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

Below are the complete branch details for Kalupur Commercial Cooperative Bank, BHAGAL branch, located in SURAT, GUJARAT. The IFSC assigned by the Reserve Bank of India to this branch is KCCB0BGL043. 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 KCCB0BGL043 for Kalupur Commercial Cooperative Bank – BHAGAL — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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, KCCB0BGL043 is the IFSC of Kalupur Commercial Cooperative Bank's BHAGAL branch. The format is fixed: KCCB = bank code, 0 = reserved, BGL043 = 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 Bhagal branch in Surat, Gujarat is part of this network and uses the IFSC code KCCB0BGL043 for all electronic settlement.

Branch details at a glance

About the Bhagal branch

The Bhagal branch of Kalupur Commercial Cooperative Bank is situated at 16,17 AARYAMAN ARCADE,OPP. GAJANAN LIBRARY,TOWER ROAD, BHAGAL,SURAT - 395003. 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 KCCB0BGL043 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 BHAGAL of Kalupur Commercial Cooperative Bank — its own 11-character IFSC. The code KCCB0BGL043 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 KCCB0BGL043 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Bhagal branch is mapped to IFSC KCCB0BGL043 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 KCCB0BGL043.

Products and services

Customers walking into the Bhagal 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 KCCB0BGL043

How to transfer money using IFSC KCCB0BGL043

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 KCCB0BGL043 across all three.

NEFT to Kalupur Commercial Cooperative Bank, BHAGAL using IFSC KCCB0BGL043

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 KCCB0BGL043, and confirm that the system picks up Kalupur Commercial Cooperative Bank – BHAGAL. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to BHAGAL

If you need to transfer ₹2 lakh or more in one go to an account at Kalupur Commercial Cooperative Bank's BHAGAL branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KCCB0BGL043 while initiating the transfer and the credit will appear within minutes.

IMPS to Kalupur Commercial Cooperative Bank BHAGAL (IFSC KCCB0BGL043)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KCCB0BGL043 in your mobile or internet banking app, and the money is credited to the BHAGAL branch account within seconds.

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

All three modes accept the IFSC KCCB0BGL043 for Kalupur Commercial Cooperative Bank – BHAGAL, 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 Bhagal 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 KCCB0BGL043

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 – BHAGAL is still mapped to IFSC KCCB0BGL043. 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 KCCB0BGL043 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 Bhagal 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 KCCB0BGL043 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 KCCB0BGL043 and the account number together uniquely identify the Bhagal branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – BHAGAL:

• The IFSC is exactly KCCB0BGL043 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 BHAGAL 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 Bhagal branch

The branch is located at 16,17 AARYAMAN ARCADE,OPP. GAJANAN LIBRARY,TOWER ROAD, BHAGAL,SURAT - 395003, which puts it inside Surat, the broader Surat district, and the state of Gujarat. To plan your visit:

1. Open Google Maps on your phone and search for “Kalupur Commercial Cooperative Bank Bhagal branch” — the verified location pin for IFSC KCCB0BGL043 should appear at the top of the results.
2. Confirm the branch is open by calling 261-2453054 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 KCCB0BGL043 and your account number.

Verifying IFSC KCCB0BGL043 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 KCCB0BGL043 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 261-2453054.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Bhagal 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 KCCB0BGL043 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code KCCB0BGL043 belongs to Kalupur Commercial Cooperative Bank's BHAGAL branch, located at 16,17 AARYAMAN ARCADE,OPP. GAJANAN LIBRARY,TOWER ROAD, BHAGAL,SURAT - 395003 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.