL0305AUC 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 IBKL0305AUC by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 477-2262655.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at The Alleppey Urban Cooperative 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 IBKL0305AUC continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code IBKL0305AUC belongs to IDBI Bank's THE ALLEPPEY URBAN COOPERATIVE BANK LTD branch, located at THE ALLEPPEY URBAN COOPERATVIE BANK LTD,PITCHU IYER JUNCTION,ALAPPUZHA,KERALA … in ALAPPUZHA, KERALA. 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.