IFSC Code of IDBI Bank, Uttar Pradesh Co Operative Bank Ltd Branch, Uttar Pradesh

If you are searching for the IFSC code of IDBI Bank, UTTAR PRADESH CO OPERATIVE BANK LTD branch in LUCKNOW, UTTAR PRADESH, this page has every detail you need. The verified IFSC code for this branch is IBKL0015UPC. 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 UTTAR PRADESH CO OPERATIVE BANK LTD branch, and detailed step-by-step guides for using the IFSC IBKL0015UPC 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.

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 UTTAR PRADESH CO OPERATIVE BANK LTD branch, the IFSC IBKL0015UPC breaks down as follows: IBKL identifies the bank, 0 is the reserved character, and 015UPC identifies this particular branch.

About the bank

IDBI Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Uttar Pradesh Co Operative Bank Ltd branch in Lucknow, Uttar Pradesh is part of this network and uses the IFSC code IBKL0015UPC for all electronic settlement.

Uttar Pradesh Co Operative Bank Ltd branch overview

Located at UTTAR PRADESH CO OPERATIVE BANK LTD MAIN BRANCH KISAN SAHKARI BHAWAN 2 M G ROAD LUCKNOW 226001, the Uttar Pradesh Co Operative Bank Ltd branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC IBKL0015UPC is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

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 UTTAR PRADESH CO OPERATIVE BANK LTD of IDBI Bank — its own 11-character IFSC. The code IBKL0015UPC 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 IBKL0015UPC the same way you would treat your account number — verify it once and save it carefully for future use.

MICR & cheque-truncation details

Cheques drawn on the Uttar Pradesh Co Operative Bank Ltd branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IBKL0015UPC for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC IBKL0015UPC

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 IBKL0015UPC across all three.

NEFT to IDBI Bank, UTTAR PRADESH CO OPERATIVE BANK LTD using IFSC IBKL0015UPC

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 IBKL0015UPC, and confirm that the system picks up IDBI Bank – UTTAR PRADESH CO OPERATIVE 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 IBKL0015UPC

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 – UTTAR PRADESH CO OPERATIVE BANK LTD, ensure your bank's portal accepts IFSC IBKL0015UPC while registering the beneficiary. RTGS is also available 24x7.

IMPS to IDBI Bank UTTAR PRADESH CO OPERATIVE BANK LTD (IFSC IBKL0015UPC)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IBKL0015UPC in your mobile or internet banking app, and the money is credited to the UTTAR PRADESH CO OPERATIVE BANK LTD branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC IBKL0015UPC for IDBI Bank – UTTAR PRADESH CO OPERATIVE 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 Uttar Pradesh Co Operative 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 UTTAR PRADESH CO OPERATIVE BANK LTD branch, the IFSC IBKL0015UPC 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 Uttar Pradesh Co Operative Bank Ltd branch is mapped to IFSC IBKL0015UPC 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 IBKL0015UPC.

Banking services available

The Uttar Pradesh Co Operative Bank Ltd branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-9997411111.

• 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 IBKL0015UPC

Online banking and IFSC IBKL0015UPC

IDBI Bank customers can register for net banking and the bank's official mobile app once their account at the UTTAR PRADESH CO OPERATIVE 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 IBKL0015UPC 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.

Reaching the branch

The Uttar Pradesh Co Operative Bank Ltd branch sits at UTTAR PRADESH CO OPERATIVE BANK LTD MAIN BRANCH KISAN SAHKARI BHAWAN 2 M G ROAD LUCKNOW 226001. If you are travelling from outside Lucknow, search for the branch on a maps application using the bank name and locality, or call 91-9997411111 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 IBKL0015UPC and your account number.

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 – UTTAR PRADESH CO OPERATIVE BANK LTD:

• The IFSC is exactly IBKL0015UPC 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 UTTAR PRADESH CO OPERATIVE 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.

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 Uttar Pradesh Co Operative Bank Ltd branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IBKL0015UPC, however, work 24x7.

Verifying IFSC IBKL0015UPC 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 IBKL0015UPC by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 91-9997411111.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Summary

The IFSC code IBKL0015UPC belongs to IDBI Bank's UTTAR PRADESH CO OPERATIVE BANK LTD branch, located at UTTAR PRADESH CO OPERATIVE BANK LTD MAIN BRANCH KISAN SAHKARI BHAWAN 2 M G… in LUCKNOW, UTTAR PRADESH. 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.