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

This page lists the IFSC code, branch address, contact number and fund-transfer information for Kalupur Commercial Cooperative Bank, GANDHINAGAR branch in GANDHINAGAR. The 11-digit IFSC KCCB0GNR038 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 Kalupur Commercial Cooperative Bank at the GANDHINAGAR 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.

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, KCCB0GNR038 is the IFSC of Kalupur Commercial Cooperative Bank's GANDHINAGAR branch. The format is fixed: KCCB = bank code, 0 = reserved, GNR038 = branch identifier.

About the bank

Kalupur Commercial Cooperative Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Gandhinagar branch in Gandhinagar, Gujarat is part of this network and uses the IFSC code KCCB0GNR038 for all electronic settlement.

About the Gandhinagar branch

The Gandhinagar branch of Kalupur Commercial Cooperative Bank is situated at KADI SARVE VIDHLAYAY CAMPUS, GATE NO.1, NEAR GH-6,SECTOR-23,GANDHINAGAR-382023. 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 KCCB0GNR038 is used.

Branch details at a glance

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 GANDHINAGAR of Kalupur Commercial Cooperative Bank — its own 11-character IFSC. The code KCCB0GNR038 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 KCCB0GNR038 the same way you would treat your account number — verify it once and save it carefully for future use.

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 KCCB0GNR038 and the account number together uniquely identify the Gandhinagar branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC KCCB0GNR038

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 KCCB0GNR038 across all three.

NEFT to Kalupur Commercial Cooperative Bank, GANDHINAGAR using IFSC KCCB0GNR038

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 KCCB0GNR038, and confirm that the system picks up Kalupur Commercial Cooperative Bank – GANDHINAGAR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC KCCB0GNR038

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 Kalupur Commercial Cooperative Bank – GANDHINAGAR, ensure your bank's portal accepts IFSC KCCB0GNR038 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Kalupur Commercial Cooperative Bank – GANDHINAGAR, use IMPS. With IFSC KCCB0GNR038 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Gandhinagar

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 KCCB0GNR038:

• 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 GANDHINAGAR is still linked to IFSC KCCB0GNR038.

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.

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 GANDHINAGAR branch, the IFSC KCCB0GNR038 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 Gandhinagar branch is mapped to IFSC KCCB0GNR038 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 KCCB0GNR038.

Banking services available

The Gandhinagar branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 79-23241962.

• 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 KCCB0GNR038

Online banking and IFSC KCCB0GNR038

Kalupur Commercial Cooperative Bank customers can register for net banking and the bank's official mobile app once their account at the GANDHINAGAR 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 KCCB0GNR038 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.

Reaching the branch

The Gandhinagar branch sits at KADI SARVE VIDHLAYAY CAMPUS, GATE NO.1, NEAR GH-6,SECTOR-23,GANDHINAGAR-382023. If you are travelling from outside Gandhinagar, search for the branch on a maps application using the bank name and locality, or call 79-23241962 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 KCCB0GNR038 and your account number.

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 – GANDHINAGAR:

• The IFSC is exactly KCCB0GNR038 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 GANDHINAGAR 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.

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 Gandhinagar branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KCCB0GNR038, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC KCCB0GNR038 for Kalupur Commercial Cooperative Bank – GANDHINAGAR, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

Branch address & contact

Frequently asked questions

Summary

The IFSC code KCCB0GNR038 belongs to Kalupur Commercial Cooperative Bank's GANDHINAGAR branch, located at KADI SARVE VIDHLAYAY CAMPUS, GATE NO.1, NEAR GH-6,SECTOR-23,GANDHINAGAR-382023 in GANDHINAGAR, 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.