Use this page as a one-stop reference for everything related to The Kangra Central Cooperative Bank Limited's GANDER branch in GANDER, HIMACHAL PRADESH. The branch's IFSC code KACE0000203 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 GANDER branch, the IFSC KACE0000203 breaks down as follows: KACE identifies the bank, 0 is the reserved character, and 000203 identifies this particular branch.
Branch details at a glance
| Bank Name | The Kangra Central Cooperative Bank Limited |
|---|---|
| Branch | Gander |
| IFSC Code | KACE0000203 |
| MICR Code | Refer to cheque leaf |
| Branch Address | KCC BANK, BO GANDER |
| City | Gander |
| District | Kangra |
| State | Himachal Pradesh |
| STD Code | 1894 |
| Phone | 9418492541 |
Bank profile
The Kangra Central Cooperative Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Gander branch — IFSC KACE0000203 — extends the bank's services to customers in and around Gander, Himachal Pradesh.
About this branch
The branch is located at KCC BANK, BO GANDER. It serves the Gander 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 KACE0000203 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 GANDER branch came to be assigned the code KACE0000203.
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 KACE0000203, money simply cannot be routed to the GANDER branch electronically.
How to transfer money using IFSC KACE0000203
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 KACE0000203 across all three.
How to use IFSC KACE0000203 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 GANDER 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 KACE0000203.
- Confirm the bank name auto-populates as The Kangra Central Cooperative Bank Limited and the branch as GANDER.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC KACE0000203
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 – GANDER, ensure your bank's portal accepts IFSC KACE0000203 while registering the beneficiary. RTGS is also available 24x7.
IMPS to The Kangra Central Cooperative Bank Limited GANDER (IFSC KACE0000203)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KACE0000203 in your mobile or internet banking app, and the money is credited to the GANDER branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC KACE0000203 for The Kangra Central Cooperative Bank Limited – GANDER, 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – KACE0000203 | Yes – KACE0000203 | Yes – KACE0000203 |
For most retail customers crediting the Gander 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 KACE0000203
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 – GANDER is still mapped to IFSC KACE0000203. 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 KACE0000203 and the beneficiary's account number to complete the transfer.
Account types you can open at the Gander branch
Once you have an account at The Kangra Central Cooperative Bank Limited – GANDER, the IFSC KACE0000203 stays the same regardless of the type of account you hold. The branch typically supports the following options:
- Savings account — for individuals, with chequebook, ATM card and net-banking access.
- Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
- Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
- NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
- Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
- Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
- Minor and student accounts — operated jointly with a guardian until the customer turns 18.
Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.
Banking services available
The Gander branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 1894-9418492541.
- 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 KACE0000203
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 KACE0000203 and the account number together uniquely identify the Gander branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Digital banking channels
Most day-to-day work that customers used to do at the Gander 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 KACE0000203 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.
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 – GANDER:
- The IFSC is exactly KACE0000203 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 GANDER 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 Gander branch
The branch is located at KCC BANK, BO GANDER, which puts it inside Gander, 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 Gander branch” — the verified location pin for IFSC KACE0000203 should appear at the top of the results.
- Confirm the branch is open by calling 1894-9418492541 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 KACE0000203 and your account number.
Verifying IFSC KACE0000203 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 KACE0000203 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 1894-9418492541.
- 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 Gander branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KACE0000203, however, work 24x7.
Branch address & contact
The Kangra Central Cooperative Bank LimitedGander Branch
KCC BANK, BO GANDER
Gander, Himachal Pradesh
Phone: 1894-9418492541
IFSC: KACE0000203
Frequently asked questions
What is the IFSC code of The Kangra Central Cooperative Bank Limited Gander branch?
The IFSC code of The Kangra Central Cooperative Bank Limited, Gander branch is KACE0000203. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Does The Kangra Central Cooperative Bank Limited Gander branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 1894-9418492541 to confirm.
Where is The Kangra Central Cooperative Bank Limited Gander branch located?
The Kangra Central Cooperative Bank Limited's Gander branch is located at KCC BANK, BO GANDER, Gander, Himachal Pradesh.
How do I add The Kangra Central Cooperative Bank Limited Gander as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC KACE0000203, and complete OTP verification. Once activated, you can transfer funds at any time.
Can I use IFSC KACE0000203 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC KACE0000203 to send funds instantly.
What is the phone number of The Kangra Central Cooperative Bank Limited Gander branch?
You can reach the branch at 1894-9418492541 during regular banking hours.
Summary
The IFSC code KACE0000203 belongs to The Kangra Central Cooperative Bank Limited's GANDER branch, located at KCC BANK, BO GANDER in GANDER, 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.
