IFSC Code of IDBI Bank, The Prathamik Shikshak Sahakari Bank Ltd Shirol Branch, Maharashtra

If you are searching for the IFSC code of IDBI Bank, THE PRATHAMIK SHIKSHAK SAHAKARI BANK LTD SHIROL branch in SHIROL, MAHARASHTRA, this page has every detail you need. The verified IFSC code for this branch is IBKL0464P02. 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 THE PRATHAMIK SHIKSHAK SAHAKARI BANK LTD SHIROL branch, and detailed step-by-step guides for using the IFSC IBKL0464P02 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.

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 PRATHAMIK SHIKSHAK SAHAKARI BANK LTD SHIROL branch, the IFSC IBKL0464P02 breaks down as follows: IBKL identifies the bank, 0 is the reserved character, and 464P02 identifies this particular branch.

About the bank

IDBI Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its The Prathamik Shikshak Sahakari Bank Ltd Shirol branch in Shirol, Maharashtra is part of this network and uses the IFSC code IBKL0464P02 for all electronic settlement.

Branch details at a glance

About the The Prathamik Shikshak Sahakari Bank Ltd Shirol branch

The The Prathamik Shikshak Sahakari Bank Ltd Shirol branch of IDBI Bank is situated at SHIROL TALUKA SHIROL DIST KOLHAPUR. 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 IBKL0464P02 is used.

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 THE PRATHAMIK SHIKSHAK SAHAKARI BANK LTD SHIROL branch came to be assigned the code IBKL0464P02.

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 IBKL0464P02, money simply cannot be routed to the THE PRATHAMIK SHIKSHAK SAHAKARI BANK LTD SHIROL branch electronically.

Products and account variants supported

Every account opened at the The Prathamik Shikshak Sahakari Bank Ltd Shirol branch is mapped to IFSC IBKL0464P02 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 IBKL0464P02.

Products and services

Customers walking into the The Prathamik Shikshak Sahakari Bank Ltd Shirol 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 IBKL0464P02

How to transfer money using IFSC IBKL0464P02

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 IBKL0464P02 across all three.

How to use IFSC IBKL0464P02 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to IDBI Bank's THE PRATHAMIK SHIKSHAK SAHAKARI BANK LTD SHIROL 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 IBKL0464P02.
4. Confirm the bank name auto-populates as IDBI Bank and the branch as THE PRATHAMIK SHIKSHAK SAHAKARI BANK LTD SHIROL.
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 IBKL0464P02

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 PRATHAMIK SHIKSHAK SAHAKARI BANK LTD SHIROL, ensure your bank's portal accepts IFSC IBKL0464P02 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to IDBI Bank – THE PRATHAMIK SHIKSHAK SAHAKARI BANK LTD SHIROL, use IMPS. With IFSC IBKL0464P02 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 Prathamik Shikshak Sahakari Bank Ltd Shirol

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 IBKL0464P02:

• 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 PRATHAMIK SHIKSHAK SAHAKARI BANK LTD SHIROL is still linked to IFSC IBKL0464P02.

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 PRATHAMIK SHIKSHAK SAHAKARI BANK LTD SHIROL branch, the IFSC IBKL0464P02 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 Prathamik Shikshak Sahakari Bank Ltd Shirol 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 IBKL0464P02 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 & cheque-truncation details

Cheques drawn on the The Prathamik Shikshak Sahakari Bank Ltd Shirol branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IBKL0464P02 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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 PRATHAMIK SHIKSHAK SAHAKARI BANK LTD SHIROL:

• The IFSC is exactly IBKL0464P02 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 PRATHAMIK SHIKSHAK SAHAKARI BANK LTD SHIROL 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 Prathamik Shikshak Sahakari Bank Ltd Shirol branch

The branch is located at SHIROL TALUKA SHIROL DIST KOLHAPUR, which puts it inside Shirol, the broader Kolhapur district, and the state of Maharashtra. To plan your visit:

1. Open Google Maps on your phone and search for “IDBI Bank The Prathamik Shikshak Sahakari Bank Ltd Shirol branch” — the verified location pin for IFSC IBKL0464P02 should appear at the top of the results.
2. Confirm the branch is open by calling 2322-236428 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 IBKL0464P02 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC IBKL0464P02 for IDBI Bank – THE PRATHAMIK SHIKSHAK SAHAKARI BANK LTD SHIROL, 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 Prathamik Shikshak Sahakari Bank Ltd Shirol 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 IBKL0464P02 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code IBKL0464P02 belongs to IDBI Bank's THE PRATHAMIK SHIKSHAK SAHAKARI BANK LTD SHIROL branch, located at SHIROL TALUKA SHIROL DIST KOLHAPUR in SHIROL, MAHARASHTRA. 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.