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

Below are the complete branch details for IDBI Bank, THE SIRSI URBAN SAHAKARI BANK LIMITED branch, located in KARWAR, KARNATAKA. The IFSC assigned by the Reserve Bank of India to this branch is IBKL0069S15. 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 IBKL0069S15 for IDBI Bank – THE SIRSI URBAN SAHAKARI BANK LIMITED — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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, IBKL0069S15 is the IFSC of IDBI Bank's THE SIRSI URBAN SAHAKARI BANK LIMITED branch. The format is fixed: IBKL = bank code, 0 = reserved, 069S15 = branch identifier.

Branch details at a glance

About IDBI Bank

IDBI Bank operates a wide network of branches across India, including the The Sirsi Urban Sahakari Bank Limited branch in Karwar. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, IBKL0069S15.

About this branch

The branch is located at SHIVAJI HIGH SCHOOL,BAAD,KARWAR 581 302. 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 IBKL0069S15 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 THE SIRSI URBAN SAHAKARI BANK LIMITED of IDBI Bank — its own 11-character IFSC. The code IBKL0069S15 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 IBKL0069S15 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 IBKL0069S15

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 IBKL0069S15 across all three.

How to use IFSC IBKL0069S15 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to IDBI Bank's THE SIRSI URBAN SAHAKARI BANK LIMITED 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 IBKL0069S15.
4. Confirm the bank name auto-populates as IDBI Bank and the branch as THE SIRSI URBAN SAHAKARI BANK LIMITED.
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 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 IBKL0069S15 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 – THE SIRSI URBAN SAHAKARI BANK LIMITED, use IMPS. With IFSC IBKL0069S15 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 IBKL0069S15 for IDBI Bank – THE SIRSI URBAN SAHAKARI BANK LIMITED, 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 Sirsi Urban Sahakari Bank Limited 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 SIRSI URBAN SAHAKARI BANK LIMITED branch, the IFSC IBKL0069S15 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 The Sirsi Urban Sahakari Bank Limited branch is mapped to IFSC IBKL0069S15 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 IBKL0069S15.

Banking services available

The The Sirsi Urban Sahakari Bank Limited branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 8382-225476.

• 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 IBKL0069S15

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 IBKL0069S15 and the account number together uniquely identify the The Sirsi Urban Sahakari Bank Limited branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Digital banking channels

Most day-to-day work that customers used to do at the The Sirsi Urban Sahakari Bank Limited 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 IBKL0069S15 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.

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 – THE SIRSI URBAN SAHAKARI BANK LIMITED:

• The IFSC is exactly IBKL0069S15 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 THE SIRSI URBAN SAHAKARI BANK LIMITED 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 The Sirsi Urban Sahakari Bank Limited branch

The branch is located at SHIVAJI HIGH SCHOOL,BAAD,KARWAR 581 302, which puts it inside Karwar, the broader Uttar Kannad district, and the state of Karnataka. To plan your visit:

1. Open Google Maps on your phone and search for “IDBI Bank The Sirsi Urban Sahakari Bank Limited branch” — the verified location pin for IFSC IBKL0069S15 should appear at the top of the results.
2. Confirm the branch is open by calling 8382-225476 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 IBKL0069S15 and your account number.

Verifying IFSC IBKL0069S15 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 IBKL0069S15 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 8382-225476.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at The Sirsi Urban Sahakari Bank Limited 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 IBKL0069S15 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code IBKL0069S15 belongs to IDBI Bank's THE SIRSI URBAN SAHAKARI BANK LIMITED branch, located at SHIVAJI HIGH SCHOOL,BAAD,KARWAR 581 302 in KARWAR, KARNATAKA. 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.