IFSC Code of IDBI Bank, Sri Sharada Mahila Co Operative Bank Ltd H O Branch, Karnataka

Below are the complete branch details for IDBI Bank, SRI SHARADA MAHILA CO OPERATIVE BANK LTD H O branch, located in TUMKUR, KARNATAKA. The IFSC assigned by the Reserve Bank of India to this branch is IBKL0362SSM. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case IBKL0362SSM for IDBI Bank – SRI SHARADA MAHILA CO OPERATIVE BANK LTD H O — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 SRI SHARADA MAHILA CO OPERATIVE BANK LTD H O branch, the IFSC IBKL0362SSM breaks down as follows: IBKL identifies the bank, 0 is the reserved character, and 362SSM identifies this particular branch.

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 Sri Sharada Mahila Co Operative Bank Ltd H O branch in Tumkur, Karnataka is part of this network and uses the IFSC code IBKL0362SSM for all electronic settlement.

About the Sri Sharada Mahila Co Operative Bank Ltd H O branch

The Sri Sharada Mahila Co Operative Bank Ltd H O branch of IDBI Bank is situated at J C ROAD,TUMKUR 572101. 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 IBKL0362SSM is used.

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 SRI SHARADA MAHILA CO OPERATIVE BANK LTD H O of IDBI Bank — its own 11-character IFSC. The code IBKL0362SSM 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 IBKL0362SSM 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 IBKL0362SSM

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 IBKL0362SSM across all three.

NEFT to IDBI Bank, SRI SHARADA MAHILA CO OPERATIVE BANK LTD H O using IFSC IBKL0362SSM

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 IBKL0362SSM, and confirm that the system picks up IDBI Bank – SRI SHARADA MAHILA CO OPERATIVE BANK LTD H O. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to SRI SHARADA MAHILA CO OPERATIVE BANK LTD H O

If you need to transfer ₹2 lakh or more in one go to an account at IDBI Bank's SRI SHARADA MAHILA CO OPERATIVE BANK LTD H O branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IBKL0362SSM while initiating the transfer and the credit will appear within minutes.

IMPS to IDBI Bank SRI SHARADA MAHILA CO OPERATIVE BANK LTD H O (IFSC IBKL0362SSM)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IBKL0362SSM in your mobile or internet banking app, and the money is credited to the SRI SHARADA MAHILA CO OPERATIVE BANK LTD H O branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC IBKL0362SSM for IDBI Bank – SRI SHARADA MAHILA CO OPERATIVE BANK LTD H O, 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 Sri Sharada Mahila Co Operative Bank Ltd H O 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 SRI SHARADA MAHILA CO OPERATIVE BANK LTD H O branch, the IFSC IBKL0362SSM 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 Sri Sharada Mahila Co Operative Bank Ltd H O branch

Once you have an account at IDBI Bank – SRI SHARADA MAHILA CO OPERATIVE BANK LTD H O, the IFSC IBKL0362SSM 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 Sri Sharada Mahila Co Operative Bank Ltd H O branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-7760029116.

• 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 IBKL0362SSM

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 IBKL0362SSM and the account number together uniquely identify the Sri Sharada Mahila Co Operative Bank Ltd H O branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC IBKL0362SSM

IDBI Bank customers can register for net banking and the bank's official mobile app once their account at the SRI SHARADA MAHILA CO OPERATIVE BANK LTD H O 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 IBKL0362SSM 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 IBKL0362SSM

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 – SRI SHARADA MAHILA CO OPERATIVE BANK LTD H O, 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: IBKL0362SSM.
• 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 Sri Sharada Mahila Co Operative Bank Ltd H O branch sits at J C ROAD,TUMKUR 572101. If you are travelling from outside Tumkur, search for the branch on a maps application using the bank name and locality, or call 91-7760029116 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 IBKL0362SSM and your account number.

Verifying IFSC IBKL0362SSM 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 IBKL0362SSM by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 91-7760029116.
• Visiting the bank's official branch locator page.

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 Sri Sharada Mahila Co Operative Bank Ltd H O branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IBKL0362SSM, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code IBKL0362SSM belongs to IDBI Bank's SRI SHARADA MAHILA CO OPERATIVE BANK LTD H O branch, located at J C ROAD,TUMKUR 572101 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.