IFSC Code of IDBI Bank, Vikas Urban Cooperative Bank Niyamitha Branch, Karnataka

If you are searching for the IFSC code of IDBI Bank, VIKAS URBAN COOPERATIVE BANK NIYAMITHA branch in SIRSI, KARNATAKA, this page has every detail you need. The verified IFSC code for this branch is IBKL01873V2. 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 VIKAS URBAN COOPERATIVE BANK NIYAMITHA branch, and detailed step-by-step guides for using the IFSC IBKL01873V2 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 VIKAS URBAN COOPERATIVE BANK NIYAMITHA branch, the IFSC IBKL01873V2 breaks down as follows: IBKL identifies the bank, 0 is the reserved character, and 1873V2 identifies this particular branch.

Branch details at a glance

Bank profile

IDBI Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Vikas Urban Cooperative Bank Niyamitha branch — IFSC IBKL01873V2 — extends the bank's services to customers in and around Sirsi, Karnataka.

About this branch

The branch is located at BALAJI BUILDING 2ND FLOOR,ASHWINI CIRCLE SIRSI 581402. It serves the Sirsi 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 IBKL01873V2 is used to identify this branch on the RBI payments network.

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 VIKAS URBAN COOPERATIVE BANK NIYAMITHA branch came to be assigned the code IBKL01873V2.

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 IBKL01873V2, money simply cannot be routed to the VIKAS URBAN COOPERATIVE BANK NIYAMITHA branch electronically.

How to transfer money using IFSC IBKL01873V2

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 IBKL01873V2 across all three.

NEFT to IDBI Bank, VIKAS URBAN COOPERATIVE BANK NIYAMITHA using IFSC IBKL01873V2

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 IBKL01873V2, and confirm that the system picks up IDBI Bank – VIKAS URBAN COOPERATIVE BANK NIYAMITHA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC IBKL01873V2

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 – VIKAS URBAN COOPERATIVE BANK NIYAMITHA, ensure your bank's portal accepts IFSC IBKL01873V2 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to IDBI Bank – VIKAS URBAN COOPERATIVE BANK NIYAMITHA, use IMPS. With IFSC IBKL01873V2 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 IBKL01873V2 for IDBI Bank – VIKAS URBAN COOPERATIVE BANK NIYAMITHA, 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 Vikas Urban Cooperative Bank Niyamitha 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.

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 VIKAS URBAN COOPERATIVE BANK NIYAMITHA branch, the IFSC IBKL01873V2 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.

Products and account variants supported

Every account opened at the Vikas Urban Cooperative Bank Niyamitha branch is mapped to IFSC IBKL01873V2 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 IBKL01873V2.

Banking services available

The Vikas Urban Cooperative Bank Niyamitha branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 8384-235497.

• 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 IBKL01873V2

MICR & cheque-truncation details

Cheques drawn on the Vikas Urban Cooperative Bank Niyamitha branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IBKL01873V2 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Digital banking channels

Most day-to-day work that customers used to do at the Vikas Urban Cooperative Bank Niyamitha 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 IBKL01873V2 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 IBKL01873V2

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 – VIKAS URBAN COOPERATIVE BANK NIYAMITHA, 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: IBKL01873V2.
• 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.

How to reach the Vikas Urban Cooperative Bank Niyamitha branch

The branch is located at BALAJI BUILDING 2ND FLOOR,ASHWINI CIRCLE SIRSI 581402, which puts it inside Sirsi, the broader Uttar Kannad district, and the state of Karnataka. To plan your visit:

1. Open Google Maps on your phone and search for “IDBI Bank Vikas Urban Cooperative Bank Niyamitha branch” — the verified location pin for IFSC IBKL01873V2 should appear at the top of the results.
2. Confirm the branch is open by calling 8384-235497 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 IBKL01873V2 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC IBKL01873V2 for IDBI Bank – VIKAS URBAN COOPERATIVE BANK NIYAMITHA, 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 Vikas Urban Cooperative Bank Niyamitha branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IBKL01873V2, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: IBKL01873V2 is the IFSC code of IDBI Bank, VIKAS URBAN COOPERATIVE BANK NIYAMITHA branch, in SIRSI, KARNATAKA. 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.