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

If you are searching for the IFSC code of The Kangra Central Cooperative Bank Limited, MAHAKAAL branch in MAHAKAL, HIMACHAL PRADESH, this page has every detail you need. The verified IFSC code for this branch is KACE0000153. 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 MAHAKAAL branch, and detailed step-by-step guides for using the IFSC KACE0000153 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, KACE0000153 is the IFSC of The Kangra Central Cooperative Bank Limited's MAHAKAAL branch. The format is fixed: KACE = bank code, 0 = reserved, 000153 = branch identifier.

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 Mahakaal branch in Mahakal, Himachal Pradesh is part of this network and uses the IFSC code KACE0000153 for all electronic settlement.

Branch details at a glance

About the Mahakaal branch

The Mahakaal branch of The Kangra Central Cooperative Bank Limited is situated at TESHIL BAIJNATH DISTT. KANGRA H.P. 176125. 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 KACE0000153 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 MAHAKAAL of The Kangra Central Cooperative Bank Limited — its own 11-character IFSC. The code KACE0000153 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 KACE0000153 the same way you would treat your account number — verify it once and save it carefully for future use.

Account types you can open at the Mahakaal branch

Once you have an account at The Kangra Central Cooperative Bank Limited – MAHAKAAL, the IFSC KACE0000153 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.

Products and services

Customers walking into the Mahakaal 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 KACE0000153

How to transfer money using IFSC KACE0000153

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 KACE0000153 across all three.

How to use IFSC KACE0000153 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 MAHAKAAL 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 KACE0000153.
4. Confirm the bank name auto-populates as The Kangra Central Cooperative Bank Limited and the branch as MAHAKAAL.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to MAHAKAAL

If you need to transfer ₹2 lakh or more in one go to an account at The Kangra Central Cooperative Bank Limited's MAHAKAAL branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KACE0000153 while initiating the transfer and the credit will appear within minutes.

IMPS to The Kangra Central Cooperative Bank Limited MAHAKAAL (IFSC KACE0000153)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KACE0000153 in your mobile or internet banking app, and the money is credited to the MAHAKAAL branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC KACE0000153 for The Kangra Central Cooperative Bank Limited – MAHAKAAL, 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 Mahakaal 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 MAHAKAAL branch, the IFSC KACE0000153 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.

Online banking and IFSC KACE0000153

The Kangra Central Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the MAHAKAAL 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 KACE0000153 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.

MICR & cheque-truncation details

Cheques drawn on the Mahakaal branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC KACE0000153 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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 – MAHAKAAL:

• The IFSC is exactly KACE0000153 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 MAHAKAAL 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 Mahakaal branch

The branch is located at TESHIL BAIJNATH DISTT. KANGRA H.P. 176125, which puts it inside Mahakal, 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 Mahakaal branch” — the verified location pin for IFSC KACE0000153 should appear at the top of the results.
2. Confirm the branch is open by calling 1894-265207 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 KACE0000153 and your account number.

Verifying IFSC KACE0000153 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 KACE0000153 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 1894-265207.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Mahakaal 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 KACE0000153 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code KACE0000153 belongs to The Kangra Central Cooperative Bank Limited's MAHAKAAL branch, located at TESHIL BAIJNATH DISTT. KANGRA H.P. 176125 in MAHAKAL, 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.