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

This page lists the IFSC code, branch address, contact number and fund-transfer information for IDBI Bank, URBAN CO OPERATIVE BANK LTD BAREILLY branch in BAREILLY. The 11-digit IFSC IBKL0232UCB 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 IDBI Bank at the URBAN CO OPERATIVE BANK LTD BAREILLY 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 IDBI Bank's URBAN CO OPERATIVE BANK LTD BAREILLY branch, the IFSC IBKL0232UCB breaks down as follows: IBKL identifies the bank, 0 is the reserved character, and 232UCB identifies this particular branch.

About the bank

IDBI Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Urban Co Operative Bank Ltd Bareilly branch in Bareilly, Uttar Pradesh is part of this network and uses the IFSC code IBKL0232UCB for all electronic settlement.

Branch details at a glance

About this branch

The branch is located at BLOCK A DEEN DAYAL PURAM BAREILLY, PIN CODE 243122. It serves the Bareilly 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 IBKL0232UCB is used to identify this branch on the RBI payments network.

Why every IDBI Bank 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 URBAN CO OPERATIVE BANK LTD BAREILLY of IDBI Bank — its own 11-character IFSC. The code IBKL0232UCB 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 IBKL0232UCB 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 Urban Co Operative Bank Ltd Bareilly branch

Once you have an account at IDBI Bank – URBAN CO OPERATIVE BANK LTD BAREILLY, the IFSC IBKL0232UCB 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 Urban Co Operative Bank Ltd Bareilly 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 IBKL0232UCB

How to transfer money using IFSC IBKL0232UCB

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 IBKL0232UCB across all three.

How to use IFSC IBKL0232UCB for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to IDBI Bank's URBAN CO OPERATIVE BANK LTD BAREILLY 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 IBKL0232UCB.
4. Confirm the bank name auto-populates as IDBI Bank and the branch as URBAN CO OPERATIVE BANK LTD BAREILLY.
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 URBAN CO OPERATIVE BANK LTD BAREILLY

If you need to transfer ₹2 lakh or more in one go to an account at IDBI Bank's URBAN CO OPERATIVE BANK LTD BAREILLY branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IBKL0232UCB while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to IDBI Bank – URBAN CO OPERATIVE BANK LTD BAREILLY, use IMPS. With IFSC IBKL0232UCB 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 IBKL0232UCB for IDBI Bank – URBAN CO OPERATIVE BANK LTD BAREILLY, 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 Urban Co Operative Bank Ltd Bareilly 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 IBKL0232UCB

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 – URBAN CO OPERATIVE BANK LTD BAREILLY is still mapped to IFSC IBKL0232UCB. 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 IBKL0232UCB and the beneficiary's account number to complete the transfer.

Online banking and IFSC IBKL0232UCB

IDBI Bank customers can register for net banking and the bank's official mobile app once their account at the URBAN CO OPERATIVE BANK LTD BAREILLY 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 IBKL0232UCB 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.

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 IBKL0232UCB and the account number together uniquely identify the Urban Co Operative Bank Ltd Bareilly branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – URBAN CO OPERATIVE BANK LTD BAREILLY:

• The IFSC is exactly IBKL0232UCB 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 URBAN CO OPERATIVE BANK LTD BAREILLY 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 Urban Co Operative Bank Ltd Bareilly branch sits at BLOCK A DEEN DAYAL PURAM BAREILLY, PIN CODE 243122. If you are travelling from outside Bareilly, search for the branch on a maps application using the bank name and locality, or call 581-2311340 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 IBKL0232UCB and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC IBKL0232UCB for IDBI Bank – URBAN CO OPERATIVE BANK LTD BAREILLY, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

Working hours

Branch counters at Urban Co Operative Bank Ltd Bareilly 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 IBKL0232UCB continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code IBKL0232UCB belongs to IDBI Bank's URBAN CO OPERATIVE BANK LTD BAREILLY branch, located at BLOCK A DEEN DAYAL PURAM BAREILLY, PIN CODE 243122 in BAREILLY, 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.