Use this page as a one-stop reference for everything related to IDBI Bank's TELLICHERRY CO OPERATIVE URBAN BANK LIMITED SAIDARPALLY branch in THALASSERY, KERALA. The branch's IFSC code IBKL01154T4 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, IBKL01154T4 is the IFSC of IDBI Bank's TELLICHERRY CO OPERATIVE URBAN BANK LIMITED SAIDARPALLY branch. The format is fixed: IBKL = bank code, 0 = reserved, 1154T4 = branch identifier.
Branch details at a glance
| Bank Name | IDBI Bank |
|---|---|
| Branch | Tellicherry Co Operative Urban Bank Limited Saidarpally |
| IFSC Code | IBKL01154T4 |
| MICR Code | Refer to cheque leaf |
| Branch Address | OPP MUBARACK GHSS TEMPLEGATE PIN 670102 |
| City | Thalassery |
| District | Cannur |
| State | Kerala |
| STD Code | 490 |
| Phone | 2320233 |
About the bank
IDBI Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Tellicherry Co Operative Urban Bank Limited Saidarpally branch in Thalassery, Kerala is part of this network and uses the IFSC code IBKL01154T4 for all electronic settlement.
Tellicherry Co Operative Urban Bank Limited Saidarpally branch overview
Located at OPP MUBARACK GHSS TEMPLEGATE PIN 670102, the Tellicherry Co Operative Urban Bank Limited Saidarpally branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC IBKL01154T4 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 TELLICHERRY CO OPERATIVE URBAN BANK LIMITED SAIDARPALLY of IDBI Bank — its own 11-character IFSC. The code IBKL01154T4 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 IBKL01154T4 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 IBKL01154T4
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 IBKL01154T4 across all three.
NEFT to IDBI Bank, TELLICHERRY CO OPERATIVE URBAN BANK LIMITED SAIDARPALLY using IFSC IBKL01154T4
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 IBKL01154T4, and confirm that the system picks up IDBI Bank – TELLICHERRY CO OPERATIVE URBAN BANK LIMITED SAIDARPALLY. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to TELLICHERRY CO OPERATIVE URBAN BANK LIMITED SAIDARPALLY
If you need to transfer ₹2 lakh or more in one go to an account at IDBI Bank's TELLICHERRY CO OPERATIVE URBAN BANK LIMITED SAIDARPALLY branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IBKL01154T4 while initiating the transfer and the credit will appear within minutes.
IMPS to IDBI Bank TELLICHERRY CO OPERATIVE URBAN BANK LIMITED SAIDARPALLY (IFSC IBKL01154T4)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IBKL01154T4 in your mobile or internet banking app, and the money is credited to the TELLICHERRY CO OPERATIVE URBAN BANK LIMITED SAIDARPALLY branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IBKL01154T4 for IDBI Bank – TELLICHERRY CO OPERATIVE URBAN BANK LIMITED SAIDARPALLY, 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – IBKL01154T4 | Yes – IBKL01154T4 | Yes – IBKL01154T4 |
For most retail customers crediting the Tellicherry Co Operative Urban Bank Limited Saidarpally 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 TELLICHERRY CO OPERATIVE URBAN BANK LIMITED SAIDARPALLY branch, the IFSC IBKL01154T4 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 Tellicherry Co Operative Urban Bank Limited Saidarpally branch is mapped to IFSC IBKL01154T4 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 IBKL01154T4.
Products and services
Customers walking into the Tellicherry Co Operative Urban Bank Limited Saidarpally 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 IBKL01154T4
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 IBKL01154T4 and the account number together uniquely identify the Tellicherry Co Operative Urban Bank Limited Saidarpally branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC IBKL01154T4
IDBI Bank customers can register for net banking and the bank's official mobile app once their account at the TELLICHERRY CO OPERATIVE URBAN BANK LIMITED SAIDARPALLY 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 IBKL01154T4 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 IBKL01154T4
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 – TELLICHERRY CO OPERATIVE URBAN BANK LIMITED SAIDARPALLY, 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:
IBKL01154T4. - 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 Tellicherry Co Operative Urban Bank Limited Saidarpally branch sits at OPP MUBARACK GHSS TEMPLEGATE PIN 670102. If you are travelling from outside Thalassery, search for the branch on a maps application using the bank name and locality, or call 490-2320233 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 IBKL01154T4 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC IBKL01154T4 for IDBI Bank – TELLICHERRY CO OPERATIVE URBAN BANK LIMITED SAIDARPALLY, 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 Tellicherry Co Operative Urban Bank Limited Saidarpally branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IBKL01154T4, however, work 24x7.
Branch address & contact
IDBI BankTellicherry Co Operative Urban Bank Limited Saidarpally Branch
OPP MUBARACK GHSS TEMPLEGATE PIN 670102
Thalassery, Kerala
Phone: 490-2320233
IFSC: IBKL01154T4
Frequently asked questions
Does IDBI Bank Tellicherry Co Operative Urban Bank Limited Saidarpally branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 490-2320233 to confirm.
What is the phone number of IDBI Bank Tellicherry Co Operative Urban Bank Limited Saidarpally branch?
You can reach the branch at 490-2320233 during regular banking hours.
How do I add IDBI Bank Tellicherry Co Operative Urban Bank Limited Saidarpally as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IBKL01154T4, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC IBKL01154T4 the same for all accounts at Tellicherry Co Operative Urban Bank Limited Saidarpally branch?
Yes. The IFSC IBKL01154T4 is shared by every account held at IDBI Bank's Tellicherry Co Operative Urban Bank Limited Saidarpally branch. Only the account number changes from customer to customer.
How quickly will an NEFT transfer using IBKL01154T4 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to IDBI Bank – Tellicherry Co Operative Urban Bank Limited Saidarpally reflect within 30 minutes.
Is IFSC IBKL01154T4 valid for NEFT and RTGS?
Yes. IFSC IBKL01154T4 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is IDBI Bank Tellicherry Co Operative Urban Bank Limited Saidarpally branch located?
IDBI Bank's Tellicherry Co Operative Urban Bank Limited Saidarpally branch is located at OPP MUBARACK GHSS TEMPLEGATE PIN 670102, Thalassery, Kerala.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Tellicherry Co Operative Urban Bank Limited Saidarpally branch but serve different purposes.
Summary
The IFSC code IBKL01154T4 belongs to IDBI Bank's TELLICHERRY CO OPERATIVE URBAN BANK LIMITED SAIDARPALLY branch, located at OPP MUBARACK GHSS TEMPLEGATE PIN 670102 in THALASSERY, KERALA. 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.
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