IFSC Code of Kalupur Commercial Cooperative Bank, Kathwada Branch, Gujarat

Below are the complete branch details for Kalupur Commercial Cooperative Bank, KATHWADA branch, located in AHMEDABAD, GUJARAT. The IFSC assigned by the Reserve Bank of India to this branch is KCCB0KTW039. 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 KCCB0KTW039 for Kalupur Commercial Cooperative Bank – KATHWADA — 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, KCCB0KTW039 is the IFSC of Kalupur Commercial Cooperative Bank's KATHWADA branch. The format is fixed: KCCB = bank code, 0 = reserved, KTW039 = branch identifier.

Branch details at a glance

Bank profile

Kalupur Commercial Cooperative Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Kathwada branch — IFSC KCCB0KTW039 — extends the bank's services to customers in and around Ahmedabad, Gujarat.

About this branch

The branch is located at PLOT NO - 545,DIVYA MANGAL ARCAD,KATHWADA GIDC,AHMEDABAD - 382430. It serves the Ahmedabad region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Kalupur Commercial Cooperative Bank. The IFSC KCCB0KTW039 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 Kalupur Commercial Cooperative Bank's KATHWADA branch came to be assigned the code KCCB0KTW039.

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 KCCB0KTW039, money simply cannot be routed to the KATHWADA branch electronically.

How to transfer money using IFSC KCCB0KTW039

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 KCCB0KTW039 across all three.

NEFT to Kalupur Commercial Cooperative Bank, KATHWADA using IFSC KCCB0KTW039

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 KCCB0KTW039, and confirm that the system picks up Kalupur Commercial Cooperative Bank – KATHWADA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to KATHWADA

If you need to transfer ₹2 lakh or more in one go to an account at Kalupur Commercial Cooperative Bank's KATHWADA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KCCB0KTW039 while initiating the transfer and the credit will appear within minutes.

IMPS to Kalupur Commercial Cooperative Bank KATHWADA (IFSC KCCB0KTW039)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KCCB0KTW039 in your mobile or internet banking app, and the money is credited to the KATHWADA branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC KCCB0KTW039 for Kalupur Commercial Cooperative Bank – KATHWADA, 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 Kathwada 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 Kalupur Commercial Cooperative Bank's KATHWADA branch, the IFSC KCCB0KTW039 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.

Products and account variants supported

Every account opened at the Kathwada branch is mapped to IFSC KCCB0KTW039 on the RBI payments network. The branch generally supports the full retail product catalogue of Kalupur Commercial Cooperative 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 KCCB0KTW039.

Banking services available

The Kathwada branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 79-65218442.

• 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 KCCB0KTW039

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by Kalupur Commercial Cooperative Bank carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC KCCB0KTW039 and the account number together uniquely identify the Kathwada branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC KCCB0KTW039

Kalupur Commercial Cooperative Bank customers can register for net banking and the bank's official mobile app once their account at the KATHWADA 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 KCCB0KTW039 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.

Common mistakes to avoid when using IFSC KCCB0KTW039

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 Kalupur Commercial Cooperative Bank – KATHWADA, 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: KCCB0KTW039.
• 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 Kathwada branch

The branch is located at PLOT NO - 545,DIVYA MANGAL ARCAD,KATHWADA GIDC,AHMEDABAD - 382430, which puts it inside Ahmedabad, the broader Ahmedabad district, and the state of Gujarat. To plan your visit:

1. Open Google Maps on your phone and search for “Kalupur Commercial Cooperative Bank Kathwada branch” — the verified location pin for IFSC KCCB0KTW039 should appear at the top of the results.
2. Confirm the branch is open by calling 79-65218442 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 KCCB0KTW039 and your account number.

Verifying IFSC KCCB0KTW039 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 KCCB0KTW039 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 79-65218442.
• 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 Kathwada branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KCCB0KTW039, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: KCCB0KTW039 is the IFSC code of Kalupur Commercial Cooperative Bank, KATHWADA branch, in AHMEDABAD, GUJARAT. 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.