IFSC Code of IDBI Bank, The Kasaragod Co Operative Town Bank Ltd Branch, Kerala

If you are searching for the IFSC code of IDBI Bank, THE KASARAGOD CO OPERATIVE TOWN BANK LTD branch in KASARAGOD, KERALA, this page has every detail you need. The verified IFSC code for this branch is IBKL0450KCT. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the THE KASARAGOD CO OPERATIVE TOWN BANK LTD branch, and detailed step-by-step guides for using the IFSC IBKL0450KCT across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.

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, IBKL0450KCT is the IFSC of IDBI Bank's THE KASARAGOD CO OPERATIVE TOWN BANK LTD branch. The format is fixed: IBKL = bank code, 0 = reserved, 450KCT = branch identifier.

About the bank

IDBI Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its The Kasaragod Co Operative Town Bank Ltd branch in Kasaragod, Kerala is part of this network and uses the IFSC code IBKL0450KCT for all electronic settlement.

Branch details at a glance

About the The Kasaragod Co Operative Town Bank Ltd branch

The The Kasaragod Co Operative Town Bank Ltd branch of IDBI Bank is situated at NO 970,KASARAGOD,HEAD OFFICE,KASARAGOD 671121,KERALA. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code IBKL0450KCT is used.

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 KASARAGOD CO OPERATIVE TOWN BANK LTD branch came to be assigned the code IBKL0450KCT.

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 IBKL0450KCT, money simply cannot be routed to the THE KASARAGOD CO OPERATIVE TOWN BANK LTD branch electronically.

Products and account variants supported

Every account opened at the The Kasaragod Co Operative Town Bank Ltd branch is mapped to IFSC IBKL0450KCT 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 IBKL0450KCT.

Banking services available

The The Kasaragod Co Operative Town Bank Ltd branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 4994-223994.

• 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 IBKL0450KCT

How to transfer money using IFSC IBKL0450KCT

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 IBKL0450KCT across all three.

How to use IFSC IBKL0450KCT for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to IDBI Bank's THE KASARAGOD CO OPERATIVE TOWN 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 IBKL0450KCT.
4. Confirm the bank name auto-populates as IDBI Bank and the branch as THE KASARAGOD CO OPERATIVE TOWN 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 THE KASARAGOD CO OPERATIVE TOWN BANK LTD

If you need to transfer ₹2 lakh or more in one go to an account at IDBI Bank's THE KASARAGOD CO OPERATIVE TOWN BANK LTD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IBKL0450KCT 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 KASARAGOD CO OPERATIVE TOWN BANK LTD, use IMPS. With IFSC IBKL0450KCT 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 IBKL0450KCT for IDBI Bank – THE KASARAGOD CO OPERATIVE TOWN 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 Kasaragod Co Operative Town 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 KASARAGOD CO OPERATIVE TOWN BANK LTD branch, the IFSC IBKL0450KCT 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 Kasaragod Co Operative Town 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 IBKL0450KCT 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 Kasaragod Co Operative Town Bank Ltd branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IBKL0450KCT for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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 KASARAGOD CO OPERATIVE TOWN BANK LTD:

• The IFSC is exactly IBKL0450KCT 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 KASARAGOD CO OPERATIVE TOWN 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 The Kasaragod Co Operative Town Bank Ltd branch

The branch is located at NO 970,KASARAGOD,HEAD OFFICE,KASARAGOD 671121,KERALA, which puts it inside Kasaragod, the broader Kasaragod district, and the state of Kerala. To plan your visit:

1. Open Google Maps on your phone and search for “IDBI Bank The Kasaragod Co Operative Town Bank Ltd branch” — the verified location pin for IFSC IBKL0450KCT should appear at the top of the results.
2. Confirm the branch is open by calling 4994-223994 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 IBKL0450KCT and your account number.

Verifying IFSC IBKL0450KCT 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 IBKL0450KCT by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 4994-223994.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at The Kasaragod Co Operative Town 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 IBKL0450KCT continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code IBKL0450KCT belongs to IDBI Bank's THE KASARAGOD CO OPERATIVE TOWN BANK LTD branch, located at NO 970,KASARAGOD,HEAD OFFICE,KASARAGOD 671121,KERALA in KASARAGOD, 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.