Use this page as a one-stop reference for everything related to IDBI Bank's SIDDAGANGA URBAN CO OPERATIVE BANK branch in TUMKUR, KARNATAKA. The branch's IFSC code IBKL0362SUB 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, IBKL0362SUB is the IFSC of IDBI Bank's SIDDAGANGA URBAN CO OPERATIVE BANK branch. The format is fixed: IBKL = bank code, 0 = reserved, 362SUB = branch identifier.
Branch details at a glance
| Bank Name | IDBI Bank |
|---|---|
| Branch | Siddaganga Urban Co Operative Bank |
| IFSC Code | IBKL0362SUB |
| MICR Code | Refer to cheque leaf |
| Branch Address | SHS BUILDING,B H ROAD,TUMKUR 572102 |
| City | Tumkur |
| District | Tumkur |
| State | Karnataka |
| STD Code | 91 |
| Phone | 9620226001 |
About IDBI Bank
IDBI Bank operates a wide network of branches across India, including the Siddaganga Urban Co Operative Bank branch in Tumkur. 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, IBKL0362SUB.
Siddaganga Urban Co Operative Bank branch overview
Located at SHS BUILDING,B H ROAD,TUMKUR 572102, the Siddaganga Urban Co Operative Bank branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC IBKL0362SUB 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 SIDDAGANGA URBAN CO OPERATIVE BANK branch came to be assigned the code IBKL0362SUB.
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 IBKL0362SUB, money simply cannot be routed to the SIDDAGANGA URBAN CO OPERATIVE BANK branch electronically.
How to transfer money using IFSC IBKL0362SUB
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 IBKL0362SUB across all three.
NEFT to IDBI Bank, SIDDAGANGA URBAN CO OPERATIVE BANK using IFSC IBKL0362SUB
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 IBKL0362SUB, and confirm that the system picks up IDBI Bank – SIDDAGANGA URBAN CO OPERATIVE BANK. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to SIDDAGANGA URBAN CO OPERATIVE BANK
If you need to transfer ₹2 lakh or more in one go to an account at IDBI Bank's SIDDAGANGA URBAN CO OPERATIVE BANK branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IBKL0362SUB while initiating the transfer and the credit will appear within minutes.
IMPS to IDBI Bank SIDDAGANGA URBAN CO OPERATIVE BANK (IFSC IBKL0362SUB)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IBKL0362SUB in your mobile or internet banking app, and the money is credited to the SIDDAGANGA URBAN CO OPERATIVE BANK branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC IBKL0362SUB for IDBI Bank – SIDDAGANGA URBAN CO OPERATIVE BANK, 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 – IBKL0362SUB | Yes – IBKL0362SUB | Yes – IBKL0362SUB |
For most retail customers crediting the Siddaganga Urban Co Operative Bank 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.
UPI payments and IFSC IBKL0362SUB
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 – SIDDAGANGA URBAN CO OPERATIVE BANK is still mapped to IFSC IBKL0362SUB. 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 IBKL0362SUB and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Siddaganga Urban Co Operative Bank branch is mapped to IFSC IBKL0362SUB 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 IBKL0362SUB.
Banking services available
The Siddaganga Urban Co Operative Bank branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-9620226001.
- 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 IBKL0362SUB
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 IBKL0362SUB and the account number together uniquely identify the Siddaganga Urban Co Operative Bank branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Digital banking channels
Most day-to-day work that customers used to do at the Siddaganga Urban Co Operative Bank 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 IBKL0362SUB 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.
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 – SIDDAGANGA URBAN CO OPERATIVE BANK:
- The IFSC is exactly IBKL0362SUB 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 SIDDAGANGA URBAN CO OPERATIVE BANK 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 Siddaganga Urban Co Operative Bank branch
The branch is located at SHS BUILDING,B H ROAD,TUMKUR 572102, which puts it inside Tumkur, the broader Tumkur district, and the state of Karnataka. To plan your visit:
- Open Google Maps on your phone and search for “IDBI Bank Siddaganga Urban Co Operative Bank branch” — the verified location pin for IFSC IBKL0362SUB should appear at the top of the results.
- Confirm the branch is open by calling 91-9620226001 before stepping out, especially around public holidays.
- 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 IBKL0362SUB and your account number.
Verifying IFSC IBKL0362SUB 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 IBKL0362SUB by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-9620226001.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Siddaganga Urban Co Operative Bank 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 IBKL0362SUB continue to work without interruption.
Branch address & contact
IDBI BankSiddaganga Urban Co Operative Bank Branch
SHS BUILDING,B H ROAD,TUMKUR 572102
Tumkur, Karnataka
Phone: 91-9620226001
IFSC: IBKL0362SUB
Frequently asked questions
What is the IFSC code of IDBI Bank Siddaganga Urban Co Operative Bank branch?
The IFSC code of IDBI Bank, Siddaganga Urban Co Operative Bank branch is IBKL0362SUB. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC IBKL0362SUB valid for NEFT and RTGS?
Yes. IFSC IBKL0362SUB is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the phone number of IDBI Bank Siddaganga Urban Co Operative Bank branch?
You can reach the branch at 91-9620226001 during regular banking hours.
Does IDBI Bank Siddaganga Urban Co Operative Bank branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-9620226001 to confirm.
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 Siddaganga Urban Co Operative Bank branch but serve different purposes.
How do I add IDBI Bank Siddaganga Urban Co Operative Bank as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IBKL0362SUB, and complete OTP verification. Once activated, you can transfer funds at any time.
Where is IDBI Bank Siddaganga Urban Co Operative Bank branch located?
IDBI Bank's Siddaganga Urban Co Operative Bank branch is located at SHS BUILDING,B H ROAD,TUMKUR 572102, Tumkur, Karnataka.
Is IFSC IBKL0362SUB the same for all accounts at Siddaganga Urban Co Operative Bank branch?
Yes. The IFSC IBKL0362SUB is shared by every account held at IDBI Bank's Siddaganga Urban Co Operative Bank branch. Only the account number changes from customer to customer.
Summary
The IFSC code IBKL0362SUB belongs to IDBI Bank's SIDDAGANGA URBAN CO OPERATIVE BANK branch, located at SHS BUILDING,B H ROAD,TUMKUR 572102 in TUMKUR, KARNATAKA. 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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