Use this page as a one-stop reference for everything related to IDBI Bank's KHORDHA CENTRAL CO OPERATIVE BANK LTD branch in BALIPATNA, ODISHA. The branch's IFSC code IBKL042KC18 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.
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 – KHORDHA CENTRAL CO OPERATIVE BANK LTD is IBKL042KC18. The first four letters IBKL are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 42KC18 map to this branch in BALIPATNA, ODISHA.
Branch details at a glance
| Bank Name | IDBI Bank |
|---|---|
| Branch | Khordha Central Co Operative Bank Ltd |
| IFSC Code | IBKL042KC18 |
| MICR Code | Refer to cheque leaf |
| Branch Address | AT PO BALIPATNA |
| City | Balipatna |
| District | Khurda |
| State | Odisha |
| STD Code | 674 |
| Phone | 2462216 |
Bank profile
IDBI Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Khordha Central Co Operative Bank Ltd branch — IFSC IBKL042KC18 — extends the bank's services to customers in and around Balipatna, Odisha.
About this branch
The branch is located at AT PO BALIPATNA. It serves the Balipatna 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 IBKL042KC18 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 KHORDHA CENTRAL CO OPERATIVE BANK LTD branch came to be assigned the code IBKL042KC18.
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 IBKL042KC18, money simply cannot be routed to the KHORDHA CENTRAL CO OPERATIVE BANK LTD branch electronically.
How to transfer money using IFSC IBKL042KC18
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 IBKL042KC18 across all three.
NEFT to IDBI Bank, KHORDHA CENTRAL CO OPERATIVE BANK LTD using IFSC IBKL042KC18
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 IBKL042KC18, and confirm that the system picks up IDBI Bank – KHORDHA CENTRAL 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 KHORDHA CENTRAL CO OPERATIVE BANK LTD
If you need to transfer ₹2 lakh or more in one go to an account at IDBI Bank's KHORDHA CENTRAL CO OPERATIVE BANK LTD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IBKL042KC18 while initiating the transfer and the credit will appear within minutes.
IMPS to IDBI Bank KHORDHA CENTRAL CO OPERATIVE BANK LTD (IFSC IBKL042KC18)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IBKL042KC18 in your mobile or internet banking app, and the money is credited to the KHORDHA CENTRAL CO OPERATIVE BANK LTD branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IBKL042KC18 for IDBI Bank – KHORDHA CENTRAL CO OPERATIVE 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – IBKL042KC18 | Yes – IBKL042KC18 | Yes – IBKL042KC18 |
For most retail customers crediting the Khordha Central Co Operative 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.
UPI payments and IFSC IBKL042KC18
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 IDBI Bank – KHORDHA CENTRAL CO OPERATIVE BANK LTD is still mapped to IFSC IBKL042KC18. 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 IBKL042KC18 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Khordha Central Co Operative Bank Ltd branch is mapped to IFSC IBKL042KC18 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 IBKL042KC18.
Products and services
Customers walking into the Khordha Central Co Operative 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 IBKL042KC18
MICR code & cheque clearing
Apart from IFSC, every cheque book issued by IDBI Bank carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC IBKL042KC18 and the account number together uniquely identify the Khordha Central Co Operative Bank Ltd branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Digital banking channels
Most day-to-day work that customers used to do at the Khordha Central 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 IBKL042KC18 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 – KHORDHA CENTRAL CO OPERATIVE BANK LTD:
- The IFSC is exactly IBKL042KC18 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 KHORDHA CENTRAL 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.
Reaching the branch
The Khordha Central Co Operative Bank Ltd branch sits at AT PO BALIPATNA. If you are travelling from outside Balipatna, search for the branch on a maps application using the bank name and locality, or call 674-2462216 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 IBKL042KC18 and your account number.
Verifying IFSC IBKL042KC18 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 IBKL042KC18 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 674-2462216.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Khordha Central 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 IBKL042KC18 continue to work without interruption.
Branch address & contact
IDBI BankKhordha Central Co Operative Bank Ltd Branch
AT PO BALIPATNA
Balipatna, Odisha
Phone: 674-2462216
IFSC: IBKL042KC18
Frequently asked questions
Is IFSC IBKL042KC18 the same for all accounts at Khordha Central Co Operative Bank Ltd branch?
Yes. The IFSC IBKL042KC18 is shared by every account held at IDBI Bank's Khordha Central Co Operative Bank Ltd branch. Only the account number changes from customer to customer.
How quickly will an NEFT transfer using IBKL042KC18 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to IDBI Bank – Khordha Central Co Operative Bank Ltd reflect within 30 minutes.
What is the phone number of IDBI Bank Khordha Central Co Operative Bank Ltd branch?
You can reach the branch at 674-2462216 during regular banking hours.
How do I add IDBI Bank Khordha Central Co Operative Bank Ltd as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IBKL042KC18, and complete OTP verification. Once activated, you can transfer funds at any time.
Does IDBI Bank Khordha Central Co Operative Bank Ltd branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 674-2462216 to confirm.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Khordha Central Co Operative Bank Ltd branch but serve different purposes.
Can I use IFSC IBKL042KC18 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IBKL042KC18 to send funds instantly.
Where is IDBI Bank Khordha Central Co Operative Bank Ltd branch located?
IDBI Bank's Khordha Central Co Operative Bank Ltd branch is located at AT PO BALIPATNA, Balipatna, Odisha.
Final notes
To recap: IBKL042KC18 is the IFSC code of IDBI Bank, KHORDHA CENTRAL CO OPERATIVE BANK LTD branch, in BALIPATNA, ODISHA. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.
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