If you are searching for the IFSC code of The Kangra Central Cooperative Bank Limited, PATHIAR branch in CHAMUNDA, HIMACHAL PRADESH, this page has every detail you need. The verified IFSC code for this branch is KACE0000105. 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 PATHIAR branch, and detailed step-by-step guides for using the IFSC KACE0000105 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, KACE0000105 is the IFSC of The Kangra Central Cooperative Bank Limited's PATHIAR branch. The format is fixed: KACE = bank code, 0 = reserved, 000105 = branch identifier.
Bank profile
The Kangra Central Cooperative Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Pathiar branch — IFSC KACE0000105 — extends the bank's services to customers in and around Chamunda, Himachal Pradesh.
Branch details at a glance
| Bank Name | The Kangra Central Cooperative Bank Limited |
|---|---|
| Branch | Pathiar |
| IFSC Code | KACE0000105 |
| MICR Code | Refer to cheque leaf |
| Branch Address | V.P.O. PATHIAR DISTT. KANGRA H.P. 176047 |
| City | Chamunda |
| District | Kangra |
| State | Himachal Pradesh |
| STD Code | 1892 |
| Phone | 253632 |
About the Pathiar branch
The Pathiar branch of The Kangra Central Cooperative Bank Limited is situated at V.P.O. PATHIAR DISTT. KANGRA H.P. 176047. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code KACE0000105 is used.
Why every The Kangra Central Cooperative Bank Limited 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 PATHIAR of The Kangra Central Cooperative Bank Limited — its own 11-character IFSC. The code KACE0000105 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 KACE0000105 the same way you would treat your account number — verify it once and save it carefully for future use.
Products and account variants supported
Every account opened at the Pathiar branch is mapped to IFSC KACE0000105 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 KACE0000105.
Products and services
Customers walking into the Pathiar 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 KACE0000105
How to transfer money using IFSC KACE0000105
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 KACE0000105 across all three.
How to use IFSC KACE0000105 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to The Kangra Central Cooperative Bank Limited's PATHIAR 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC KACE0000105.
- Confirm the bank name auto-populates as The Kangra Central Cooperative Bank Limited and the branch as PATHIAR.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC KACE0000105
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 The Kangra Central Cooperative Bank Limited – PATHIAR, ensure your bank's portal accepts IFSC KACE0000105 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to The Kangra Central Cooperative Bank Limited – PATHIAR, use IMPS. With IFSC KACE0000105 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 Pathiar
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 KACE0000105:
- 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 PATHIAR is still linked to IFSC KACE0000105.
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 The Kangra Central Cooperative Bank Limited's PATHIAR branch, the IFSC KACE0000105 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.
Digital banking channels
Most day-to-day work that customers used to do at the Pathiar 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 KACE0000105 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 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 KACE0000105 and the account number together uniquely identify the Pathiar 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 – PATHIAR:
- The IFSC is exactly KACE0000105 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 PATHIAR 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 Pathiar branch sits at V.P.O. PATHIAR DISTT. KANGRA H.P. 176047. If you are travelling from outside Chamunda, search for the branch on a maps application using the bank name and locality, or call 1892-253632 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 KACE0000105 and your account number.
Verifying IFSC KACE0000105 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 KACE0000105 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 1892-253632.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Pathiar 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 KACE0000105 continue to work without interruption.
Branch address & contact
The Kangra Central Cooperative Bank LimitedPathiar Branch
V.P.O. PATHIAR DISTT. KANGRA H.P. 176047
Chamunda, Himachal Pradesh
Phone: 1892-253632
IFSC: KACE0000105
Frequently asked questions
Does The Kangra Central Cooperative Bank Limited Pathiar branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 1892-253632 to confirm.
How quickly will an NEFT transfer using KACE0000105 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to The Kangra Central Cooperative Bank Limited – Pathiar reflect within 30 minutes.
Where is The Kangra Central Cooperative Bank Limited Pathiar branch located?
The Kangra Central Cooperative Bank Limited's Pathiar branch is located at V.P.O. PATHIAR DISTT. KANGRA H.P. 176047, Chamunda, Himachal Pradesh.
Can I use IFSC KACE0000105 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC KACE0000105 to send funds instantly.
How do I add The Kangra Central Cooperative Bank Limited Pathiar as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC KACE0000105, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the IFSC code of The Kangra Central Cooperative Bank Limited Pathiar branch?
The IFSC code of The Kangra Central Cooperative Bank Limited, Pathiar branch is KACE0000105. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Summary
The IFSC code KACE0000105 belongs to The Kangra Central Cooperative Bank Limited's PATHIAR branch, located at V.P.O. PATHIAR DISTT. KANGRA H.P. 176047 in CHAMUNDA, HIMACHAL PRADESH. 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.
