IFSC Code of The Cooperative Bank of Rajkot Limited, Kotharia Branch, Gujarat

If you are searching for the IFSC code of The Cooperative Bank of Rajkot Limited, KOTHARIA branch in RAJKOT, GUJARAT, this page has every detail you need. The verified IFSC code for this branch is TCBR0000123. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the KOTHARIA branch, and detailed step-by-step guides for using the IFSC TCBR0000123 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular 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, TCBR0000123 is the IFSC of The Cooperative Bank of Rajkot Limited's KOTHARIA branch. The format is fixed: TCBR = bank code, 0 = reserved, 000123 = branch identifier.

Bank profile

The Cooperative Bank of Rajkot Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Kotharia branch — IFSC TCBR0000123 — extends the bank's services to customers in and around Rajkot, Gujarat.

Branch details at a glance

About this branch

The branch is located at GOVIND NAGAR GATE,KOTHARIA ROAD,RAJKOT -360003. It serves the Rajkot region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of The Cooperative Bank of Rajkot Limited. The IFSC TCBR0000123 is used to identify this branch on the RBI payments network.

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 The Cooperative Bank of Rajkot Limited's KOTHARIA branch came to be assigned the code TCBR0000123.

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 TCBR0000123, money simply cannot be routed to the KOTHARIA branch electronically.

Products and account variants supported

Every account opened at the Kotharia branch is mapped to IFSC TCBR0000123 on the RBI payments network. The branch generally supports the full retail product catalogue of The Cooperative Bank of Rajkot Limited, 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 TCBR0000123.

Banking services available

The Kotharia branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 281-2366111.

• 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 TCBR0000123

How to transfer money using IFSC TCBR0000123

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 TCBR0000123 across all three.

How to use IFSC TCBR0000123 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to The Cooperative Bank of Rajkot Limited's KOTHARIA 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 TCBR0000123.
4. Confirm the bank name auto-populates as The Cooperative Bank of Rajkot Limited and the branch as KOTHARIA.
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 KOTHARIA

If you need to transfer ₹2 lakh or more in one go to an account at The Cooperative Bank of Rajkot Limited's KOTHARIA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC TCBR0000123 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to The Cooperative Bank of Rajkot Limited – KOTHARIA, use IMPS. With IFSC TCBR0000123 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 TCBR0000123 for The Cooperative Bank of Rajkot Limited – KOTHARIA, 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 Kotharia 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 TCBR0000123

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 The Cooperative Bank of Rajkot Limited – KOTHARIA is still mapped to IFSC TCBR0000123. 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 TCBR0000123 and the beneficiary's account number to complete the transfer.

Online banking and IFSC TCBR0000123

The Cooperative Bank of Rajkot Limited customers can register for net banking and the bank's official mobile app once their account at the KOTHARIA 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 TCBR0000123 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.

MICR & cheque-truncation details

Cheques drawn on the Kotharia branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC TCBR0000123 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Common mistakes to avoid when using IFSC TCBR0000123

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 The Cooperative Bank of Rajkot Limited – KOTHARIA, 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: TCBR0000123.
• 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.

How to reach the Kotharia branch

The branch is located at GOVIND NAGAR GATE,KOTHARIA ROAD,RAJKOT -360003, which puts it inside Rajkot, the broader Rajkot district, and the state of Gujarat. To plan your visit:

1. Open Google Maps on your phone and search for “The Cooperative Bank of Rajkot Limited Kotharia branch” — the verified location pin for IFSC TCBR0000123 should appear at the top of the results.
2. Confirm the branch is open by calling 281-2366111 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 TCBR0000123 and your account number.

Verifying IFSC TCBR0000123 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 TCBR0000123 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 281-2366111.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Kotharia 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 TCBR0000123 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code TCBR0000123 belongs to The Cooperative Bank of Rajkot Limited's KOTHARIA branch, located at GOVIND NAGAR GATE,KOTHARIA ROAD,RAJKOT -360003 in RAJKOT, 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.