IFSC Code of IDBI Bank, Teachers Co Operative Bank Ltd Branch, Karnataka

This page lists the IFSC code, branch address, contact number and fund-transfer information for IDBI Bank, TEACHERS CO OPERATIVE BANK LTD branch in COONDAPUR. The 11-digit IFSC IBKL0186T04 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 TEACHERS CO OPERATIVE BANK LTD 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.

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 – TEACHERS CO OPERATIVE BANK LTD is IBKL0186T04. The first four letters IBKL are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 186T04 map to this branch in COONDAPUR, KARNATAKA.

Bank profile

IDBI Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Teachers Co Operative Bank Ltd branch — IFSC IBKL0186T04 — extends the bank's services to customers in and around Coondapur, Karnataka.

Branch details at a glance

Teachers Co Operative Bank Ltd branch overview

Located at SHANKAR SHET TOWERS, MUNCIPAL ROAD, KUNDAPURA, the Teachers Co Operative Bank Ltd branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC IBKL0186T04 is required for all interbank electronic transfers routed through this branch.

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 TEACHERS CO OPERATIVE BANK LTD of IDBI Bank — its own 11-character IFSC. The code IBKL0186T04 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 IBKL0186T04 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Teachers Co Operative Bank Ltd branch is mapped to IFSC IBKL0186T04 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 IBKL0186T04.

Products and services

Customers walking into the Teachers 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 IBKL0186T04

How to transfer money using IFSC IBKL0186T04

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 IBKL0186T04 across all three.

NEFT to IDBI Bank, TEACHERS CO OPERATIVE BANK LTD using IFSC IBKL0186T04

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 IBKL0186T04, and confirm that the system picks up IDBI Bank – TEACHERS 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 TEACHERS CO OPERATIVE BANK LTD

If you need to transfer ₹2 lakh or more in one go to an account at IDBI Bank's TEACHERS CO OPERATIVE BANK LTD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IBKL0186T04 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 – TEACHERS CO OPERATIVE BANK LTD, use IMPS. With IFSC IBKL0186T04 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 Teachers Co Operative 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 IBKL0186T04:

• 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 TEACHERS CO OPERATIVE BANK LTD is still linked to IFSC IBKL0186T04.

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.

UPI payments and IFSC IBKL0186T04

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 – TEACHERS CO OPERATIVE BANK LTD is still mapped to IFSC IBKL0186T04. 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 IBKL0186T04 and the beneficiary's account number to complete the transfer.

Digital banking channels

Most day-to-day work that customers used to do at the Teachers 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 IBKL0186T04 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 IBKL0186T04 and the account number together uniquely identify the Teachers Co Operative Bank Ltd 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 – TEACHERS CO OPERATIVE BANK LTD:

• The IFSC is exactly IBKL0186T04 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 TEACHERS 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.

How to reach the Teachers Co Operative Bank Ltd branch

The branch is located at SHANKAR SHET TOWERS, MUNCIPAL ROAD, KUNDAPURA, which puts it inside Coondapur, the broader Udipi district, and the state of Karnataka. To plan your visit:

1. Open Google Maps on your phone and search for “IDBI Bank Teachers Co Operative Bank Ltd branch” — the verified location pin for IFSC IBKL0186T04 should appear at the top of the results.
2. Confirm the branch is open by calling 820-2521143 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 IBKL0186T04 and your account number.

Verifying IFSC IBKL0186T04 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 IBKL0186T04 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 820-2521143.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Teachers 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 IBKL0186T04 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: IBKL0186T04 is the IFSC code of IDBI Bank, TEACHERS CO OPERATIVE BANK LTD branch, in COONDAPUR, KARNATAKA. 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.