IFSC Code of Indian Bank, The Sirsi Urban Sahakari Bank Limited Branch, Karnataka

Below are the complete branch details for Indian Bank, THE SIRSI URBAN SAHAKARI BANK LIMITED branch, located in SIRSI, KARNATAKA. The IFSC assigned by the Reserve Bank of India to this branch is IDIB0CBKASU. 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 IDIB0CBKASU for Indian Bank – THE SIRSI URBAN SAHAKARI BANK LIMITED — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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, IDIB0CBKASU is the IFSC of Indian Bank's THE SIRSI URBAN SAHAKARI BANK LIMITED branch. The format is fixed: IDIB = bank code, 0 = reserved, CBKASU = branch identifier.

About the bank

Indian Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its The Sirsi Urban Sahakari Bank Limited branch in Sirsi, Karnataka is part of this network and uses the IFSC code IDIB0CBKASU for all electronic settlement.

Branch details at a glance

About this branch

The branch is located at P B NO.1, RAYERPETH, SIRSI-581401. It serves the Sirsi region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Indian Bank. The IFSC IDIB0CBKASU is used to identify this branch on the RBI payments network.

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 Indian Bank's THE SIRSI URBAN SAHAKARI BANK LIMITED branch came to be assigned the code IDIB0CBKASU.

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 IDIB0CBKASU, money simply cannot be routed to the THE SIRSI URBAN SAHAKARI BANK LIMITED branch electronically.

Products and account variants supported

Every account opened at the The Sirsi Urban Sahakari Bank Limited branch is mapped to IFSC IDIB0CBKASU on the RBI payments network. The branch generally supports the full retail product catalogue of Indian 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 IDIB0CBKASU.

Products and services

Customers walking into the The Sirsi Urban Sahakari Bank Limited branch can access most of Indian 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 IDIB0CBKASU

How to transfer money using IFSC IDIB0CBKASU

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 IDIB0CBKASU across all three.

NEFT to Indian Bank, THE SIRSI URBAN SAHAKARI BANK LIMITED using IFSC IDIB0CBKASU

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 IDIB0CBKASU, and confirm that the system picks up Indian Bank – THE SIRSI URBAN SAHAKARI BANK LIMITED. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC IDIB0CBKASU

RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to Indian Bank – THE SIRSI URBAN SAHAKARI BANK LIMITED, ensure your bank's portal accepts IFSC IDIB0CBKASU while registering the beneficiary. RTGS is also available 24x7.

IMPS to Indian Bank THE SIRSI URBAN SAHAKARI BANK LIMITED (IFSC IDIB0CBKASU)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC IDIB0CBKASU in your mobile or internet banking app, and the money is credited to the THE SIRSI URBAN SAHAKARI BANK LIMITED branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to The Sirsi Urban Sahakari Bank Limited

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 IDIB0CBKASU:

• 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 THE SIRSI URBAN SAHAKARI BANK LIMITED is still linked to IFSC IDIB0CBKASU.

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 IDIB0CBKASU

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 Indian Bank – THE SIRSI URBAN SAHAKARI BANK LIMITED is still mapped to IFSC IDIB0CBKASU. 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 IDIB0CBKASU and the beneficiary's account number to complete the transfer.

Online banking and IFSC IDIB0CBKASU

Indian Bank customers can register for net banking and the bank's official mobile app once their account at the THE SIRSI URBAN SAHAKARI BANK LIMITED 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 IDIB0CBKASU 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 Indian Bank carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC IDIB0CBKASU and the account number together uniquely identify the The Sirsi Urban Sahakari Bank Limited 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 IDIB0CBKASU

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 Indian Bank – THE SIRSI URBAN SAHAKARI BANK LIMITED, 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: IDIB0CBKASU.
• 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 The Sirsi Urban Sahakari Bank Limited branch sits at P B NO.1, RAYERPETH, SIRSI-581401. If you are travelling from outside Sirsi, search for the branch on a maps application using the bank name and locality, or call 8384-226643 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 IDIB0CBKASU and your account number.

Verifying IFSC IDIB0CBKASU 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 IDIB0CBKASU by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 8384-226643.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at The Sirsi Urban Sahakari Bank Limited 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 IDIB0CBKASU continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: IDIB0CBKASU is the IFSC code of Indian Bank, THE SIRSI URBAN SAHAKARI BANK LIMITED branch, in SIRSI, 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.