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

Use this page as a one-stop reference for everything related to Kalupur Commercial Cooperative Bank's ANAND branch in ANAND, GUJARAT. The branch's IFSC code KCCB0ANN022 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, KCCB0ANN022 is the IFSC of Kalupur Commercial Cooperative Bank's ANAND branch. The format is fixed: KCCB = bank code, 0 = reserved, ANN022 = branch identifier.

Bank profile

Kalupur Commercial Cooperative Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Anand branch — IFSC KCCB0ANN022 — extends the bank's services to customers in and around Anand, Gujarat.

Branch details at a glance

About this branch

The branch is located at JAY TOWER, AMUL DAIRY ROAD, ANAND, DIST ANAND-388001. It serves the Anand 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 KCCB0ANN022 is used to identify this branch on the RBI payments network.

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 ANAND of Kalupur Commercial Cooperative Bank — its own 11-character IFSC. The code KCCB0ANN022 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 KCCB0ANN022 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 Anand branch

Once you have an account at Kalupur Commercial Cooperative Bank – ANAND, the IFSC KCCB0ANN022 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 Anand 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 KCCB0ANN022

How to transfer money using IFSC KCCB0ANN022

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 KCCB0ANN022 across all three.

NEFT to Kalupur Commercial Cooperative Bank, ANAND using IFSC KCCB0ANN022

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 KCCB0ANN022, and confirm that the system picks up Kalupur Commercial Cooperative Bank – ANAND. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to ANAND

If you need to transfer ₹2 lakh or more in one go to an account at Kalupur Commercial Cooperative Bank's ANAND branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KCCB0ANN022 while initiating the transfer and the credit will appear within minutes.

IMPS to Kalupur Commercial Cooperative Bank ANAND (IFSC KCCB0ANN022)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KCCB0ANN022 in your mobile or internet banking app, and the money is credited to the ANAND branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Anand

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 KCCB0ANN022:

• 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 ANAND is still linked to IFSC KCCB0ANN022.

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 KCCB0ANN022

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 Kalupur Commercial Cooperative Bank – ANAND is still mapped to IFSC KCCB0ANN022. 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 KCCB0ANN022 and the beneficiary's account number to complete the transfer.

Digital banking channels

Most day-to-day work that customers used to do at the Anand branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC KCCB0ANN022 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.

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 KCCB0ANN022 and the account number together uniquely identify the Anand 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 KCCB0ANN022

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 – ANAND, 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: KCCB0ANN022.
• 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 Anand branch sits at JAY TOWER, AMUL DAIRY ROAD, ANAND, DIST ANAND-388001. If you are travelling from outside Anand, search for the branch on a maps application using the bank name and locality, or call 2692-240303 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 KCCB0ANN022 and your account number.

Verifying IFSC KCCB0ANN022 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 KCCB0ANN022 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 2692-240303.
• 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 Anand branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KCCB0ANN022, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: KCCB0ANN022 is the IFSC code of Kalupur Commercial Cooperative Bank, ANAND branch, in ANAND, 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.