IFSC Code of Kalupur Commercial Cooperative Bank, Textile Market - Surat Branch, Gujarat

Below are the complete branch details for Kalupur Commercial Cooperative Bank, TEXTILE MARKET - SURAT branch, located in SURAT, GUJARAT. The IFSC assigned by the Reserve Bank of India to this branch is KCCB0TXM032. 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 KCCB0TXM032 for Kalupur Commercial Cooperative Bank – TEXTILE MARKET - SURAT — 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 TEXTILE MARKET - SURAT branch, the IFSC KCCB0TXM032 breaks down as follows: KCCB identifies the bank, 0 is the reserved character, and TXM032 identifies this particular branch.

Branch details at a glance

About Kalupur Commercial Cooperative Bank

Kalupur Commercial Cooperative Bank operates a wide network of branches across India, including the Textile Market - Surat 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, KCCB0TXM032.

Textile Market - Surat branch overview

Located at 38-39, AJANTA SHOPPING CENTRE,NEAR KINNARI CINEMA,RING ROAD,SURAT-395002, the Textile Market - Surat branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC KCCB0TXM032 is required for all interbank electronic transfers routed through this branch.

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 TEXTILE MARKET - SURAT of Kalupur Commercial Cooperative Bank — its own 11-character IFSC. The code KCCB0TXM032 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 KCCB0TXM032 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC KCCB0TXM032

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 KCCB0TXM032 across all three.

How to use IFSC KCCB0TXM032 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Kalupur Commercial Cooperative Bank's TEXTILE MARKET - SURAT 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 KCCB0TXM032.
4. Confirm the bank name auto-populates as Kalupur Commercial Cooperative Bank and the branch as TEXTILE MARKET - SURAT.
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 TEXTILE MARKET - SURAT

If you need to transfer ₹2 lakh or more in one go to an account at Kalupur Commercial Cooperative Bank's TEXTILE MARKET - SURAT branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KCCB0TXM032 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 – TEXTILE MARKET - SURAT, use IMPS. With IFSC KCCB0TXM032 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 KCCB0TXM032 for Kalupur Commercial Cooperative Bank – TEXTILE MARKET - SURAT, 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 Textile Market - Surat 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.

How UPI relates to the IFSC code

UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at Kalupur Commercial Cooperative Bank's TEXTILE MARKET - SURAT branch, the IFSC KCCB0TXM032 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.

That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.

Products and account variants supported

Every account opened at the Textile Market - Surat branch is mapped to IFSC KCCB0TXM032 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 KCCB0TXM032.

Products and services

Customers walking into the Textile Market - Surat 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 KCCB0TXM032

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 KCCB0TXM032 and the account number together uniquely identify the Textile Market - Surat branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC KCCB0TXM032

Kalupur Commercial Cooperative Bank customers can register for net banking and the bank's official mobile app once their account at the TEXTILE MARKET - SURAT 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 KCCB0TXM032 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.

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 – TEXTILE MARKET - SURAT:

• The IFSC is exactly KCCB0TXM032 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 TEXTILE MARKET - SURAT 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 Textile Market - Surat branch sits at 38-39, AJANTA SHOPPING CENTRE,NEAR KINNARI CINEMA,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 261-2343442 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 KCCB0TXM032 and your account number.

Verifying IFSC KCCB0TXM032 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 KCCB0TXM032 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 261-2343442.
• Visiting the bank's official branch locator page.

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 Textile Market - Surat branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KCCB0TXM032, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: KCCB0TXM032 is the IFSC code of Kalupur Commercial Cooperative Bank, TEXTILE MARKET - SURAT 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.