IFSC Code of IDBI Bank, Raje Vikramsinh Ghatge Co-Operative Bank Ltd. ,Kagal Branch, Maharashtra

Below are the complete branch details for IDBI Bank, RAJE VIKRAMSINH GHATGE CO-OPERATIVE BANK LTD. ,KAGAL branch, located in KAGAL, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is IBKL0116KCB. 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 IBKL0116KCB for IDBI Bank – RAJE VIKRAMSINH GHATGE CO-OPERATIVE BANK LTD. ,KAGAL — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 RAJE VIKRAMSINH GHATGE CO-OPERATIVE BANK LTD. ,KAGAL branch, the IFSC IBKL0116KCB breaks down as follows: IBKL identifies the bank, 0 is the reserved character, and 116KCB identifies this particular branch.

Branch details at a glance

Bank profile

IDBI Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Raje Vikramsinh Ghatge Co-Operative Bank Ltd. ,Kagal branch — IFSC IBKL0116KCB — extends the bank's services to customers in and around Kagal, Maharashtra.

About this branch

The branch is located at 836/837, MAIN ROAD, GURUWAR PETH, KAGAL, KOLHAPUR-416 216. It serves the Kagal 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 IBKL0116KCB is used to identify this branch on the RBI payments network.

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 RAJE VIKRAMSINH GHATGE CO-OPERATIVE BANK LTD. ,KAGAL of IDBI Bank — its own 11-character IFSC. The code IBKL0116KCB 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 IBKL0116KCB the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC IBKL0116KCB

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 IBKL0116KCB across all three.

NEFT to IDBI Bank, RAJE VIKRAMSINH GHATGE CO-OPERATIVE BANK LTD. ,KAGAL using IFSC IBKL0116KCB

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 IBKL0116KCB, and confirm that the system picks up IDBI Bank – RAJE VIKRAMSINH GHATGE CO-OPERATIVE BANK LTD. ,KAGAL. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to RAJE VIKRAMSINH GHATGE CO-OPERATIVE BANK LTD. ,KAGAL

If you need to transfer ₹2 lakh or more in one go to an account at IDBI Bank's RAJE VIKRAMSINH GHATGE CO-OPERATIVE BANK LTD. ,KAGAL branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IBKL0116KCB while initiating the transfer and the credit will appear within minutes.

IMPS to IDBI Bank RAJE VIKRAMSINH GHATGE CO-OPERATIVE BANK LTD. ,KAGAL (IFSC IBKL0116KCB)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IBKL0116KCB in your mobile or internet banking app, and the money is credited to the RAJE VIKRAMSINH GHATGE CO-OPERATIVE BANK LTD. ,KAGAL branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Raje Vikramsinh Ghatge Co-Operative Bank Ltd. ,Kagal

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 IBKL0116KCB:

• 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 RAJE VIKRAMSINH GHATGE CO-OPERATIVE BANK LTD. ,KAGAL is still linked to IFSC IBKL0116KCB.

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 RAJE VIKRAMSINH GHATGE CO-OPERATIVE BANK LTD. ,KAGAL branch, the IFSC IBKL0116KCB 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 Raje Vikramsinh Ghatge Co-Operative Bank Ltd. ,Kagal branch is mapped to IFSC IBKL0116KCB 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 IBKL0116KCB.

Products and services

Customers walking into the Raje Vikramsinh Ghatge Co-Operative Bank Ltd. ,Kagal 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 IBKL0116KCB

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 IBKL0116KCB and the account number together uniquely identify the Raje Vikramsinh Ghatge Co-Operative Bank Ltd. ,Kagal branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC IBKL0116KCB

IDBI Bank customers can register for net banking and the bank's official mobile app once their account at the RAJE VIKRAMSINH GHATGE CO-OPERATIVE BANK LTD. ,KAGAL branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC IBKL0116KCB is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.

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 – RAJE VIKRAMSINH GHATGE CO-OPERATIVE BANK LTD. ,KAGAL:

• The IFSC is exactly IBKL0116KCB 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 RAJE VIKRAMSINH GHATGE CO-OPERATIVE BANK LTD. ,KAGAL 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.

Reaching the branch

The Raje Vikramsinh Ghatge Co-Operative Bank Ltd. ,Kagal branch sits at 836/837, MAIN ROAD, GURUWAR PETH, KAGAL, KOLHAPUR-416 216. If you are travelling from outside Kagal, search for the branch on a maps application using the bank name and locality, or call 2325-2325243412 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 IBKL0116KCB and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC IBKL0116KCB for IDBI Bank – RAJE VIKRAMSINH GHATGE CO-OPERATIVE BANK LTD. ,KAGAL, 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.

Working hours

Branch counters at Raje Vikramsinh Ghatge Co-Operative Bank Ltd. ,Kagal 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 IBKL0116KCB continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: IBKL0116KCB is the IFSC code of IDBI Bank, RAJE VIKRAMSINH GHATGE CO-OPERATIVE BANK LTD. ,KAGAL branch, in KAGAL, MAHARASHTRA. 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.