IFSC Code of Kalupur Commercial Cooperative Bank, Ring Road Branch, Gujarat

Below are the complete branch details for Kalupur Commercial Cooperative Bank, RING ROAD branch, located in SURAT, GUJARAT. The IFSC assigned by the Reserve Bank of India to this branch is KCCB0RRB065. 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 KCCB0RRB065 for Kalupur Commercial Cooperative Bank – RING 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 RING ROAD branch, the IFSC KCCB0RRB065 breaks down as follows: KCCB identifies the bank, 0 is the reserved character, and RRB065 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 Ring Road branch — IFSC KCCB0RRB065 — extends the bank's services to customers in and around Surat, Gujarat.

Branch details at a glance

Ring Road branch overview

Located at BASEMENT,TEXTILE TOWER MARKET,RING ROAD,SURAT-395002, the Ring Road branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC KCCB0RRB065 is required for all interbank electronic transfers routed through this branch.

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 RING ROAD branch came to be assigned the code KCCB0RRB065.

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 KCCB0RRB065, money simply cannot be routed to the RING ROAD branch electronically.

Products and account variants supported

Every account opened at the Ring Road branch is mapped to IFSC KCCB0RRB065 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 KCCB0RRB065.

Products and services

Customers walking into the Ring 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 KCCB0RRB065

How to transfer money using IFSC KCCB0RRB065

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 KCCB0RRB065 across all three.

NEFT to Kalupur Commercial Cooperative Bank, RING ROAD using IFSC KCCB0RRB065

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 KCCB0RRB065, and confirm that the system picks up Kalupur Commercial Cooperative Bank – RING ROAD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC KCCB0RRB065

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 – RING ROAD, ensure your bank's portal accepts IFSC KCCB0RRB065 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 – RING ROAD, use IMPS. With IFSC KCCB0RRB065 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Ring Road

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 KCCB0RRB065:

• 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 RING ROAD is still linked to IFSC KCCB0RRB065.

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.

UPI payments and IFSC KCCB0RRB065

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 – RING ROAD is still mapped to IFSC KCCB0RRB065. 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 KCCB0RRB065 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 Ring Road 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 KCCB0RRB065 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 KCCB0RRB065 and the account number together uniquely identify the Ring Road 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 – RING ROAD:

• The IFSC is exactly KCCB0RRB065 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 RING 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.

Reaching the branch

The Ring Road branch sits at BASEMENT,TEXTILE TOWER MARKET,RING ROAD,SURAT-395002. If you are travelling from outside Surat, search for the branch on a maps application using the bank name and locality, or call 261-2343475 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 KCCB0RRB065 and your account number.

Verifying IFSC KCCB0RRB065 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 KCCB0RRB065 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 261-2343475.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Ring Road 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 KCCB0RRB065 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: KCCB0RRB065 is the IFSC code of Kalupur Commercial Cooperative Bank, RING ROAD branch, in SURAT, GUJARAT. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.