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

Use this page as a one-stop reference for everything related to IDBI Bank's MAHALAKSHMI CO OPERATIVE BANK LTD UDUPI branch in UDUPI, KARNATAKA. The branch's IFSC code IBKL0186MC3 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, IBKL0186MC3 is the IFSC of IDBI Bank's MAHALAKSHMI CO OPERATIVE BANK LTD UDUPI branch. The format is fixed: IBKL = bank code, 0 = reserved, 186MC3 = branch identifier.

Bank profile

IDBI Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Mahalakshmi Co Operative Bank Ltd Udupi branch — IFSC IBKL0186MC3 — extends the bank's services to customers in and around Udupi, Karnataka.

Branch details at a glance

About this branch

The branch is located at PADMAVTHI COMPLEX, 1ST FLOOR, CHURCH ROAD, KUNDAPURA 576201. It serves the Udupi region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of IDBI Bank. The IFSC IBKL0186MC3 is used to identify this branch on the RBI payments network.

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 UDUPI of IDBI Bank — its own 11-character IFSC. The code IBKL0186MC3 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 IBKL0186MC3 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 Udupi branch is mapped to IFSC IBKL0186MC3 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 IBKL0186MC3.

Banking services available

The Mahalakshmi Co Operative Bank Ltd Udupi branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 820-2528812.

• 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 IBKL0186MC3

How to transfer money using IFSC IBKL0186MC3

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 IBKL0186MC3 across all three.

NEFT to IDBI Bank, MAHALAKSHMI CO OPERATIVE BANK LTD UDUPI using IFSC IBKL0186MC3

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 IBKL0186MC3, and confirm that the system picks up IDBI Bank – MAHALAKSHMI CO OPERATIVE BANK LTD UDUPI. 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 UDUPI

If you need to transfer ₹2 lakh or more in one go to an account at IDBI Bank's MAHALAKSHMI CO OPERATIVE BANK LTD UDUPI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IBKL0186MC3 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 UDUPI, use IMPS. With IFSC IBKL0186MC3 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Mahalakshmi Co Operative Bank Ltd Udupi

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 IBKL0186MC3:

• 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 UDUPI is still linked to IFSC IBKL0186MC3.

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 IBKL0186MC3

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 UDUPI is still mapped to IFSC IBKL0186MC3. 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 IBKL0186MC3 and the beneficiary's account number to complete the transfer.

Online banking and IFSC IBKL0186MC3

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 UDUPI 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 IBKL0186MC3 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 IBKL0186MC3 and the account number together uniquely identify the Mahalakshmi Co Operative Bank Ltd Udupi 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 IBKL0186MC3

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 UDUPI, 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: IBKL0186MC3.
• 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 Udupi branch

The branch is located at PADMAVTHI COMPLEX, 1ST FLOOR, CHURCH ROAD, KUNDAPURA 576201, which puts it inside Udupi, the broader Udupi district, and the state of Karnataka. To plan your visit:

1. Open Google Maps on your phone and search for “IDBI Bank Mahalakshmi Co Operative Bank Ltd Udupi branch” — the verified location pin for IFSC IBKL0186MC3 should appear at the top of the results.
2. Confirm the branch is open by calling 820-2528812 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 IBKL0186MC3 and your account number.

Verifying IFSC IBKL0186MC3 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 IBKL0186MC3 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 820-2528812.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Mahalakshmi Co Operative Bank Ltd Udupi 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 IBKL0186MC3 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: IBKL0186MC3 is the IFSC code of IDBI Bank, MAHALAKSHMI CO OPERATIVE BANK LTD UDUPI branch, in UDUPI, 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.