IFSC Code of IDBI Bank, The Sirsi Urban Sahakari Bank Limited Branch, Karnataka

Use this page as a one-stop reference for everything related to IDBI Bank's THE SIRSI URBAN SAHAKARI BANK LIMITED branch in KARWAR, KARNATAKA. The branch's IFSC code IBKL0069S13 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, IBKL0069S13 is the IFSC of IDBI Bank's THE SIRSI URBAN SAHAKARI BANK LIMITED branch. The format is fixed: IBKL = bank code, 0 = reserved, 069S13 = branch identifier.

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 The Sirsi Urban Sahakari Bank Limited branch — IFSC IBKL0069S13 — extends the bank's services to customers in and around Karwar, Karnataka.

About this branch

The branch is located at LAXMI COMPLEX,MAIN ROAD,KARWAR 581 301. It serves the Karwar 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 IBKL0069S13 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 THE SIRSI URBAN SAHAKARI BANK LIMITED branch came to be assigned the code IBKL0069S13.

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 IBKL0069S13, money simply cannot be routed to the THE SIRSI URBAN SAHAKARI BANK LIMITED branch electronically.

How to transfer money using IFSC IBKL0069S13

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 IBKL0069S13 across all three.

NEFT to IDBI Bank, THE SIRSI URBAN SAHAKARI BANK LIMITED using IFSC IBKL0069S13

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 IBKL0069S13, and confirm that the system picks up IDBI Bank – THE SIRSI URBAN SAHAKARI BANK LIMITED. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to THE SIRSI URBAN SAHAKARI BANK LIMITED

If you need to transfer ₹2 lakh or more in one go to an account at IDBI Bank's THE SIRSI URBAN SAHAKARI BANK LIMITED branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IBKL0069S13 while initiating the transfer and the credit will appear within minutes.

IMPS to IDBI Bank THE SIRSI URBAN SAHAKARI BANK LIMITED (IFSC IBKL0069S13)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IBKL0069S13 in your mobile or internet banking app, and the money is credited to the THE SIRSI URBAN SAHAKARI BANK LIMITED branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to The Sirsi Urban Sahakari Bank Limited

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 IBKL0069S13:

• 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 SIRSI URBAN SAHAKARI BANK LIMITED is still linked to IFSC IBKL0069S13.

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 IBKL0069S13

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 – THE SIRSI URBAN SAHAKARI BANK LIMITED is still mapped to IFSC IBKL0069S13. 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 IBKL0069S13 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the The Sirsi Urban Sahakari Bank Limited branch is mapped to IFSC IBKL0069S13 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 IBKL0069S13.

Products and services

Customers walking into the The Sirsi Urban Sahakari Bank Limited 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 IBKL0069S13

MICR & cheque-truncation details

Cheques drawn on the The Sirsi Urban Sahakari Bank Limited branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IBKL0069S13 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC IBKL0069S13

IDBI Bank customers can register for net banking and the bank's official mobile app once their account at the THE SIRSI URBAN SAHAKARI BANK LIMITED 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 IBKL0069S13 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.

Common mistakes to avoid when using IFSC IBKL0069S13

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 SIRSI URBAN SAHAKARI BANK LIMITED, 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: IBKL0069S13.
• 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.

Reaching the branch

The The Sirsi Urban Sahakari Bank Limited branch sits at LAXMI COMPLEX,MAIN ROAD,KARWAR 581 301. If you are travelling from outside Karwar, search for the branch on a maps application using the bank name and locality, or call 8382-225010 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 IBKL0069S13 and your account number.

Verifying IFSC IBKL0069S13 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 IBKL0069S13 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 8382-225010.
• Visiting the bank's official branch locator page.

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 The Sirsi Urban Sahakari Bank Limited branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IBKL0069S13, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: IBKL0069S13 is the IFSC code of IDBI Bank, THE SIRSI URBAN SAHAKARI BANK LIMITED branch, in KARWAR, 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.