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

Use this page as a one-stop reference for everything related to IDBI Bank's THE PAYYOLI CO OPERATIVE URBAN BANK LTD PAYYOLI branch in PAYYOLI, KERALA. The branch's IFSC code IBKL0114PCB 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.

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 THE PAYYOLI CO OPERATIVE URBAN BANK LTD PAYYOLI branch, the IFSC IBKL0114PCB breaks down as follows: IBKL identifies the bank, 0 is the reserved character, and 114PCB identifies this particular branch.

Branch details at a glance

About the bank

IDBI Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its The Payyoli Co Operative Urban Bank Ltd Payyoli branch in Payyoli, Kerala is part of this network and uses the IFSC code IBKL0114PCB for all electronic settlement.

About this branch

The branch is located at NO F 1354 P B NO 1,P O PAYYOLI,KOZHIKODE,KERALA,673522. It serves the Payyoli region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of IDBI Bank. The IFSC IBKL0114PCB is used to identify this branch on the RBI payments network.

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 PAYYOLI CO OPERATIVE URBAN BANK LTD PAYYOLI of IDBI Bank — its own 11-character IFSC. The code IBKL0114PCB 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 IBKL0114PCB the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC IBKL0114PCB

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 IBKL0114PCB across all three.

How to use IFSC IBKL0114PCB for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to IDBI Bank's THE PAYYOLI CO OPERATIVE URBAN BANK LTD PAYYOLI 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 IBKL0114PCB.
4. Confirm the bank name auto-populates as IDBI Bank and the branch as THE PAYYOLI CO OPERATIVE URBAN BANK LTD PAYYOLI.
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 IBKL0114PCB

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 PAYYOLI CO OPERATIVE URBAN BANK LTD PAYYOLI, ensure your bank's portal accepts IFSC IBKL0114PCB while registering the beneficiary. RTGS is also available 24x7.

IMPS to IDBI Bank THE PAYYOLI CO OPERATIVE URBAN BANK LTD PAYYOLI (IFSC IBKL0114PCB)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IBKL0114PCB in your mobile or internet banking app, and the money is credited to the THE PAYYOLI CO OPERATIVE URBAN BANK LTD PAYYOLI branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to The Payyoli Co Operative Urban Bank Ltd Payyoli

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 IBKL0114PCB:

• 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 PAYYOLI CO OPERATIVE URBAN BANK LTD PAYYOLI is still linked to IFSC IBKL0114PCB.

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 IBKL0114PCB

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 – THE PAYYOLI CO OPERATIVE URBAN BANK LTD PAYYOLI is still mapped to IFSC IBKL0114PCB. 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 IBKL0114PCB and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the The Payyoli Co Operative Urban Bank Ltd Payyoli branch is mapped to IFSC IBKL0114PCB 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 IBKL0114PCB.

Products and services

Customers walking into the The Payyoli Co Operative Urban Bank Ltd Payyoli 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 IBKL0114PCB

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 IBKL0114PCB and the account number together uniquely identify the The Payyoli Co Operative Urban Bank Ltd Payyoli branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC IBKL0114PCB

IDBI Bank customers can register for net banking and the bank's official mobile app once their account at the THE PAYYOLI CO OPERATIVE URBAN BANK LTD PAYYOLI 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 IBKL0114PCB 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.

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 – THE PAYYOLI CO OPERATIVE URBAN BANK LTD PAYYOLI:

• The IFSC is exactly IBKL0114PCB 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 THE PAYYOLI CO OPERATIVE URBAN BANK LTD PAYYOLI 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.

How to reach the The Payyoli Co Operative Urban Bank Ltd Payyoli branch

The branch is located at NO F 1354 P B NO 1,P O PAYYOLI,KOZHIKODE,KERALA,673522, which puts it inside Payyoli, the broader Kozhikode district, and the state of Kerala. To plan your visit:

1. Open Google Maps on your phone and search for “IDBI Bank The Payyoli Co Operative Urban Bank Ltd Payyoli branch” — the verified location pin for IFSC IBKL0114PCB should appear at the top of the results.
2. Confirm the branch is open by calling 496-2602028 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 IBKL0114PCB and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC IBKL0114PCB for IDBI Bank – THE PAYYOLI CO OPERATIVE URBAN BANK LTD PAYYOLI, 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.

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 Payyoli Co Operative Urban Bank Ltd Payyoli branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IBKL0114PCB, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: IBKL0114PCB is the IFSC code of IDBI Bank, THE PAYYOLI CO OPERATIVE URBAN BANK LTD PAYYOLI branch, in PAYYOLI, 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.