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

Below are the complete branch details for Kalupur Commercial Cooperative Bank, PANDESARA branch, located in SURAT, GUJARAT. The IFSC assigned by the Reserve Bank of India to this branch is KCCB0PSR041. 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 KCCB0PSR041 for Kalupur Commercial Cooperative Bank – PANDESARA — 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, KCCB0PSR041 is the IFSC of Kalupur Commercial Cooperative Bank's PANDESARA branch. The format is fixed: KCCB = bank code, 0 = reserved, PSR041 = branch identifier.

About Kalupur Commercial Cooperative Bank

Kalupur Commercial Cooperative Bank operates a wide network of branches across India, including the Pandesara branch in Surat. 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, KCCB0PSR041.

About the Pandesara branch

The Pandesara branch of Kalupur Commercial Cooperative Bank is situated at 240 SHIV NAGAR SOCIETY,G.I.D.C ROAD,PANDESARA,SURAT - 394221. 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 KCCB0PSR041 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 PANDESARA branch came to be assigned the code KCCB0PSR041.

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 KCCB0PSR041, money simply cannot be routed to the PANDESARA branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Pandesara branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC KCCB0PSR041 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 KCCB0PSR041

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 KCCB0PSR041 across all three.

NEFT to Kalupur Commercial Cooperative Bank, PANDESARA using IFSC KCCB0PSR041

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 KCCB0PSR041, and confirm that the system picks up Kalupur Commercial Cooperative Bank – PANDESARA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to PANDESARA

If you need to transfer ₹2 lakh or more in one go to an account at Kalupur Commercial Cooperative Bank's PANDESARA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KCCB0PSR041 while initiating the transfer and the credit will appear within minutes.

IMPS to Kalupur Commercial Cooperative Bank PANDESARA (IFSC KCCB0PSR041)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KCCB0PSR041 in your mobile or internet banking app, and the money is credited to the PANDESARA branch account within seconds.

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

All three modes accept the IFSC KCCB0PSR041 for Kalupur Commercial Cooperative Bank – PANDESARA, 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 Pandesara 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 KCCB0PSR041

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 – PANDESARA is still mapped to IFSC KCCB0PSR041. 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 KCCB0PSR041 and the beneficiary's account number to complete the transfer.

Account types you can open at the Pandesara branch

Once you have an account at Kalupur Commercial Cooperative Bank – PANDESARA, the IFSC KCCB0PSR041 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.

Banking services available

The Pandesara branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 261-2893245.

• 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 KCCB0PSR041

Online banking and IFSC KCCB0PSR041

Kalupur Commercial Cooperative Bank customers can register for net banking and the bank's official mobile app once their account at the PANDESARA 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 KCCB0PSR041 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.

How to reach the Pandesara branch

The branch is located at 240 SHIV NAGAR SOCIETY,G.I.D.C ROAD,PANDESARA,SURAT - 394221, 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 Pandesara branch” — the verified location pin for IFSC KCCB0PSR041 should appear at the top of the results.
2. Confirm the branch is open by calling 261-2893245 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 KCCB0PSR041 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 – PANDESARA:

• The IFSC is exactly KCCB0PSR041 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 PANDESARA 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 Pandesara branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KCCB0PSR041, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC KCCB0PSR041 for Kalupur Commercial Cooperative Bank – PANDESARA, 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 KCCB0PSR041 belongs to Kalupur Commercial Cooperative Bank's PANDESARA branch, located at 240 SHIV NAGAR SOCIETY,G.I.D.C ROAD,PANDESARA,SURAT - 394221 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.