IFSC Code of IDBI Bank, Shri Mahalaxmi Co Operative Bank Ltd Vijapur Branch, Karnataka

This page lists the IFSC code, branch address, contact number and fund-transfer information for IDBI Bank, SHRI MAHALAXMI CO OPERATIVE BANK LTD VIJAPUR branch in BIJAPUR. The 11-digit IFSC IBKL0744MBL 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 SHRI MAHALAXMI CO OPERATIVE BANK LTD VIJAPUR 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 SHRI MAHALAXMI CO OPERATIVE BANK LTD VIJAPUR branch, the IFSC IBKL0744MBL breaks down as follows: IBKL identifies the bank, 0 is the reserved character, and 744MBL identifies this particular branch.

Bank profile

IDBI Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Shri Mahalaxmi Co Operative Bank Ltd Vijapur branch — IFSC IBKL0744MBL — extends the bank's services to customers in and around Bijapur, Karnataka.

About this branch

The branch is located at RAM MANDIR ROAD BESIDE ICICI BANK BIJAPUR - 586101 KARNATAKA. It serves the Bijapur 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 IBKL0744MBL is used to identify this branch on the RBI payments network.

Branch details at a glance

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 SHRI MAHALAXMI CO OPERATIVE BANK LTD VIJAPUR of IDBI Bank — its own 11-character IFSC. The code IBKL0744MBL 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 IBKL0744MBL the same way you would treat your account number — verify it once and save it carefully for future use.

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 IBKL0744MBL and the account number together uniquely identify the Shri Mahalaxmi Co Operative Bank Ltd Vijapur branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC IBKL0744MBL

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 IBKL0744MBL across all three.

How to use IFSC IBKL0744MBL for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to IDBI Bank's SHRI MAHALAXMI CO OPERATIVE BANK LTD VIJAPUR 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 IBKL0744MBL.
4. Confirm the bank name auto-populates as IDBI Bank and the branch as SHRI MAHALAXMI CO OPERATIVE BANK LTD VIJAPUR.
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 SHRI MAHALAXMI CO OPERATIVE BANK LTD VIJAPUR

If you need to transfer ₹2 lakh or more in one go to an account at IDBI Bank's SHRI MAHALAXMI CO OPERATIVE BANK LTD VIJAPUR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IBKL0744MBL 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 – SHRI MAHALAXMI CO OPERATIVE BANK LTD VIJAPUR, use IMPS. With IFSC IBKL0744MBL 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 IBKL0744MBL for IDBI Bank – SHRI MAHALAXMI CO OPERATIVE BANK LTD VIJAPUR, 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 Shri Mahalaxmi Co Operative Bank Ltd Vijapur 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 SHRI MAHALAXMI CO OPERATIVE BANK LTD VIJAPUR branch, the IFSC IBKL0744MBL 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 Shri Mahalaxmi Co Operative Bank Ltd Vijapur branch is mapped to IFSC IBKL0744MBL 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 IBKL0744MBL.

Products and services

Customers walking into the Shri Mahalaxmi Co Operative Bank Ltd Vijapur 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 IBKL0744MBL

Digital banking channels

Most day-to-day work that customers used to do at the Shri Mahalaxmi Co Operative Bank Ltd Vijapur 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 IBKL0744MBL 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 Shri Mahalaxmi Co Operative Bank Ltd Vijapur branch sits at RAM MANDIR ROAD BESIDE ICICI BANK BIJAPUR - 586101 KARNATAKA. If you are travelling from outside Bijapur, search for the branch on a maps application using the bank name and locality, or call 91-9900885266 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 IBKL0744MBL and your account number.

Common mistakes to avoid when using IFSC IBKL0744MBL

An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to IDBI Bank – SHRI MAHALAXMI CO OPERATIVE BANK LTD VIJAPUR, double-check for these issues:

• Confusing 0 with O. The fifth character of every IFSC is the digit 0, not the letter O. Read carefully.
• Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters: IBKL0744MBL.
• Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
• Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
• Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.

Branch banking hours and holidays

Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Shri Mahalaxmi Co Operative Bank Ltd Vijapur branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IBKL0744MBL, however, work 24x7.

Verifying IFSC IBKL0744MBL 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 IBKL0744MBL by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 91-9900885266.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Summary

The IFSC code IBKL0744MBL belongs to IDBI Bank's SHRI MAHALAXMI CO OPERATIVE BANK LTD VIJAPUR branch, located at RAM MANDIR ROAD BESIDE ICICI BANK BIJAPUR - 586101 KARNATAKA in BIJAPUR, KARNATAKA. 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.