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

Use this page as a one-stop reference for everything related to IDBI Bank's THE SHORANUR CO OPERATIVE URBAN BANK LTD branch in SHORANUR, KERALA. The branch's IFSC code IBKL0763SCU 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.

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 SHORANUR CO OPERATIVE URBAN BANK LTD is IBKL0763SCU. The first four letters IBKL are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 763SCU map to this branch in SHORANUR, KERALA.

Branch details at a glance

About IDBI Bank

IDBI Bank operates a wide network of branches across India, including the The Shoranur Co Operative Urban Bank Ltd branch in Shoranur. 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, IBKL0763SCU.

About the The Shoranur Co Operative Urban Bank Ltd branch

The The Shoranur Co Operative Urban Bank Ltd branch of IDBI Bank is situated at THE SHORANUR CO OPERATIVE URBAN BANK LTD,SHORANUR,PALAKKAD 679121. 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 IBKL0763SCU 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 SHORANUR CO OPERATIVE URBAN BANK LTD branch came to be assigned the code IBKL0763SCU.

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 IBKL0763SCU, money simply cannot be routed to the THE SHORANUR CO OPERATIVE URBAN BANK LTD branch electronically.

How to transfer money using IFSC IBKL0763SCU

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 IBKL0763SCU across all three.

NEFT to IDBI Bank, THE SHORANUR CO OPERATIVE URBAN BANK LTD using IFSC IBKL0763SCU

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 IBKL0763SCU, and confirm that the system picks up IDBI Bank – THE SHORANUR 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 IBKL0763SCU

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 SHORANUR CO OPERATIVE URBAN BANK LTD, ensure your bank's portal accepts IFSC IBKL0763SCU while registering the beneficiary. RTGS is also available 24x7.

IMPS to IDBI Bank THE SHORANUR CO OPERATIVE URBAN BANK LTD (IFSC IBKL0763SCU)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IBKL0763SCU in your mobile or internet banking app, and the money is credited to the THE SHORANUR CO OPERATIVE URBAN BANK LTD branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to The Shoranur 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 IBKL0763SCU:

• 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 SHORANUR CO OPERATIVE URBAN BANK LTD is still linked to IFSC IBKL0763SCU.

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 SHORANUR CO OPERATIVE URBAN BANK LTD branch, the IFSC IBKL0763SCU 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.

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

Once you have an account at IDBI Bank – THE SHORANUR CO OPERATIVE URBAN BANK LTD, the IFSC IBKL0763SCU 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.

Banking services available

The The Shoranur Co Operative Urban Bank Ltd branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 466-2222541.

• 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 IBKL0763SCU

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 IBKL0763SCU and the account number together uniquely identify the The Shoranur Co Operative Urban Bank Ltd branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC IBKL0763SCU

IDBI Bank customers can register for net banking and the bank's official mobile app once their account at the THE SHORANUR 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 IBKL0763SCU 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.

Common mistakes to avoid when using IFSC IBKL0763SCU

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 SHORANUR 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: IBKL0763SCU.
• 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 The Shoranur Co Operative Urban Bank Ltd branch sits at THE SHORANUR CO OPERATIVE URBAN BANK LTD,SHORANUR,PALAKKAD 679121. If you are travelling from outside Shoranur, search for the branch on a maps application using the bank name and locality, or call 466-2222541 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 IBKL0763SCU and your account number.

Verifying IFSC IBKL0763SCU 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 IBKL0763SCU by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 466-2222541.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at The Shoranur 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 IBKL0763SCU continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: IBKL0763SCU is the IFSC code of IDBI Bank, THE SHORANUR CO OPERATIVE URBAN BANK LTD branch, in SHORANUR, 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.