IFSC Code of IDBI Bank, Kannur District Co-Op Bank Ltd. Branch, Kerala

If you are searching for the IFSC code of IDBI Bank, KANNUR DISTRICT CO-OP BANK LTD. branch in PAYYANNUR, KERALA, this page has every detail you need. The verified IFSC code for this branch is IBKL0340K30. 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 KANNUR DISTRICT CO-OP BANK LTD. branch, and detailed step-by-step guides for using the IFSC IBKL0340K30 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, IBKL0340K30 is the IFSC of IDBI Bank's KANNUR DISTRICT CO-OP BANK LTD. branch. The format is fixed: IBKL = bank code, 0 = reserved, 340K30 = branch identifier.

Bank profile

IDBI Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Kannur District Co-Op Bank Ltd. branch — IFSC IBKL0340K30 — extends the bank's services to customers in and around Payyannur, Kerala.

About the Kannur District Co-Op Bank Ltd. branch

The Kannur District Co-Op Bank Ltd. branch of IDBI Bank is situated at PAYYANNUR 670 307. 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 IBKL0340K30 is used.

Branch details at a glance

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 KANNUR DISTRICT CO-OP BANK LTD. branch came to be assigned the code IBKL0340K30.

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 IBKL0340K30, money simply cannot be routed to the KANNUR DISTRICT CO-OP BANK LTD. branch electronically.

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 IBKL0340K30 and the account number together uniquely identify the Kannur District Co-Op Bank Ltd. branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC IBKL0340K30

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 IBKL0340K30 across all three.

How to use IFSC IBKL0340K30 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to IDBI Bank's KANNUR DISTRICT CO-OP 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 IBKL0340K30.
4. Confirm the bank name auto-populates as IDBI Bank and the branch as KANNUR DISTRICT CO-OP BANK LTD..
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC IBKL0340K30

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 – KANNUR DISTRICT CO-OP BANK LTD., ensure your bank's portal accepts IFSC IBKL0340K30 while registering the beneficiary. RTGS is also available 24x7.

IMPS to IDBI Bank KANNUR DISTRICT CO-OP BANK LTD. (IFSC IBKL0340K30)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IBKL0340K30 in your mobile or internet banking app, and the money is credited to the KANNUR DISTRICT CO-OP BANK LTD. branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Kannur District 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 IBKL0340K30:

• 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 KANNUR DISTRICT CO-OP BANK LTD. is still linked to IFSC IBKL0340K30.

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 IBKL0340K30

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 – KANNUR DISTRICT CO-OP BANK LTD. is still mapped to IFSC IBKL0340K30. 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 IBKL0340K30 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Kannur District Co-Op Bank Ltd. branch is mapped to IFSC IBKL0340K30 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 IBKL0340K30.

Banking services available

The Kannur District Co-Op Bank Ltd. branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 497-2700001.

• 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 IBKL0340K30

Online banking and IFSC IBKL0340K30

IDBI Bank customers can register for net banking and the bank's official mobile app once their account at the KANNUR DISTRICT 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 IBKL0340K30 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.

How to reach the Kannur District Co-Op Bank Ltd. branch

The branch is located at PAYYANNUR 670 307, which puts it inside Payyannur, the broader Kannur district, and the state of Kerala. To plan your visit:

1. Open Google Maps on your phone and search for “IDBI Bank Kannur District Co-Op Bank Ltd. branch” — the verified location pin for IFSC IBKL0340K30 should appear at the top of the results.
2. Confirm the branch is open by calling 497-2700001 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 IBKL0340K30 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 – KANNUR DISTRICT CO-OP BANK LTD.:

• The IFSC is exactly IBKL0340K30 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 KANNUR DISTRICT CO-OP 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 Kannur District 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 IBKL0340K30, however, work 24x7.

Verifying IFSC IBKL0340K30 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 IBKL0340K30 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 497-2700001.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Summary

The IFSC code IBKL0340K30 belongs to IDBI Bank's KANNUR DISTRICT CO-OP BANK LTD. branch, located at PAYYANNUR 670 307 in PAYYANNUR, 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.