IFSC Code of IDBI Bank, The Hooghly Co Operative Credit Bank Ltd Branch, West Bengal

Below are the complete branch details for IDBI Bank, THE HOOGHLY CO OPERATIVE CREDIT BANK LTD branch, located in HUGLI-CHINSURAH, WEST BENGAL. The IFSC assigned by the Reserve Bank of India to this branch is IBKL0401THC. 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 IBKL0401THC for IDBI Bank – THE HOOGHLY CO OPERATIVE CREDIT 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 – THE HOOGHLY CO OPERATIVE CREDIT BANK LTD is IBKL0401THC. The first four letters IBKL are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 401THC map to this branch in HUGLI-CHINSURAH, WEST BENGAL.

Bank profile

IDBI Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The The Hooghly Co Operative Credit Bank Ltd branch — IFSC IBKL0401THC — extends the bank's services to customers in and around Hugli-Chinsurah, West Bengal.

Branch details at a glance

The Hooghly Co Operative Credit Bank Ltd branch overview

Located at RAI BAHADUR S C MUKHERJEE ROAD CHAWKBAZAR DIST HOOGHLY 712103, the The Hooghly Co Operative Credit 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 IBKL0401THC is required for all interbank electronic transfers routed through this branch.

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 HOOGHLY CO OPERATIVE CREDIT BANK LTD branch came to be assigned the code IBKL0401THC.

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 IBKL0401THC, money simply cannot be routed to the THE HOOGHLY CO OPERATIVE CREDIT BANK LTD branch electronically.

Account types you can open at the The Hooghly Co Operative Credit Bank Ltd branch

Once you have an account at IDBI Bank – THE HOOGHLY CO OPERATIVE CREDIT BANK LTD, the IFSC IBKL0401THC 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 The Hooghly Co Operative Credit Bank Ltd branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 33-26802399.

• 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 IBKL0401THC

How to transfer money using IFSC IBKL0401THC

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 IBKL0401THC across all three.

How to use IFSC IBKL0401THC for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to IDBI Bank's THE HOOGHLY CO OPERATIVE CREDIT 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 IBKL0401THC.
4. Confirm the bank name auto-populates as IDBI Bank and the branch as THE HOOGHLY CO OPERATIVE CREDIT BANK LTD.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC IBKL0401THC

RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to IDBI Bank – THE HOOGHLY CO OPERATIVE CREDIT BANK LTD, ensure your bank's portal accepts IFSC IBKL0401THC while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to IDBI Bank – THE HOOGHLY CO OPERATIVE CREDIT BANK LTD, use IMPS. With IFSC IBKL0401THC 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 IBKL0401THC for IDBI Bank – THE HOOGHLY CO OPERATIVE CREDIT BANK LTD, 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 The Hooghly Co Operative Credit Bank Ltd 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 THE HOOGHLY CO OPERATIVE CREDIT BANK LTD branch, the IFSC IBKL0401THC 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 Hooghly Co Operative Credit 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 IBKL0401THC 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 & cheque-truncation details

Cheques drawn on the The Hooghly Co Operative Credit Bank Ltd branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IBKL0401THC for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Common mistakes to avoid when using IFSC IBKL0401THC

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 HOOGHLY CO OPERATIVE CREDIT 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: IBKL0401THC.
• 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 Hooghly Co Operative Credit Bank Ltd branch

The branch is located at RAI BAHADUR S C MUKHERJEE ROAD CHAWKBAZAR DIST HOOGHLY 712103, which puts it inside Hugli-Chinsurah, the broader Hugli district, and the state of West Bengal. To plan your visit:

1. Open Google Maps on your phone and search for “IDBI Bank The Hooghly Co Operative Credit Bank Ltd branch” — the verified location pin for IFSC IBKL0401THC should appear at the top of the results.
2. Confirm the branch is open by calling 33-26802399 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 IBKL0401THC and your account number.

Verifying IFSC IBKL0401THC 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 IBKL0401THC by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 33-26802399.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at The Hooghly Co Operative Credit 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 IBKL0401THC continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code IBKL0401THC belongs to IDBI Bank's THE HOOGHLY CO OPERATIVE CREDIT BANK LTD branch, located at RAI BAHADUR S C MUKHERJEE ROAD CHAWKBAZAR DIST HOOGHLY 712103 in HUGLI-CHINSURAH, WEST BENGAL. 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.