If you are searching for the IFSC code of IDBI Bank, MAHALAKSHMI CO OPERATIVE BANK LTD PADU UCHILA BRANCH branch in UDUPI, KARNATAKA, this page has every detail you need. The verified IFSC code for this branch is IBKL0186MC8. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.
You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the MAHALAKSHMI CO OPERATIVE BANK LTD PADU UCHILA BRANCH branch, and detailed step-by-step guides for using the IFSC IBKL0186MC8 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular 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, IBKL0186MC8 is the IFSC of IDBI Bank's MAHALAKSHMI CO OPERATIVE BANK LTD PADU UCHILA BRANCH branch. The format is fixed: IBKL = bank code, 0 = reserved, 186MC8 = branch identifier.
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 Padu Uchila Branch branch in Udupi, Karnataka is part of this network and uses the IFSC code IBKL0186MC8 for all electronic settlement.
Branch details at a glance
| Bank Name | IDBI Bank |
|---|---|
| Branch | Mahalakshmi Co Operative Bank Ltd Padu Uchila Branch |
| IFSC Code | IBKL0186MC8 |
| MICR Code | Refer to cheque leaf |
| Branch Address | MAHALAKSHMI TEMPLE BUILDING UCHILA UDUPI 574117 |
| City | Udupi |
| District | Udipi |
| State | Karnataka |
| STD Code | 820 |
| Phone | 2506098 |
About the Mahalakshmi Co Operative Bank Ltd Padu Uchila Branch branch
The Mahalakshmi Co Operative Bank Ltd Padu Uchila Branch branch of IDBI Bank is situated at MAHALAKSHMI TEMPLE BUILDING UCHILA UDUPI 574117. 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 IBKL0186MC8 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 MAHALAKSHMI CO OPERATIVE BANK LTD PADU UCHILA BRANCH of IDBI Bank — its own 11-character IFSC. The code IBKL0186MC8 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 IBKL0186MC8 the same way you would treat your account number — verify it once and save it carefully for future use.
Products and account variants supported
Every account opened at the Mahalakshmi Co Operative Bank Ltd Padu Uchila Branch branch is mapped to IFSC IBKL0186MC8 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 IBKL0186MC8.
Banking services available
The Mahalakshmi Co Operative Bank Ltd Padu Uchila Branch branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 820-2506098.
- 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 IBKL0186MC8
How to transfer money using IFSC IBKL0186MC8
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 IBKL0186MC8 across all three.
NEFT to IDBI Bank, MAHALAKSHMI CO OPERATIVE BANK LTD PADU UCHILA BRANCH using IFSC IBKL0186MC8
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 IBKL0186MC8, and confirm that the system picks up IDBI Bank – MAHALAKSHMI CO OPERATIVE BANK LTD PADU UCHILA 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 PADU UCHILA 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 PADU UCHILA BRANCH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IBKL0186MC8 while initiating the transfer and the credit will appear within minutes.
IMPS to IDBI Bank MAHALAKSHMI CO OPERATIVE BANK LTD PADU UCHILA BRANCH (IFSC IBKL0186MC8)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IBKL0186MC8 in your mobile or internet banking app, and the money is credited to the MAHALAKSHMI CO OPERATIVE BANK LTD PADU UCHILA BRANCH branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Mahalakshmi Co Operative Bank Ltd Padu Uchila Branch
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 IBKL0186MC8:
- 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 MAHALAKSHMI CO OPERATIVE BANK LTD PADU UCHILA BRANCH is still linked to IFSC IBKL0186MC8.
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.
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 MAHALAKSHMI CO OPERATIVE BANK LTD PADU UCHILA BRANCH branch, the IFSC IBKL0186MC8 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.
Online banking and IFSC IBKL0186MC8
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 PADU UCHILA 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 IBKL0186MC8 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.
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 IBKL0186MC8 and the account number together uniquely identify the Mahalakshmi Co Operative Bank Ltd Padu Uchila Branch branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Common mistakes to avoid when using IFSC IBKL0186MC8
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 – MAHALAKSHMI CO OPERATIVE BANK LTD PADU UCHILA BRANCH, 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:
IBKL0186MC8. - 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 Mahalakshmi Co Operative Bank Ltd Padu Uchila Branch branch
The branch is located at MAHALAKSHMI TEMPLE BUILDING UCHILA UDUPI 574117, which puts it inside Udupi, the broader Udipi district, and the state of Karnataka. To plan your visit:
- Open Google Maps on your phone and search for “IDBI Bank Mahalakshmi Co Operative Bank Ltd Padu Uchila Branch branch” — the verified location pin for IFSC IBKL0186MC8 should appear at the top of the results.
- Confirm the branch is open by calling 820-2506098 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 IBKL0186MC8 and your account number.
Verifying IFSC IBKL0186MC8 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 IBKL0186MC8 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 820-2506098.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Mahalakshmi Co Operative Bank Ltd Padu Uchila Branch 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 IBKL0186MC8 continue to work without interruption.
Branch address & contact
IDBI BankMahalakshmi Co Operative Bank Ltd Padu Uchila Branch Branch
MAHALAKSHMI TEMPLE BUILDING UCHILA UDUPI 574117
Udupi, Karnataka
Phone: 820-2506098
IFSC: IBKL0186MC8
Frequently asked questions
Can I use IFSC IBKL0186MC8 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC IBKL0186MC8 to send funds instantly.
What is the phone number of IDBI Bank Mahalakshmi Co Operative Bank Ltd Padu Uchila Branch branch?
You can reach the branch at 820-2506098 during regular banking hours.
Does IDBI Bank Mahalakshmi Co Operative Bank Ltd Padu Uchila Branch branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 820-2506098 to confirm.
Where is IDBI Bank Mahalakshmi Co Operative Bank Ltd Padu Uchila Branch branch located?
IDBI Bank's Mahalakshmi Co Operative Bank Ltd Padu Uchila Branch branch is located at MAHALAKSHMI TEMPLE BUILDING UCHILA UDUPI 574117, Udupi, Karnataka.
Is IFSC IBKL0186MC8 the same for all accounts at Mahalakshmi Co Operative Bank Ltd Padu Uchila Branch branch?
Yes. The IFSC IBKL0186MC8 is shared by every account held at IDBI Bank's Mahalakshmi Co Operative Bank Ltd Padu Uchila Branch branch. Only the account number changes from customer to customer.
How do I add IDBI Bank Mahalakshmi Co Operative Bank Ltd Padu Uchila Branch as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC IBKL0186MC8, and complete OTP verification. Once activated, you can transfer funds at any time.
Summary
The IFSC code IBKL0186MC8 belongs to IDBI Bank's MAHALAKSHMI CO OPERATIVE BANK LTD PADU UCHILA BRANCH branch, located at MAHALAKSHMI TEMPLE BUILDING UCHILA UDUPI 574117 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.
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