IFSC Code of IDBI Bank, The Ottapalam Co Operative Urban Bank Ltd Branch, Kerala

Below are the complete branch details for IDBI Bank, THE OTTAPALAM CO OPERATIVE URBAN BANK LTD branch, located in OTTAPALAM, KERALA. The IFSC assigned by the Reserve Bank of India to this branch is IBKL0763OCB. 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 IBKL0763OCB for IDBI Bank – THE OTTAPALAM CO OPERATIVE URBAN BANK LTD — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 OTTAPALAM CO OPERATIVE URBAN BANK LTD is IBKL0763OCB. The first four letters IBKL are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 763OCB map to this branch in OTTAPALAM, KERALA.

About IDBI Bank

IDBI Bank operates a wide network of branches across India, including the The Ottapalam Co Operative Urban Bank Ltd branch in Ottapalam. 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, IBKL0763OCB.

Branch details at a glance

About the The Ottapalam Co Operative Urban Bank Ltd branch

The The Ottapalam Co Operative Urban Bank Ltd branch of IDBI Bank is situated at PB NO 14,SHORNUR MAIN ROAD,5 1337 ,OTTAPALAM 679101. 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 IBKL0763OCB is used.

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 OTTAPALAM CO OPERATIVE URBAN BANK LTD of IDBI Bank — its own 11-character IFSC. The code IBKL0763OCB 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 IBKL0763OCB the same way you would treat your account number — verify it once and save it carefully for future use.

Account types you can open at the The Ottapalam Co Operative Urban Bank Ltd branch

Once you have an account at IDBI Bank – THE OTTAPALAM CO OPERATIVE URBAN BANK LTD, the IFSC IBKL0763OCB stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

Products and services

Customers walking into the The Ottapalam Co Operative Urban 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 IBKL0763OCB

How to transfer money using IFSC IBKL0763OCB

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 IBKL0763OCB across all three.

NEFT to IDBI Bank, THE OTTAPALAM CO OPERATIVE URBAN BANK LTD using IFSC IBKL0763OCB

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 IBKL0763OCB, and confirm that the system picks up IDBI Bank – THE OTTAPALAM CO OPERATIVE URBAN 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 IBKL0763OCB

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 – THE OTTAPALAM CO OPERATIVE URBAN BANK LTD, ensure your bank's portal accepts IFSC IBKL0763OCB while registering the beneficiary. RTGS is also available 24x7.

IMPS to IDBI Bank THE OTTAPALAM CO OPERATIVE URBAN BANK LTD (IFSC IBKL0763OCB)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IBKL0763OCB in your mobile or internet banking app, and the money is credited to the THE OTTAPALAM CO OPERATIVE URBAN BANK LTD branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to The Ottapalam Co Operative Urban 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 IBKL0763OCB:

• 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 OTTAPALAM CO OPERATIVE URBAN BANK LTD is still linked to IFSC IBKL0763OCB.

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 OTTAPALAM CO OPERATIVE URBAN BANK LTD branch, the IFSC IBKL0763OCB 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.

Online banking and IFSC IBKL0763OCB

IDBI Bank customers can register for net banking and the bank's official mobile app once their account at the THE OTTAPALAM CO OPERATIVE URBAN 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 IBKL0763OCB 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 IBKL0763OCB and the account number together uniquely identify the The Ottapalam Co Operative Urban 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 IBKL0763OCB

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 OTTAPALAM CO OPERATIVE URBAN 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: IBKL0763OCB.
• 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 Ottapalam Co Operative Urban Bank Ltd branch

The branch is located at PB NO 14,SHORNUR MAIN ROAD,5 1337 ,OTTAPALAM 679101, which puts it inside Ottapalam, the broader Palakkad district, and the state of Kerala. To plan your visit:

1. Open Google Maps on your phone and search for “IDBI Bank The Ottapalam Co Operative Urban Bank Ltd branch” — the verified location pin for IFSC IBKL0763OCB should appear at the top of the results.
2. Confirm the branch is open by calling 466-2244356 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 IBKL0763OCB and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC IBKL0763OCB for IDBI Bank – THE OTTAPALAM CO OPERATIVE URBAN BANK LTD, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

Working hours

Branch counters at The Ottapalam Co Operative Urban 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 IBKL0763OCB continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: IBKL0763OCB is the IFSC code of IDBI Bank, THE OTTAPALAM CO OPERATIVE URBAN BANK LTD branch, in OTTAPALAM, KERALA. 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.