IFSC Code of IDBI Bank, Shillong Cooperative Urban Bank Ltd Branch, Meghalaya

Use this page as a one-stop reference for everything related to IDBI Bank's SHILLONG COOPERATIVE URBAN BANK LTD branch in SHILLONG, MEGHALAYA. The branch's IFSC code IBKL0158SCU 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.

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, IBKL0158SCU is the IFSC of IDBI Bank's SHILLONG COOPERATIVE URBAN BANK LTD branch. The format is fixed: IBKL = bank code, 0 = reserved, 158SCU = branch identifier.

Branch details at a glance

About IDBI Bank

IDBI Bank operates a wide network of branches across India, including the Shillong Cooperative Urban Bank Ltd branch in Shillong. 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, IBKL0158SCU.

Shillong Cooperative Urban Bank Ltd branch overview

Located at THE SHILLONG COOPERATIVE URBAN BANK LTD ,T S S ROAD SHILLONG-793001, the Shillong Cooperative Urban 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 IBKL0158SCU 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 SHILLONG COOPERATIVE URBAN BANK LTD of IDBI Bank — its own 11-character IFSC. The code IBKL0158SCU 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 IBKL0158SCU 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 IBKL0158SCU

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 IBKL0158SCU across all three.

NEFT to IDBI Bank, SHILLONG COOPERATIVE URBAN BANK LTD using IFSC IBKL0158SCU

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 IBKL0158SCU, and confirm that the system picks up IDBI Bank – SHILLONG COOPERATIVE 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 IBKL0158SCU

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 – SHILLONG COOPERATIVE URBAN BANK LTD, ensure your bank's portal accepts IFSC IBKL0158SCU while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to IDBI Bank – SHILLONG COOPERATIVE URBAN BANK LTD, use IMPS. With IFSC IBKL0158SCU and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

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

All three modes accept the IFSC IBKL0158SCU for IDBI Bank – SHILLONG COOPERATIVE URBAN 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 Shillong Cooperative Urban 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.

UPI payments and IFSC IBKL0158SCU

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 – SHILLONG COOPERATIVE URBAN BANK LTD is still mapped to IFSC IBKL0158SCU. 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 IBKL0158SCU and the beneficiary's account number to complete the transfer.

Account types you can open at the Shillong Cooperative Urban Bank Ltd branch

Once you have an account at IDBI Bank – SHILLONG COOPERATIVE URBAN BANK LTD, the IFSC IBKL0158SCU 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 Shillong Cooperative 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 IBKL0158SCU

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 IBKL0158SCU and the account number together uniquely identify the Shillong Cooperative Urban Bank Ltd branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Digital banking channels

Most day-to-day work that customers used to do at the Shillong Cooperative Urban Bank Ltd 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 IBKL0158SCU 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.

Common mistakes to avoid when using IFSC IBKL0158SCU

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 – SHILLONG COOPERATIVE 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: IBKL0158SCU.
• 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.

Reaching the branch

The Shillong Cooperative Urban Bank Ltd branch sits at THE SHILLONG COOPERATIVE URBAN BANK LTD ,T S S ROAD SHILLONG-793001. If you are travelling from outside Shillong, search for the branch on a maps application using the bank name and locality, or call 91-6909388328 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 IBKL0158SCU and your account number.

Verifying IFSC IBKL0158SCU 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 IBKL0158SCU by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 91-6909388328.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Shillong Cooperative 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 IBKL0158SCU continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code IBKL0158SCU belongs to IDBI Bank's SHILLONG COOPERATIVE URBAN BANK LTD branch, located at THE SHILLONG COOPERATIVE URBAN BANK LTD ,T S S ROAD SHILLONG-793001 in SHILLONG, MEGHALAYA. 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.