IFSC Code of IDBI Bank, The Railway Cooperative Bank Ltd Mysore Branch, Karnataka

This page lists the IFSC code, branch address, contact number and fund-transfer information for IDBI Bank, THE RAILWAY COOPERATIVE BANK LTD MYSORE branch in MYSORE. The 11-digit IFSC IBKL0281RCB uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with IDBI Bank at the THE RAILWAY COOPERATIVE BANK LTD MYSORE location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for IDBI Bank – THE RAILWAY COOPERATIVE BANK LTD MYSORE is IBKL0281RCB. The first four letters IBKL are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 281RCB map to this branch in MYSORE, KARNATAKA.

About the bank

IDBI Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its The Railway Cooperative Bank Ltd Mysore branch in Mysore, Karnataka is part of this network and uses the IFSC code IBKL0281RCB for all electronic settlement.

Branch details at a glance

The Railway Cooperative Bank Ltd Mysore branch overview

Located at 4,SHESHADRI IYER ROAD,MYSORE 570001, the The Railway Cooperative Bank Ltd Mysore branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC IBKL0281RCB is required for all interbank electronic transfers routed through this branch.

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 RAILWAY COOPERATIVE BANK LTD MYSORE of IDBI Bank — its own 11-character IFSC. The code IBKL0281RCB 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 IBKL0281RCB the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the The Railway Cooperative Bank Ltd Mysore branch is mapped to IFSC IBKL0281RCB 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 IBKL0281RCB.

Products and services

Customers walking into the The Railway Cooperative Bank Ltd Mysore 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 IBKL0281RCB

How to transfer money using IFSC IBKL0281RCB

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 IBKL0281RCB across all three.

How to use IFSC IBKL0281RCB for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to IDBI Bank's THE RAILWAY COOPERATIVE BANK LTD MYSORE 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 IBKL0281RCB.
4. Confirm the bank name auto-populates as IDBI Bank and the branch as THE RAILWAY COOPERATIVE BANK LTD MYSORE.
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 RAILWAY COOPERATIVE BANK LTD MYSORE

If you need to transfer ₹2 lakh or more in one go to an account at IDBI Bank's THE RAILWAY COOPERATIVE BANK LTD MYSORE branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IBKL0281RCB 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 RAILWAY COOPERATIVE BANK LTD MYSORE, use IMPS. With IFSC IBKL0281RCB 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 The Railway Cooperative Bank Ltd Mysore

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 IBKL0281RCB:

• 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 RAILWAY COOPERATIVE BANK LTD MYSORE is still linked to IFSC IBKL0281RCB.

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.

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 RAILWAY COOPERATIVE BANK LTD MYSORE branch, the IFSC IBKL0281RCB 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 Railway Cooperative Bank Ltd Mysore 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 IBKL0281RCB 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 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 IBKL0281RCB and the account number together uniquely identify the The Railway Cooperative Bank Ltd Mysore 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 IBKL0281RCB

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 RAILWAY COOPERATIVE BANK LTD MYSORE, 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: IBKL0281RCB.
• 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 The Railway Cooperative Bank Ltd Mysore branch

The branch is located at 4,SHESHADRI IYER ROAD,MYSORE 570001, which puts it inside Mysore, the broader Mysore district, and the state of Karnataka. To plan your visit:

1. Open Google Maps on your phone and search for “IDBI Bank The Railway Cooperative Bank Ltd Mysore branch” — the verified location pin for IFSC IBKL0281RCB should appear at the top of the results.
2. Confirm the branch is open by calling 821-2425261 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 IBKL0281RCB and your account number.

Verifying IFSC IBKL0281RCB 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 IBKL0281RCB by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 821-2425261.
• 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 Railway Cooperative Bank Ltd Mysore branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IBKL0281RCB, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: IBKL0281RCB is the IFSC code of IDBI Bank, THE RAILWAY COOPERATIVE BANK LTD MYSORE branch, in MYSORE, 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.