If you are searching for the IFSC code of The Kangra Central Cooperative Bank Limited, BIR branch in BIR, HIMACHAL PRADESH, this page has every detail you need. The verified IFSC code for this branch is KACE0000070. 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 BIR branch, and detailed step-by-step guides for using the IFSC KACE0000070 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.
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 The Kangra Central Cooperative Bank Limited's BIR branch, the IFSC KACE0000070 breaks down as follows: KACE identifies the bank, 0 is the reserved character, and 000070 identifies this particular branch.
About the bank
The Kangra Central Cooperative Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Bir branch in Bir, Himachal Pradesh is part of this network and uses the IFSC code KACE0000070 for all electronic settlement.
Branch details at a glance
| Bank Name | The Kangra Central Cooperative Bank Limited |
|---|---|
| Branch | Bir |
| IFSC Code | KACE0000070 |
| MICR Code | Refer to cheque leaf |
| Branch Address | TESHIL BAIJNATH DSITT. KANGRA H.P. 175041 |
| City | Bir |
| District | Kangra |
| State | Himachal Pradesh |
| STD Code | 1894 |
| Phone | 268556 |
About this branch
The branch is located at TESHIL BAIJNATH DSITT. KANGRA H.P. 175041. It serves the Bir 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 Kangra Central Cooperative Bank Limited. The IFSC KACE0000070 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 Kangra Central Cooperative Bank Limited's BIR branch came to be assigned the code KACE0000070.
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 KACE0000070, money simply cannot be routed to the BIR branch electronically.
Products and account variants supported
Every account opened at the Bir branch is mapped to IFSC KACE0000070 on the RBI payments network. The branch generally supports the full retail product catalogue of The Kangra Central Cooperative Bank 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 KACE0000070.
Products and services
Customers walking into the Bir branch can access most of The Kangra Central Cooperative Bank Limited'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 KACE0000070
How to transfer money using IFSC KACE0000070
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 KACE0000070 across all three.
NEFT to The Kangra Central Cooperative Bank Limited, BIR using IFSC KACE0000070
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 KACE0000070, and confirm that the system picks up The Kangra Central Cooperative Bank Limited – BIR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to BIR
If you need to transfer ₹2 lakh or more in one go to an account at The Kangra Central Cooperative Bank Limited's BIR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KACE0000070 while initiating the transfer and the credit will appear within minutes.
IMPS to The Kangra Central Cooperative Bank Limited BIR (IFSC KACE0000070)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KACE0000070 in your mobile or internet banking app, and the money is credited to the BIR branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Bir
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 KACE0000070:
- 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 BIR is still linked to IFSC KACE0000070.
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 KACE0000070
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 Kangra Central Cooperative Bank Limited – BIR is still mapped to IFSC KACE0000070. 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 KACE0000070 and the beneficiary's account number to complete the transfer.
Online banking and IFSC KACE0000070
The Kangra Central Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the BIR 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 KACE0000070 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 code & cheque clearing
Apart from IFSC, every cheque book issued by The Kangra Central Cooperative Bank Limited carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC KACE0000070 and the account number together uniquely identify the Bir 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 The Kangra Central Cooperative Bank Limited – BIR:
- The IFSC is exactly KACE0000070 with no extra spaces.
- The beneficiary's account number matches what they shared, digit for digit.
- The portal auto-fills The Kangra Central Cooperative Bank Limited as the bank name and BIR 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.
How to reach the Bir branch
The branch is located at TESHIL BAIJNATH DSITT. KANGRA H.P. 175041, which puts it inside Bir, the broader Kangra district, and the state of Himachal Pradesh. To plan your visit:
- Open Google Maps on your phone and search for “The Kangra Central Cooperative Bank Limited Bir branch” — the verified location pin for IFSC KACE0000070 should appear at the top of the results.
- Confirm the branch is open by calling 1894-268556 before stepping out, especially around public holidays.
- 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 KACE0000070 and your account number.
Verifying IFSC KACE0000070 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 KACE0000070 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 1894-268556.
- 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 Bir branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KACE0000070, however, work 24x7.
Branch address & contact
The Kangra Central Cooperative Bank LimitedBir Branch
TESHIL BAIJNATH DSITT. KANGRA H.P. 175041
Bir, Himachal Pradesh
Phone: 1894-268556
IFSC: KACE0000070
Frequently asked questions
Where is The Kangra Central Cooperative Bank Limited Bir branch located?
The Kangra Central Cooperative Bank Limited's Bir branch is located at TESHIL BAIJNATH DSITT. KANGRA H.P. 175041, Bir, Himachal Pradesh.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Bir branch but serve different purposes.
Does The Kangra Central Cooperative Bank Limited Bir branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 1894-268556 to confirm.
What is the IFSC code of The Kangra Central Cooperative Bank Limited Bir branch?
The IFSC code of The Kangra Central Cooperative Bank Limited, Bir branch is KACE0000070. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Can I use IFSC KACE0000070 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC KACE0000070 to send funds instantly.
How do I add The Kangra Central Cooperative Bank Limited Bir as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC KACE0000070, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using KACE0000070 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to The Kangra Central Cooperative Bank Limited – Bir reflect within 30 minutes.
Final notes
To recap: KACE0000070 is the IFSC code of The Kangra Central Cooperative Bank Limited, BIR branch, in BIR, HIMACHAL PRADESH. 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.
