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

Below are the complete branch details for Kalupur Commercial Cooperative Bank, ANAND MAHAL ROAD branch, located in SURAT, GUJARAT. The IFSC assigned by the Reserve Bank of India to this branch is KCCB0NPR044. 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 KCCB0NPR044 for Kalupur Commercial Cooperative Bank – ANAND MAHAL ROAD — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 ANAND MAHAL ROAD branch, the IFSC KCCB0NPR044 breaks down as follows: KCCB identifies the bank, 0 is the reserved character, and NPR044 identifies this particular branch.

Bank profile

Kalupur Commercial Cooperative Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Anand Mahal Road branch — IFSC KCCB0NPR044 — extends the bank's services to customers in and around Surat, Gujarat.

About the Anand Mahal Road branch

The Anand Mahal Road branch of Kalupur Commercial Cooperative Bank is situated at MADHAV COMPLEX, NEW RANCHHOD NAGAR, OPP.PRIME ARCADE, ANAND MAHAL ROAD, ADAJAN,SURAT-395009. 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 KCCB0NPR044 is used.

Branch details at a glance

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 ANAND MAHAL ROAD branch came to be assigned the code KCCB0NPR044.

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 KCCB0NPR044, money simply cannot be routed to the ANAND MAHAL ROAD branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Anand Mahal Road branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC KCCB0NPR044 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC KCCB0NPR044

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 KCCB0NPR044 across all three.

How to use IFSC KCCB0NPR044 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Kalupur Commercial Cooperative Bank's ANAND MAHAL ROAD branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC KCCB0NPR044.
4. Confirm the bank name auto-populates as Kalupur Commercial Cooperative Bank and the branch as ANAND MAHAL ROAD.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to ANAND MAHAL ROAD

If you need to transfer ₹2 lakh or more in one go to an account at Kalupur Commercial Cooperative Bank's ANAND MAHAL ROAD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KCCB0NPR044 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Kalupur Commercial Cooperative Bank – ANAND MAHAL ROAD, use IMPS. With IFSC KCCB0NPR044 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

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

All three modes accept the IFSC KCCB0NPR044 for Kalupur Commercial Cooperative Bank – ANAND MAHAL ROAD, 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 Anand Mahal Road 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.

UPI payments and IFSC KCCB0NPR044

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 MAHAL ROAD is still mapped to IFSC KCCB0NPR044. 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 KCCB0NPR044 and the beneficiary's account number to complete the transfer.

Account types you can open at the Anand Mahal Road branch

Once you have an account at Kalupur Commercial Cooperative Bank – ANAND MAHAL ROAD, the IFSC KCCB0NPR044 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 Mahal Road 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 KCCB0NPR044

Online banking and IFSC KCCB0NPR044

Kalupur Commercial Cooperative Bank customers can register for net banking and the bank's official mobile app once their account at the ANAND MAHAL ROAD 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 KCCB0NPR044 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 Anand Mahal Road branch sits at MADHAV COMPLEX, NEW RANCHHOD NAGAR, OPP.PRIME ARCADE, ANAND MAHAL ROAD, ADAJAN,SURAT-395009. If you are travelling from outside Surat, search for the branch on a maps application using the bank name and locality, or call 261-2462848 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 KCCB0NPR044 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 – ANAND MAHAL ROAD:

• The IFSC is exactly KCCB0NPR044 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 ANAND MAHAL ROAD 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 Anand Mahal Road branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KCCB0NPR044, however, work 24x7.

Verifying IFSC KCCB0NPR044 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 KCCB0NPR044 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 261-2462848.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Summary

The IFSC code KCCB0NPR044 belongs to Kalupur Commercial Cooperative Bank's ANAND MAHAL ROAD branch, located at MADHAV COMPLEX, NEW RANCHHOD NAGAR, OPP.PRIME ARCADE, ANAND MAHAL ROAD,… in SURAT, 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.