IFSC Code of IDBI Bank, The Kannur Co Operative Urban Bank Ltd Branch, Kerala

If you are searching for the IFSC code of IDBI Bank, THE KANNUR CO OPERATIVE URBAN BANK LTD branch in CANNUR, KERALA, this page has every detail you need. The verified IFSC code for this branch is IBKL0340KU4. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the THE KANNUR CO OPERATIVE URBAN BANK LTD branch, and detailed step-by-step guides for using the IFSC IBKL0340KU4 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular 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 THE KANNUR CO OPERATIVE URBAN BANK LTD branch, the IFSC IBKL0340KU4 breaks down as follows: IBKL identifies the bank, 0 is the reserved character, and 340KU4 identifies this particular branch.

About IDBI Bank

IDBI Bank operates a wide network of branches across India, including the The Kannur Co Operative Urban Bank Ltd branch in Cannur. 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, IBKL0340KU4.

Branch details at a glance

About the The Kannur Co Operative Urban Bank Ltd branch

The The Kannur Co Operative Urban Bank Ltd branch of IDBI Bank is situated at MANDE BRANCH,KUNHIPPALLI, KOTTALI POST, KANNUR 670005. 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 IBKL0340KU4 is used.

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 KANNUR CO OPERATIVE URBAN BANK LTD branch came to be assigned the code IBKL0340KU4.

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 IBKL0340KU4, money simply cannot be routed to the THE KANNUR CO OPERATIVE URBAN BANK LTD branch electronically.

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

Once you have an account at IDBI Bank – THE KANNUR CO OPERATIVE URBAN BANK LTD, the IFSC IBKL0340KU4 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 The Kannur Co Operative Urban 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 IBKL0340KU4

How to transfer money using IFSC IBKL0340KU4

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 IBKL0340KU4 across all three.

How to use IFSC IBKL0340KU4 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to IDBI Bank's THE KANNUR CO OPERATIVE URBAN BANK LTD 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 IBKL0340KU4.
4. Confirm the bank name auto-populates as IDBI Bank and the branch as THE KANNUR CO OPERATIVE URBAN BANK LTD.
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 THE KANNUR CO OPERATIVE URBAN BANK LTD

If you need to transfer ₹2 lakh or more in one go to an account at IDBI Bank's THE KANNUR CO OPERATIVE URBAN BANK LTD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IBKL0340KU4 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 – THE KANNUR CO OPERATIVE URBAN BANK LTD, use IMPS. With IFSC IBKL0340KU4 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to The Kannur Co Operative Urban 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 IBKL0340KU4:

• 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 KANNUR CO OPERATIVE URBAN BANK LTD is still linked to IFSC IBKL0340KU4.

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 KANNUR CO OPERATIVE URBAN BANK LTD branch, the IFSC IBKL0340KU4 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.

Digital banking channels

Most day-to-day work that customers used to do at the The Kannur Co Operative Urban 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 IBKL0340KU4 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.

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 IBKL0340KU4 and the account number together uniquely identify the The Kannur Co Operative Urban Bank Ltd branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Common mistakes to avoid when using IFSC IBKL0340KU4

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 – THE KANNUR CO OPERATIVE URBAN BANK LTD, 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: IBKL0340KU4.
• 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.

How to reach the The Kannur Co Operative Urban Bank Ltd branch

The branch is located at MANDE BRANCH,KUNHIPPALLI, KOTTALI POST, KANNUR 670005, which puts it inside Cannur, the broader Cannur district, and the state of Kerala. To plan your visit:

1. Open Google Maps on your phone and search for “IDBI Bank The Kannur Co Operative Urban Bank Ltd branch” — the verified location pin for IFSC IBKL0340KU4 should appear at the top of the results.
2. Confirm the branch is open by calling 497-2706642 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 IBKL0340KU4 and your account number.

Verifying IFSC IBKL0340KU4 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 IBKL0340KU4 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 497-2706642.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at The Kannur Co Operative Urban 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 IBKL0340KU4 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code IBKL0340KU4 belongs to IDBI Bank's THE KANNUR CO OPERATIVE URBAN BANK LTD branch, located at MANDE BRANCH,KUNHIPPALLI, KOTTALI POST, KANNUR 670005 in CANNUR, 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.