IFSC Code of Kalupur Commercial Cooperative Bank, City Light Branch, Gujarat

This page lists the IFSC code, branch address, contact number and fund-transfer information for Kalupur Commercial Cooperative Bank, CITY LIGHT branch in SURAT. The 11-digit IFSC KCCB0CLB066 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 CITY LIGHT 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, KCCB0CLB066 is the IFSC of Kalupur Commercial Cooperative Bank's CITY LIGHT branch. The format is fixed: KCCB = bank code, 0 = reserved, CLB066 = 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 City Light branch in Surat, Gujarat is part of this network and uses the IFSC code KCCB0CLB066 for all electronic settlement.

About the City Light branch

The City Light branch of Kalupur Commercial Cooperative Bank is situated at 2ND FLOOR,AGRASEN POINT,CITY LIGHT,SURAT-395007. 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 KCCB0CLB066 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 CITY LIGHT branch came to be assigned the code KCCB0CLB066.

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 KCCB0CLB066, money simply cannot be routed to the CITY LIGHT branch electronically.

MICR & cheque-truncation details

Cheques drawn on the City Light branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC KCCB0CLB066 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 KCCB0CLB066

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 KCCB0CLB066 across all three.

How to use IFSC KCCB0CLB066 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Kalupur Commercial Cooperative Bank's CITY LIGHT 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 KCCB0CLB066.
4. Confirm the bank name auto-populates as Kalupur Commercial Cooperative Bank and the branch as CITY LIGHT.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC KCCB0CLB066

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 – CITY LIGHT, ensure your bank's portal accepts IFSC KCCB0CLB066 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 – CITY LIGHT, use IMPS. With IFSC KCCB0CLB066 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 KCCB0CLB066 for Kalupur Commercial Cooperative Bank – CITY LIGHT, 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 City Light 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 KCCB0CLB066

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 – CITY LIGHT is still mapped to IFSC KCCB0CLB066. 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 KCCB0CLB066 and the beneficiary's account number to complete the transfer.

Account types you can open at the City Light branch

Once you have an account at Kalupur Commercial Cooperative Bank – CITY LIGHT, the IFSC KCCB0CLB066 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 City Light 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 KCCB0CLB066

Digital banking channels

Most day-to-day work that customers used to do at the City Light 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 KCCB0CLB066 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.

Reaching the branch

The City Light branch sits at 2ND FLOOR,AGRASEN POINT,CITY LIGHT,SURAT-395007. If you are travelling from outside Surat, search for the branch on a maps application using the bank name and locality, or call 261-2256450 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 KCCB0CLB066 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 – CITY LIGHT:

• The IFSC is exactly KCCB0CLB066 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 CITY LIGHT 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 City Light branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KCCB0CLB066, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC KCCB0CLB066 for Kalupur Commercial Cooperative Bank – CITY LIGHT, 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 KCCB0CLB066 belongs to Kalupur Commercial Cooperative Bank's CITY LIGHT branch, located at 2ND FLOOR,AGRASEN POINT,CITY LIGHT,SURAT-395007 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.