IFSC Code of IDBI Bank, Kannur District Co-Op Bank Ltd. Branch, Kerala

Below are the complete branch details for IDBI Bank, KANNUR DISTRICT CO-OP BANK LTD. branch, located in DHARMASALA, KERALA. The IFSC assigned by the Reserve Bank of India to this branch is IBKL0340K18. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case IBKL0340K18 for IDBI Bank – KANNUR DISTRICT CO-OP BANK LTD. — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 – KANNUR DISTRICT CO-OP BANK LTD. is IBKL0340K18. The first four letters IBKL are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 340K18 map to this branch in DHARMASALA, KERALA.

Bank profile

IDBI Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Kannur District Co-Op Bank Ltd. branch — IFSC IBKL0340K18 — extends the bank's services to customers in and around Dharmasala, Kerala.

Branch details at a glance

About this branch

The branch is located at DHARMASALA 670 564. It serves the Dharmasala 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 IBKL0340K18 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 KANNUR DISTRICT CO-OP BANK LTD. branch came to be assigned the code IBKL0340K18.

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 IBKL0340K18, money simply cannot be routed to the KANNUR DISTRICT CO-OP BANK LTD. branch electronically.

Account types you can open at the Kannur District Co-Op Bank Ltd. branch

Once you have an account at IDBI Bank – KANNUR DISTRICT CO-OP BANK LTD., the IFSC IBKL0340K18 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.

Banking services available

The Kannur District Co-Op Bank Ltd. branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 497-2700001.

• Savings, current and salary accounts
• Fixed deposits and recurring deposits
• Personal, vehicle and home loans
• Demat and investment products (where supported)
• Internet banking and mobile banking enrolment
• Debit and credit card issuance
• Locker facilities (subject to availability)
• Foreign exchange services (at authorised branches)
• Bill payments, demand drafts and pay orders
• NEFT / RTGS / IMPS / UPI fund transfers using IFSC IBKL0340K18

How to transfer money using IFSC IBKL0340K18

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 IBKL0340K18 across all three.

How to use IFSC IBKL0340K18 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to IDBI Bank's KANNUR DISTRICT CO-OP 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 IBKL0340K18.
4. Confirm the bank name auto-populates as IDBI Bank and the branch as KANNUR DISTRICT CO-OP 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 KANNUR DISTRICT CO-OP BANK LTD.

If you need to transfer ₹2 lakh or more in one go to an account at IDBI Bank's KANNUR DISTRICT CO-OP BANK LTD. branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IBKL0340K18 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 – KANNUR DISTRICT CO-OP BANK LTD., use IMPS. With IFSC IBKL0340K18 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 Kannur District Co-Op 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 IBKL0340K18:

• 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 KANNUR DISTRICT CO-OP BANK LTD. is still linked to IFSC IBKL0340K18.

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 IBKL0340K18

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 – KANNUR DISTRICT CO-OP BANK LTD. is still mapped to IFSC IBKL0340K18. 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 IBKL0340K18 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 Kannur District Co-Op 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 IBKL0340K18 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 IBKL0340K18 and the account number together uniquely identify the Kannur District Co-Op 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 – KANNUR DISTRICT CO-OP BANK LTD.:

• The IFSC is exactly IBKL0340K18 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 KANNUR DISTRICT CO-OP 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 Kannur District Co-Op Bank Ltd. branch

The branch is located at DHARMASALA 670 564, which puts it inside Dharmasala, the broader Kannur district, and the state of Kerala. To plan your visit:

1. Open Google Maps on your phone and search for “IDBI Bank Kannur District Co-Op Bank Ltd. branch” — the verified location pin for IFSC IBKL0340K18 should appear at the top of the results.
2. Confirm the branch is open by calling 497-2700001 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 IBKL0340K18 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC IBKL0340K18 for IDBI Bank – KANNUR DISTRICT CO-OP BANK LTD., 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.

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 Kannur District Co-Op Bank Ltd. branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IBKL0340K18, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code IBKL0340K18 belongs to IDBI Bank's KANNUR DISTRICT CO-OP BANK LTD. branch, located at DHARMASALA 670 564 in DHARMASALA, 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.