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

This page lists the IFSC code, branch address, contact number and fund-transfer information for Kalupur Commercial Cooperative Bank, UDHNA - SURAT branch in SURAT. The 11-digit IFSC KCCB0UDN037 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 UDHNA - SURAT 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.

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 UDHNA - SURAT branch, the IFSC KCCB0UDN037 breaks down as follows: KCCB identifies the bank, 0 is the reserved character, and UDN037 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 Udhna - Surat branch — IFSC KCCB0UDN037 — extends the bank's services to customers in and around Surat, Gujarat.

Udhna - Surat branch overview

Located at 1ST. FLOOR, SURYA PLAZA,NEAR BHATAR SQUARE,SURAT-385007, the Udhna - 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 KCCB0UDN037 is required for all interbank electronic transfers routed through this branch.

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 UDHNA - SURAT branch came to be assigned the code KCCB0UDN037.

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 KCCB0UDN037, money simply cannot be routed to the UDHNA - SURAT branch electronically.

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 KCCB0UDN037 and the account number together uniquely identify the Udhna - Surat branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC KCCB0UDN037

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 KCCB0UDN037 across all three.

NEFT to Kalupur Commercial Cooperative Bank, UDHNA - SURAT using IFSC KCCB0UDN037

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 KCCB0UDN037, and confirm that the system picks up Kalupur Commercial Cooperative Bank – UDHNA - SURAT. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to UDHNA - SURAT

If you need to transfer ₹2 lakh or more in one go to an account at Kalupur Commercial Cooperative Bank's UDHNA - SURAT branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KCCB0UDN037 while initiating the transfer and the credit will appear within minutes.

IMPS to Kalupur Commercial Cooperative Bank UDHNA - SURAT (IFSC KCCB0UDN037)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KCCB0UDN037 in your mobile or internet banking app, and the money is credited to the UDHNA - SURAT branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Udhna - Surat

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 KCCB0UDN037:

• 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 UDHNA - SURAT is still linked to IFSC KCCB0UDN037.

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.

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 UDHNA - SURAT branch, the IFSC KCCB0UDN037 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 Udhna - Surat branch is mapped to IFSC KCCB0UDN037 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 KCCB0UDN037.

Banking services available

The Udhna - Surat branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 261-2234111.

• 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 KCCB0UDN037

Digital banking channels

Most day-to-day work that customers used to do at the Udhna - Surat 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 KCCB0UDN037 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 Udhna - Surat branch sits at 1ST. FLOOR, SURYA PLAZA,NEAR BHATAR SQUARE,SURAT-385007. If you are travelling from outside Surat, search for the branch on a maps application using the bank name and locality, or call 261-2234111 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 KCCB0UDN037 and your account number.

Common mistakes to avoid when using IFSC KCCB0UDN037

An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to Kalupur Commercial Cooperative Bank – UDHNA - SURAT, double-check for these issues:

• Confusing 0 with O. The fifth character of every IFSC is the digit 0, not the letter O. Read carefully.
• Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters: KCCB0UDN037.
• Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
• Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
• Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.

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 Udhna - Surat branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KCCB0UDN037, however, work 24x7.

Verifying IFSC KCCB0UDN037 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 KCCB0UDN037 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 261-2234111.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Final notes

To recap: KCCB0UDN037 is the IFSC code of Kalupur Commercial Cooperative Bank, UDHNA - 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.