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

If you are searching for the IFSC code of Kalupur Commercial Cooperative Bank, USHMANPURA branch in AHMEDABAD, GUJARAT, this page has every detail you need. The verified IFSC code for this branch is KCCB0USM006. 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 USHMANPURA branch, and detailed step-by-step guides for using the IFSC KCCB0USM006 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.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For Kalupur Commercial Cooperative Bank's USHMANPURA branch, the IFSC KCCB0USM006 breaks down as follows: KCCB identifies the bank, 0 is the reserved character, and USM006 identifies this particular branch.

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 Ushmanpura branch — IFSC KCCB0USM006 — extends the bank's services to customers in and around Ahmedabad, Gujarat.

About the Ushmanpura branch

The Ushmanpura branch of Kalupur Commercial Cooperative Bank is situated at KIRTISAGAR COMPLEX, NR. RANCHODJI MANDIR, USMANPURA, AHMEDABAD-380014. 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 KCCB0USM006 is used.

Why every Kalupur Commercial Cooperative 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 USHMANPURA of Kalupur Commercial Cooperative Bank — its own 11-character IFSC. The code KCCB0USM006 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 KCCB0USM006 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC KCCB0USM006

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 KCCB0USM006 across all three.

NEFT to Kalupur Commercial Cooperative Bank, USHMANPURA using IFSC KCCB0USM006

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 KCCB0USM006, and confirm that the system picks up Kalupur Commercial Cooperative Bank – USHMANPURA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to USHMANPURA

If you need to transfer ₹2 lakh or more in one go to an account at Kalupur Commercial Cooperative Bank's USHMANPURA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KCCB0USM006 while initiating the transfer and the credit will appear within minutes.

IMPS to Kalupur Commercial Cooperative Bank USHMANPURA (IFSC KCCB0USM006)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KCCB0USM006 in your mobile or internet banking app, and the money is credited to the USHMANPURA branch account within seconds.

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

All three modes accept the IFSC KCCB0USM006 for Kalupur Commercial Cooperative Bank – USHMANPURA, 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 Ushmanpura 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 USHMANPURA branch, the IFSC KCCB0USM006 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.

Account types you can open at the Ushmanpura branch

Once you have an account at Kalupur Commercial Cooperative Bank – USHMANPURA, the IFSC KCCB0USM006 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 Ushmanpura branch can access most of Kalupur Commercial Cooperative 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 KCCB0USM006

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 KCCB0USM006 and the account number together uniquely identify the Ushmanpura branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC KCCB0USM006

Kalupur Commercial Cooperative Bank customers can register for net banking and the bank's official mobile app once their account at the USHMANPURA 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 KCCB0USM006 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.

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 Kalupur Commercial Cooperative Bank – USHMANPURA:

• The IFSC is exactly KCCB0USM006 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills Kalupur Commercial Cooperative Bank as the bank name and USHMANPURA 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 Ushmanpura branch

The branch is located at KIRTISAGAR COMPLEX, NR. RANCHODJI MANDIR, USMANPURA, AHMEDABAD-380014, 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 Ushmanpura branch” — the verified location pin for IFSC KCCB0USM006 should appear at the top of the results.
2. Confirm the branch is open by calling 79-27561140 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 KCCB0USM006 and your account number.

Verifying IFSC KCCB0USM006 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 KCCB0USM006 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 79-27561140.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Ushmanpura 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 KCCB0USM006 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code KCCB0USM006 belongs to Kalupur Commercial Cooperative Bank's USHMANPURA branch, located at KIRTISAGAR COMPLEX, NR. RANCHODJI MANDIR, USMANPURA, AHMEDABAD-380014 in AHMEDABAD, GUJARAT. 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.