IFSC Code of IDBI Bank, Kolhapur District Central Co Op Bank Ltd Branch, Maharashtra

Use this page as a one-stop reference for everything related to IDBI Bank's KOLHAPUR DISTRICT CENTRAL CO OP BANK LTD branch in KOLHAPUR, MAHARASHTRA. The branch's IFSC code IBKL0463KDC 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, IBKL0463KDC is the IFSC of IDBI Bank's KOLHAPUR DISTRICT CENTRAL CO OP BANK LTD branch. The format is fixed: IBKL = bank code, 0 = reserved, 463KDC = branch identifier.

Bank profile

IDBI Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Kolhapur District Central Co Op Bank Ltd branch — IFSC IBKL0463KDC — extends the bank's services to customers in and around Kolhapur, Maharashtra.

Branch details at a glance

About the Kolhapur District Central Co Op Bank Ltd branch

The Kolhapur District Central Co Op Bank Ltd branch of IDBI Bank is situated at KOLHAPUR DISTRICT CENTRAL CO OP BANK LTD, 1092 E WARD, SHAHUPURI 4TH LANE SHAHUPURI, KOLHAPUR. 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 IBKL0463KDC 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 KOLHAPUR DISTRICT CENTRAL CO OP BANK LTD branch came to be assigned the code IBKL0463KDC.

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 IBKL0463KDC, money simply cannot be routed to the KOLHAPUR DISTRICT CENTRAL CO OP BANK LTD branch electronically.

Products and account variants supported

Every account opened at the Kolhapur District Central Co Op Bank Ltd branch is mapped to IFSC IBKL0463KDC 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 IBKL0463KDC.

Products and services

Customers walking into the Kolhapur District Central Co Op Bank Ltd 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 IBKL0463KDC

How to transfer money using IFSC IBKL0463KDC

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 IBKL0463KDC across all three.

NEFT to IDBI Bank, KOLHAPUR DISTRICT CENTRAL CO OP BANK LTD using IFSC IBKL0463KDC

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 IBKL0463KDC, and confirm that the system picks up IDBI Bank – KOLHAPUR DISTRICT CENTRAL CO OP BANK LTD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC IBKL0463KDC

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 – KOLHAPUR DISTRICT CENTRAL CO OP BANK LTD, ensure your bank's portal accepts IFSC IBKL0463KDC while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to IDBI Bank – KOLHAPUR DISTRICT CENTRAL CO OP BANK LTD, use IMPS. With IFSC IBKL0463KDC and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Kolhapur District Central Co Op Bank Ltd

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 IBKL0463KDC:

• 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 KOLHAPUR DISTRICT CENTRAL CO OP BANK LTD is still linked to IFSC IBKL0463KDC.

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 IBKL0463KDC

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 – KOLHAPUR DISTRICT CENTRAL CO OP BANK LTD is still mapped to IFSC IBKL0463KDC. 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 IBKL0463KDC and the beneficiary's account number to complete the transfer.

Online banking and IFSC IBKL0463KDC

IDBI Bank customers can register for net banking and the bank's official mobile app once their account at the KOLHAPUR DISTRICT CENTRAL CO OP BANK LTD 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 IBKL0463KDC 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.

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 IBKL0463KDC and the account number together uniquely identify the Kolhapur District Central Co Op Bank Ltd branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Common mistakes to avoid when using IFSC IBKL0463KDC

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 – KOLHAPUR DISTRICT CENTRAL CO OP 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: IBKL0463KDC.
• 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 Kolhapur District Central Co Op Bank Ltd branch

The branch is located at KOLHAPUR DISTRICT CENTRAL CO OP BANK LTD, 1092 E WARD, SHAHUPURI 4TH LANE SHAHUPURI, KOLHAPUR, which puts it inside Kolhapur, the broader Kolhapur district, and the state of Maharashtra. To plan your visit:

1. Open Google Maps on your phone and search for “IDBI Bank Kolhapur District Central Co Op Bank Ltd branch” — the verified location pin for IFSC IBKL0463KDC should appear at the top of the results.
2. Confirm the branch is open by calling 232-2551041 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 IBKL0463KDC and your account number.

Verifying IFSC IBKL0463KDC 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 IBKL0463KDC by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 232-2551041.
• 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 Kolhapur District Central Co Op Bank Ltd branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IBKL0463KDC, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: IBKL0463KDC is the IFSC code of IDBI Bank, KOLHAPUR DISTRICT CENTRAL CO OP BANK LTD branch, in KOLHAPUR, 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.