If you are searching for the IFSC code of Kalupur Commercial Cooperative Bank, KHAMBHAT branch in KHAMBHAT, GUJARAT, this page has every detail you need. The verified IFSC code for this branch is KCCB0KMB027. 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 KHAMBHAT branch, and detailed step-by-step guides for using the IFSC KCCB0KMB027 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.
The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.
The IFSC for Kalupur Commercial Cooperative Bank – KHAMBHAT is KCCB0KMB027. The first four letters KCCB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters KMB027 map to this branch in KHAMBHAT, GUJARAT.
Branch details at a glance
| Bank Name | Kalupur Commercial Cooperative Bank |
|---|---|
| Branch | Khambhat |
| IFSC Code | KCCB0KMB027 |
| MICR Code | Refer to cheque leaf |
| Branch Address | NIJANANDA,NR. DR.COMPLEX, STATION ROAD, KHAMBHAT , TALUKA KHAMBHAT, DIST ANAND-388620 |
| City | Khambhat |
| District | Anand |
| State | Gujarat |
| STD Code | 2698 |
| Phone | 223644 |
About Kalupur Commercial Cooperative Bank
Kalupur Commercial Cooperative Bank operates a wide network of branches across India, including the Khambhat branch in Khambhat. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, KCCB0KMB027.
Khambhat branch overview
Located at NIJANANDA,NR. DR.COMPLEX, STATION ROAD, KHAMBHAT , TALUKA KHAMBHAT, DIST ANAND-388620, the Khambhat branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC KCCB0KMB027 is required for all interbank electronic transfers routed through this branch.
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 KHAMBHAT of Kalupur Commercial Cooperative Bank — its own 11-character IFSC. The code KCCB0KMB027 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 KCCB0KMB027 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 KCCB0KMB027
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 KCCB0KMB027 across all three.
NEFT to Kalupur Commercial Cooperative Bank, KHAMBHAT using IFSC KCCB0KMB027
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 KCCB0KMB027, and confirm that the system picks up Kalupur Commercial Cooperative Bank – KHAMBHAT. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC KCCB0KMB027
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 – KHAMBHAT, ensure your bank's portal accepts IFSC KCCB0KMB027 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Kalupur Commercial Cooperative Bank KHAMBHAT (IFSC KCCB0KMB027)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KCCB0KMB027 in your mobile or internet banking app, and the money is credited to the KHAMBHAT branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Khambhat
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 KCCB0KMB027:
- 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 KHAMBHAT is still linked to IFSC KCCB0KMB027.
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 KHAMBHAT branch, the IFSC KCCB0KMB027 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 Khambhat branch is mapped to IFSC KCCB0KMB027 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 KCCB0KMB027.
Products and services
Customers walking into the Khambhat 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 KCCB0KMB027
MICR & cheque-truncation details
Cheques drawn on the Khambhat branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC KCCB0KMB027 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Digital banking channels
Most day-to-day work that customers used to do at the Khambhat 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 KCCB0KMB027 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.
Common mistakes to avoid when using IFSC KCCB0KMB027
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 – KHAMBHAT, 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:
KCCB0KMB027. - 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 Khambhat branch
The branch is located at NIJANANDA,NR. DR.COMPLEX, STATION ROAD, KHAMBHAT , TALUKA KHAMBHAT, DIST ANAND-388620, which puts it inside Khambhat, the broader Anand district, and the state of Gujarat. To plan your visit:
- Open Google Maps on your phone and search for “Kalupur Commercial Cooperative Bank Khambhat branch” — the verified location pin for IFSC KCCB0KMB027 should appear at the top of the results.
- Confirm the branch is open by calling 2698-223644 before stepping out, especially around public holidays.
- 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 KCCB0KMB027 and your account number.
Verifying IFSC KCCB0KMB027 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 KCCB0KMB027 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 2698-223644.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Khambhat 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 KCCB0KMB027 continue to work without interruption.
Branch address & contact
Kalupur Commercial Cooperative BankKhambhat Branch
NIJANANDA,NR. DR.COMPLEX, STATION ROAD, KHAMBHAT , TALUKA KHAMBHAT, DIST ANAND-388620
Khambhat, Gujarat
Phone: 2698-223644
IFSC: KCCB0KMB027
Frequently asked questions
Can I use IFSC KCCB0KMB027 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC KCCB0KMB027 to send funds instantly.
Does Kalupur Commercial Cooperative Bank Khambhat branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 2698-223644 to confirm.
How do I add Kalupur Commercial Cooperative Bank Khambhat as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC KCCB0KMB027, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the IFSC code of Kalupur Commercial Cooperative Bank Khambhat branch?
The IFSC code of Kalupur Commercial Cooperative Bank, Khambhat branch is KCCB0KMB027. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Khambhat branch but serve different purposes.
What is the phone number of Kalupur Commercial Cooperative Bank Khambhat branch?
You can reach the branch at 2698-223644 during regular banking hours.
Is IFSC KCCB0KMB027 the same for all accounts at Khambhat branch?
Yes. The IFSC KCCB0KMB027 is shared by every account held at Kalupur Commercial Cooperative Bank's Khambhat branch. Only the account number changes from customer to customer.
Is IFSC KCCB0KMB027 valid for NEFT and RTGS?
Yes. IFSC KCCB0KMB027 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Summary
The IFSC code KCCB0KMB027 belongs to Kalupur Commercial Cooperative Bank's KHAMBHAT branch, located at NIJANANDA,NR. DR.COMPLEX, STATION ROAD, KHAMBHAT , TALUKA KHAMBHAT, DIST … in KHAMBHAT, 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.
