IFSC Code of IDBI Bank, Kempegowda Pattana Souharda Sahakari Bank Niyamitha Branch, Karnataka

This page lists the IFSC code, branch address, contact number and fund-transfer information for IDBI Bank, KEMPEGOWDA PATTANA SOUHARDA SAHAKARI BANK NIYAMITHA branch in TUMKUR. The 11-digit IFSC IBKL0362KSB uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with IDBI Bank at the KEMPEGOWDA PATTANA SOUHARDA SAHAKARI BANK NIYAMITHA location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.

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, IBKL0362KSB is the IFSC of IDBI Bank's KEMPEGOWDA PATTANA SOUHARDA SAHAKARI BANK NIYAMITHA branch. The format is fixed: IBKL = bank code, 0 = reserved, 362KSB = branch identifier.

Branch details at a glance

About the bank

IDBI Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Kempegowda Pattana Souharda Sahakari Bank Niyamitha branch in Tumkur, Karnataka is part of this network and uses the IFSC code IBKL0362KSB for all electronic settlement.

Kempegowda Pattana Souharda Sahakari Bank Niyamitha branch overview

Located at 4TH CROSS ASHOKANAGARA TUMKUR 572102, the Kempegowda Pattana Souharda Sahakari Bank Niyamitha branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC IBKL0362KSB is required for all interbank electronic transfers routed through this branch.

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 KEMPEGOWDA PATTANA SOUHARDA SAHAKARI BANK NIYAMITHA branch came to be assigned the code IBKL0362KSB.

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 IBKL0362KSB, money simply cannot be routed to the KEMPEGOWDA PATTANA SOUHARDA SAHAKARI BANK NIYAMITHA branch electronically.

How to transfer money using IFSC IBKL0362KSB

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 IBKL0362KSB across all three.

NEFT to IDBI Bank, KEMPEGOWDA PATTANA SOUHARDA SAHAKARI BANK NIYAMITHA using IFSC IBKL0362KSB

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 IBKL0362KSB, and confirm that the system picks up IDBI Bank – KEMPEGOWDA PATTANA SOUHARDA SAHAKARI BANK NIYAMITHA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to KEMPEGOWDA PATTANA SOUHARDA SAHAKARI BANK NIYAMITHA

If you need to transfer ₹2 lakh or more in one go to an account at IDBI Bank's KEMPEGOWDA PATTANA SOUHARDA SAHAKARI BANK NIYAMITHA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IBKL0362KSB while initiating the transfer and the credit will appear within minutes.

IMPS to IDBI Bank KEMPEGOWDA PATTANA SOUHARDA SAHAKARI BANK NIYAMITHA (IFSC IBKL0362KSB)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IBKL0362KSB in your mobile or internet banking app, and the money is credited to the KEMPEGOWDA PATTANA SOUHARDA SAHAKARI BANK NIYAMITHA branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Kempegowda Pattana Souharda Sahakari Bank Niyamitha

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 IBKL0362KSB:

• 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 KEMPEGOWDA PATTANA SOUHARDA SAHAKARI BANK NIYAMITHA is still linked to IFSC IBKL0362KSB.

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.

UPI payments and IFSC IBKL0362KSB

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 – KEMPEGOWDA PATTANA SOUHARDA SAHAKARI BANK NIYAMITHA is still mapped to IFSC IBKL0362KSB. 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 IBKL0362KSB and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Kempegowda Pattana Souharda Sahakari Bank Niyamitha branch is mapped to IFSC IBKL0362KSB 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 IBKL0362KSB.

Products and services

Customers walking into the Kempegowda Pattana Souharda Sahakari Bank Niyamitha 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 IBKL0362KSB

MICR & cheque-truncation details

Cheques drawn on the Kempegowda Pattana Souharda Sahakari Bank Niyamitha branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IBKL0362KSB for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC IBKL0362KSB

IDBI Bank customers can register for net banking and the bank's official mobile app once their account at the KEMPEGOWDA PATTANA SOUHARDA SAHAKARI BANK NIYAMITHA 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 IBKL0362KSB 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 IBKL0362KSB

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 – KEMPEGOWDA PATTANA SOUHARDA SAHAKARI 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: IBKL0362KSB.
• 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 Kempegowda Pattana Souharda Sahakari Bank Niyamitha branch

The branch is located at 4TH CROSS ASHOKANAGARA TUMKUR 572102, which puts it inside Tumkur, the broader Tumkur district, and the state of Karnataka. To plan your visit:

1. Open Google Maps on your phone and search for “IDBI Bank Kempegowda Pattana Souharda Sahakari Bank Niyamitha branch” — the verified location pin for IFSC IBKL0362KSB should appear at the top of the results.
2. Confirm the branch is open by calling 91-9448659924 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 IBKL0362KSB and your account number.

Verifying IFSC IBKL0362KSB 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 IBKL0362KSB by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 91-9448659924.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Kempegowda Pattana Souharda Sahakari Bank Niyamitha 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 IBKL0362KSB continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: IBKL0362KSB is the IFSC code of IDBI Bank, KEMPEGOWDA PATTANA SOUHARDA SAHAKARI BANK NIYAMITHA branch, in TUMKUR, 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.