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

Use this page as a one-stop reference for everything related to The Kangra Central Cooperative Bank Limited's UPPER LAMBAGAON branch in LAMBAGAON, HIMACHAL PRADESH. The branch's IFSC code KACE0000119 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 UPPER LAMBAGAON branch, the IFSC KACE0000119 breaks down as follows: KACE identifies the bank, 0 is the reserved character, and 000119 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 Upper Lambagaon branch in Lambagaon. 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, KACE0000119.

About this branch

The branch is located at TEHSIL JAISINGHPUR DISTT KANGRA H.P. 176096. It serves the Lambagaon 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 KACE0000119 is used to identify this branch on the RBI payments network.

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 UPPER LAMBAGAON branch came to be assigned the code KACE0000119.

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 KACE0000119, money simply cannot be routed to the UPPER LAMBAGAON 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 KACE0000119 and the account number together uniquely identify the Upper Lambagaon branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC KACE0000119

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 KACE0000119 across all three.

NEFT to The Kangra Central Cooperative Bank Limited, UPPER LAMBAGAON using IFSC KACE0000119

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 KACE0000119, and confirm that the system picks up The Kangra Central Cooperative Bank Limited – UPPER LAMBAGAON. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC KACE0000119

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 – UPPER LAMBAGAON, ensure your bank's portal accepts IFSC KACE0000119 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 – UPPER LAMBAGAON, use IMPS. With IFSC KACE0000119 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 Upper Lambagaon

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 KACE0000119:

• 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 UPPER LAMBAGAON is still linked to IFSC KACE0000119.

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 UPPER LAMBAGAON branch, the IFSC KACE0000119 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.

Products and account variants supported

Every account opened at the Upper Lambagaon branch is mapped to IFSC KACE0000119 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 KACE0000119.

Products and services

Customers walking into the Upper Lambagaon 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 KACE0000119

Digital banking channels

Most day-to-day work that customers used to do at the Upper Lambagaon 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 KACE0000119 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.

How to reach the Upper Lambagaon branch

The branch is located at TEHSIL JAISINGHPUR DISTT KANGRA H.P. 176096, which puts it inside Lambagaon, the broader Kangra district, and the state of Himachal Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “The Kangra Central Cooperative Bank Limited Upper Lambagaon branch” — the verified location pin for IFSC KACE0000119 should appear at the top of the results.
2. Confirm the branch is open by calling 1894-227331 before stepping out, especially around public holidays.
3. 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 KACE0000119 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 – UPPER LAMBAGAON:

• The IFSC is exactly KACE0000119 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 UPPER LAMBAGAON 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.

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 Upper Lambagaon branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KACE0000119, however, work 24x7.

Verifying IFSC KACE0000119 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 KACE0000119 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 1894-227331.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Summary

The IFSC code KACE0000119 belongs to The Kangra Central Cooperative Bank Limited's UPPER LAMBAGAON branch, located at TEHSIL JAISINGHPUR DISTT KANGRA H.P. 176096 in LAMBAGAON, 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.