IFSC Code of The Kangra Central Cooperative Bank Limited, RTGS-HO Branch, Himachal Pradesh

Use this page as a one-stop reference for everything related to The Kangra Central Cooperative Bank Limited's RTGS-HO branch in DHARAMSALA, HIMACHAL PRADESH. The branch's IFSC code KACE0000001 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.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for The Kangra Central Cooperative Bank Limited – RTGS-HO is KACE0000001. The first four letters KACE are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000001 map to this branch in DHARAMSALA, HIMACHAL PRADESH.

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 RTGS-HO branch in Dharamsala, Himachal Pradesh is part of this network and uses the IFSC code KACE0000001 for all electronic settlement.

Branch details at a glance

RTGS-HO branch overview

Located at CIVIL LINES DHARMSALA DISTT KANGRA H.P. 176215, the RTGS-HO branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC KACE0000001 is required for all interbank electronic transfers routed through this branch.

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 RTGS-HO of The Kangra Central Cooperative Bank Limited — its own 11-character IFSC. The code KACE0000001 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 KACE0000001 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 RTGS-HO branch is mapped to IFSC KACE0000001 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 KACE0000001.

Banking services available

The RTGS-HO branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 1892-223280.

• 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 KACE0000001

How to transfer money using IFSC KACE0000001

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 KACE0000001 across all three.

How to use IFSC KACE0000001 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 RTGS-HO 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 KACE0000001.
4. Confirm the bank name auto-populates as The Kangra Central Cooperative Bank Limited and the branch as RTGS-HO.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC KACE0000001

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 – RTGS-HO, ensure your bank's portal accepts IFSC KACE0000001 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 – RTGS-HO, use IMPS. With IFSC KACE0000001 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 KACE0000001 for The Kangra Central Cooperative Bank Limited – RTGS-HO, 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 RTGS-HO 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.

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 RTGS-HO branch, the IFSC KACE0000001 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 RTGS-HO 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 KACE0000001 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 & cheque-truncation details

Cheques drawn on the RTGS-HO branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC KACE0000001 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 KACE0000001

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 Kangra Central Cooperative Bank Limited – RTGS-HO, 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: KACE0000001.
• 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.

Reaching the branch

The RTGS-HO 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 1892-223280 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 KACE0000001 and your account number.

Verifying IFSC KACE0000001 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 KACE0000001 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 1892-223280.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at RTGS-HO 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 KACE0000001 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: KACE0000001 is the IFSC code of The Kangra Central Cooperative Bank Limited, RTGS-HO 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.