IFSC Code of IDBI Bank, Mahalakshmi Co Operative Bank Ltd Gangolli Branch Branch, Karnataka

Use this page as a one-stop reference for everything related to IDBI Bank's MAHALAKSHMI CO OPERATIVE BANK LTD GANGOLLI BRANCH branch in UDUPI, KARNATAKA. The branch's IFSC code IBKL0186MC6 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.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for IDBI Bank – MAHALAKSHMI CO OPERATIVE BANK LTD GANGOLLI BRANCH is IBKL0186MC6. The first four letters IBKL are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 186MC6 map to this branch in UDUPI, KARNATAKA.

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 Mahalakshmi Co Operative Bank Ltd Gangolli Branch branch in Udupi, Karnataka is part of this network and uses the IFSC code IBKL0186MC6 for all electronic settlement.

About the Mahalakshmi Co Operative Bank Ltd Gangolli Branch branch

The Mahalakshmi Co Operative Bank Ltd Gangolli Branch branch of IDBI Bank is situated at SRI SIDDHI BUILDING BUNDER GANGOLLI KUNDAPURA 576216. 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 IBKL0186MC6 is used.

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 MAHALAKSHMI CO OPERATIVE BANK LTD GANGOLLI BRANCH branch came to be assigned the code IBKL0186MC6.

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 IBKL0186MC6, money simply cannot be routed to the MAHALAKSHMI CO OPERATIVE BANK LTD GANGOLLI BRANCH branch electronically.

How to transfer money using IFSC IBKL0186MC6

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 IBKL0186MC6 across all three.

NEFT to IDBI Bank, MAHALAKSHMI CO OPERATIVE BANK LTD GANGOLLI BRANCH using IFSC IBKL0186MC6

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 IBKL0186MC6, and confirm that the system picks up IDBI Bank – MAHALAKSHMI CO OPERATIVE BANK LTD GANGOLLI BRANCH. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to MAHALAKSHMI CO OPERATIVE BANK LTD GANGOLLI BRANCH

If you need to transfer ₹2 lakh or more in one go to an account at IDBI Bank's MAHALAKSHMI CO OPERATIVE BANK LTD GANGOLLI BRANCH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IBKL0186MC6 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to IDBI Bank – MAHALAKSHMI CO OPERATIVE BANK LTD GANGOLLI BRANCH, use IMPS. With IFSC IBKL0186MC6 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 IBKL0186MC6 for IDBI Bank – MAHALAKSHMI CO OPERATIVE BANK LTD GANGOLLI BRANCH, 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 Mahalakshmi Co Operative Bank Ltd Gangolli Branch 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 IBKL0186MC6

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 – MAHALAKSHMI CO OPERATIVE BANK LTD GANGOLLI BRANCH is still mapped to IFSC IBKL0186MC6. 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 IBKL0186MC6 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Mahalakshmi Co Operative Bank Ltd Gangolli Branch branch is mapped to IFSC IBKL0186MC6 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 IBKL0186MC6.

Banking services available

The Mahalakshmi Co Operative Bank Ltd Gangolli Branch branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 8254-265049.

• 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 IBKL0186MC6

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 IBKL0186MC6 and the account number together uniquely identify the Mahalakshmi Co Operative Bank Ltd Gangolli Branch branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC IBKL0186MC6

IDBI Bank customers can register for net banking and the bank's official mobile app once their account at the MAHALAKSHMI CO OPERATIVE BANK LTD GANGOLLI BRANCH 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 IBKL0186MC6 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.

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 – MAHALAKSHMI CO OPERATIVE BANK LTD GANGOLLI BRANCH:

• The IFSC is exactly IBKL0186MC6 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 MAHALAKSHMI CO OPERATIVE BANK LTD GANGOLLI BRANCH 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.

Reaching the branch

The Mahalakshmi Co Operative Bank Ltd Gangolli Branch branch sits at SRI SIDDHI BUILDING BUNDER GANGOLLI KUNDAPURA 576216. If you are travelling from outside Udupi, search for the branch on a maps application using the bank name and locality, or call 8254-265049 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 IBKL0186MC6 and your account number.

Verifying IFSC IBKL0186MC6 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 IBKL0186MC6 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 8254-265049.
• 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 Mahalakshmi Co Operative Bank Ltd Gangolli Branch branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC IBKL0186MC6, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code IBKL0186MC6 belongs to IDBI Bank's MAHALAKSHMI CO OPERATIVE BANK LTD GANGOLLI BRANCH branch, located at SRI SIDDHI BUILDING BUNDER GANGOLLI KUNDAPURA 576216 in UDUPI, 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.