IFSC Code of IDBI Bank, The Maharaja Co Opeartive Urban Bank Ltd Branch, Andhra Pradesh

This page lists the IFSC code, branch address, contact number and fund-transfer information for IDBI Bank, THE MAHARAJA CO OPEARTIVE URBAN BANK LTD branch in VISAKHAPATNAM. The 11-digit IFSC IBKL0031MCB uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with IDBI Bank at the THE MAHARAJA CO OPEARTIVE URBAN BANK LTD location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.

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 – THE MAHARAJA CO OPEARTIVE URBAN BANK LTD is IBKL0031MCB. The first four letters IBKL are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 031MCB map to this branch in VISAKHAPATNAM, ANDHRA PRADESH.

About IDBI Bank

IDBI Bank operates a wide network of branches across India, including the The Maharaja Co Opeartive Urban Bank Ltd branch in Visakhapatnam. 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, IBKL0031MCB.

Branch details at a glance

About this branch

The branch is located at 47 9 143RD LANE DWARAKANAGAR VISAKHAPATNAM 16. It serves the Visakhapatnam 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 IBKL0031MCB 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 THE MAHARAJA CO OPEARTIVE URBAN BANK LTD of IDBI Bank — its own 11-character IFSC. The code IBKL0031MCB 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 IBKL0031MCB the same way you would treat your account number — verify it once and save it carefully for future use.

Account types you can open at the The Maharaja Co Opeartive Urban Bank Ltd branch

Once you have an account at IDBI Bank – THE MAHARAJA CO OPEARTIVE URBAN BANK LTD, the IFSC IBKL0031MCB 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.

Products and services

Customers walking into the The Maharaja Co Opeartive Urban Bank Ltd branch can access most of IDBI Bank's standard product suite, including:

• Account opening – savings, current, NRI, salary
• Term deposits and recurring deposits
• Retail and small-business loans
• Insurance and mutual-fund tie-ups
• Locker, safe deposit and ATM card services
• Online and mobile banking activation
• Electronic transfers via IFSC IBKL0031MCB

How to transfer money using IFSC IBKL0031MCB

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 IBKL0031MCB across all three.

How to use IFSC IBKL0031MCB for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to IDBI Bank's THE MAHARAJA CO OPEARTIVE URBAN BANK LTD branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC IBKL0031MCB.
4. Confirm the bank name auto-populates as IDBI Bank and the branch as THE MAHARAJA CO OPEARTIVE URBAN BANK LTD.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to THE MAHARAJA CO OPEARTIVE URBAN BANK LTD

If you need to transfer ₹2 lakh or more in one go to an account at IDBI Bank's THE MAHARAJA CO OPEARTIVE URBAN BANK LTD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC IBKL0031MCB 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 – THE MAHARAJA CO OPEARTIVE URBAN BANK LTD, use IMPS. With IFSC IBKL0031MCB 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 IBKL0031MCB for IDBI Bank – THE MAHARAJA CO OPEARTIVE URBAN BANK LTD, 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 The Maharaja Co Opeartive Urban Bank Ltd 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 THE MAHARAJA CO OPEARTIVE URBAN BANK LTD branch, the IFSC IBKL0031MCB 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 IBKL0031MCB

IDBI Bank customers can register for net banking and the bank's official mobile app once their account at the THE MAHARAJA CO OPEARTIVE URBAN BANK LTD 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 IBKL0031MCB 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 & cheque-truncation details

Cheques drawn on the The Maharaja Co Opeartive Urban Bank Ltd branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IBKL0031MCB for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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 – THE MAHARAJA CO OPEARTIVE URBAN BANK LTD:

• The IFSC is exactly IBKL0031MCB 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 THE MAHARAJA CO OPEARTIVE URBAN BANK LTD 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 The Maharaja Co Opeartive Urban Bank Ltd branch

The branch is located at 47 9 143RD LANE DWARAKANAGAR VISAKHAPATNAM 16, which puts it inside Visakhapatnam, the broader Vishakhapatnam district, and the state of Andhra Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “IDBI Bank The Maharaja Co Opeartive Urban Bank Ltd branch” — the verified location pin for IFSC IBKL0031MCB should appear at the top of the results.
2. Confirm the branch is open by calling 91-9618328883 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 IBKL0031MCB and your account number.

Verifying IFSC IBKL0031MCB 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 IBKL0031MCB by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 91-9618328883.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at The Maharaja Co Opeartive Urban Bank Ltd 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 IBKL0031MCB continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: IBKL0031MCB is the IFSC code of IDBI Bank, THE MAHARAJA CO OPEARTIVE URBAN BANK LTD branch, in VISAKHAPATNAM, ANDHRA PRADESH. 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.