IFSC Code of The Kangra Central Cooperative Bank Limited, Sajala at Khaknal Branch, Himachal Pradesh

If you are searching for the IFSC code of The Kangra Central Cooperative Bank Limited, SAJALA AT KHAKNAL branch in MANALI, HIMACHAL PRADESH, this page has every detail you need. The verified IFSC code for this branch is KACE0000110. 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 SAJALA AT KHAKNAL branch, and detailed step-by-step guides for using the IFSC KACE0000110 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.

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 SAJALA AT KHAKNAL branch, the IFSC KACE0000110 breaks down as follows: KACE identifies the bank, 0 is the reserved character, and 000110 identifies this particular branch.

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 Sajala at Khaknal branch in Manali, Himachal Pradesh is part of this network and uses the IFSC code KACE0000110 for all electronic settlement.

Branch details at a glance

About this branch

The branch is located at TEHSIL & DISTT. KANGRA H.P. 175143. It serves the Manali 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 KACE0000110 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 SAJALA AT KHAKNAL branch came to be assigned the code KACE0000110.

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 KACE0000110, money simply cannot be routed to the SAJALA AT KHAKNAL branch electronically.

Account types you can open at the Sajala at Khaknal branch

Once you have an account at The Kangra Central Cooperative Bank Limited – SAJALA AT KHAKNAL, the IFSC KACE0000110 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 Sajala at Khaknal branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 1902-259401.

• 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 KACE0000110

How to transfer money using IFSC KACE0000110

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 KACE0000110 across all three.

How to use IFSC KACE0000110 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 SAJALA AT KHAKNAL 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 KACE0000110.
4. Confirm the bank name auto-populates as The Kangra Central Cooperative Bank Limited and the branch as SAJALA AT KHAKNAL.
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 SAJALA AT KHAKNAL

If you need to transfer ₹2 lakh or more in one go to an account at The Kangra Central Cooperative Bank Limited's SAJALA AT KHAKNAL branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KACE0000110 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to The Kangra Central Cooperative Bank Limited – SAJALA AT KHAKNAL, use IMPS. With IFSC KACE0000110 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 Sajala at Khaknal

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 KACE0000110:

• 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 SAJALA AT KHAKNAL is still linked to IFSC KACE0000110.

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 SAJALA AT KHAKNAL branch, the IFSC KACE0000110 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 Sajala at Khaknal 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 KACE0000110 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 Sajala at Khaknal branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC KACE0000110 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 – SAJALA AT KHAKNAL:

• The IFSC is exactly KACE0000110 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 SAJALA AT KHAKNAL 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.

Reaching the branch

The Sajala at Khaknal branch sits at TEHSIL & DISTT. KANGRA H.P. 175143. If you are travelling from outside Manali, search for the branch on a maps application using the bank name and locality, or call 1902-259401 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 KACE0000110 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC KACE0000110 for The Kangra Central Cooperative Bank Limited – SAJALA AT KHAKNAL, 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 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 Sajala at Khaknal branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KACE0000110, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code KACE0000110 belongs to The Kangra Central Cooperative Bank Limited's SAJALA AT KHAKNAL branch, located at TEHSIL & DISTT. KANGRA H.P. 175143 in MANALI, 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.