IFSC Code of The Kangra Central Cooperative Bank Limited, Dharamshala Branch, Himachal Pradesh

Use this page as a one-stop reference for everything related to The Kangra Central Cooperative Bank Limited's DHARAMSHALA branch in DHARAMSALA, HIMACHAL PRADESH. The branch's IFSC code KACE0000002 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

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 DHARAMSHALA branch, the IFSC KACE0000002 breaks down as follows: KACE identifies the bank, 0 is the reserved character, and 000002 identifies this particular branch.

About The Kangra Central Cooperative Bank Limited

The Kangra Central Cooperative Bank Limited operates a wide network of branches across India, including the Dharamshala branch in Dharamsala. 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, KACE0000002.

About the Dharamshala branch

The Dharamshala branch of The Kangra Central Cooperative Bank Limited is situated at CIVIL LINES DHARMSALA DISTT KANGRA H.P. 176215. 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 KACE0000002 is used.

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 The Kangra Central Cooperative Bank Limited's DHARAMSHALA branch came to be assigned the code KACE0000002.

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 KACE0000002, money simply cannot be routed to the DHARAMSHALA branch electronically.

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 KACE0000002 and the account number together uniquely identify the Dharamshala branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC KACE0000002

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 KACE0000002 across all three.

NEFT to The Kangra Central Cooperative Bank Limited, DHARAMSHALA using IFSC KACE0000002

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 KACE0000002, and confirm that the system picks up The Kangra Central Cooperative Bank Limited – DHARAMSHALA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC KACE0000002

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 – DHARAMSHALA, ensure your bank's portal accepts IFSC KACE0000002 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 – DHARAMSHALA, use IMPS. With IFSC KACE0000002 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 KACE0000002 for The Kangra Central Cooperative Bank Limited – DHARAMSHALA, 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 Dharamshala 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 KACE0000002

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 – DHARAMSHALA is still mapped to IFSC KACE0000002. 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 KACE0000002 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Dharamshala branch is mapped to IFSC KACE0000002 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 KACE0000002.

Banking services available

The Dharamshala branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 1892-223227.

• 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 KACE0000002

Online banking and IFSC KACE0000002

The Kangra Central Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the DHARAMSHALA 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 KACE0000002 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.

Reaching the branch

The Dharamshala branch sits at CIVIL LINES DHARMSALA DISTT KANGRA H.P. 176215. If you are travelling from outside Dharamsala, search for the branch on a maps application using the bank name and locality, or call 1892-223227 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 KACE0000002 and your account number.

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 – DHARAMSHALA:

• The IFSC is exactly KACE0000002 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 DHARAMSHALA 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.

Working hours

Branch counters at Dharamshala 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 KACE0000002 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC KACE0000002 for The Kangra Central Cooperative Bank Limited – DHARAMSHALA, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

Branch address & contact

Frequently asked questions

Final notes

To recap: KACE0000002 is the IFSC code of The Kangra Central Cooperative Bank Limited, DHARAMSHALA branch, in DHARAMSALA, 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.