Below are the complete branch details for The Kangra Central Cooperative Bank Limited, BAIL branch, located in NITHER, HIMACHAL PRADESH. The IFSC assigned by the Reserve Bank of India to this branch is KACE0000117. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.
The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case KACE0000117 for The Kangra Central Cooperative Bank Limited – BAIL — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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 – BAIL is KACE0000117. The first four letters KACE are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000117 map to this branch in NITHER, HIMACHAL PRADESH.
About The Kangra Central Cooperative Bank Limited
The Kangra Central Cooperative Bank Limited operates a wide network of branches across India, including the Bail branch in Nither. 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, KACE0000117.
About this branch
The branch is located at P.O.KOIL TEHSIL NIRMNAD DISTT. KULU PIN 173023. It serves the Nither 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 KACE0000117 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | The Kangra Central Cooperative Bank Limited |
|---|---|
| Branch | Bail |
| IFSC Code | KACE0000117 |
| MICR Code | Refer to cheque leaf |
| Branch Address | P.O.KOIL TEHSIL NIRMNAD DISTT. KULU PIN 173023 |
| City | Nither |
| District | Kulu |
| State | Himachal Pradesh |
| STD Code | 1904 |
| Phone | 265249 |
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 BAIL branch came to be assigned the code KACE0000117.
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 KACE0000117, money simply cannot be routed to the BAIL branch electronically.
MICR & cheque-truncation details
Cheques drawn on the Bail branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC KACE0000117 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
How to transfer money using IFSC KACE0000117
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 KACE0000117 across all three.
NEFT to The Kangra Central Cooperative Bank Limited, BAIL using IFSC KACE0000117
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 KACE0000117, and confirm that the system picks up The Kangra Central Cooperative Bank Limited – BAIL. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to BAIL
If you need to transfer ₹2 lakh or more in one go to an account at The Kangra Central Cooperative Bank Limited's BAIL branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KACE0000117 while initiating the transfer and the credit will appear within minutes.
IMPS to The Kangra Central Cooperative Bank Limited BAIL (IFSC KACE0000117)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KACE0000117 in your mobile or internet banking app, and the money is credited to the BAIL branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC KACE0000117 for The Kangra Central Cooperative Bank Limited – BAIL, 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 – KACE0000117 | Yes – KACE0000117 | Yes – KACE0000117 |
For most retail customers crediting the Bail 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 BAIL branch, the IFSC KACE0000117 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.
Account types you can open at the Bail branch
Once you have an account at The Kangra Central Cooperative Bank Limited – BAIL, the IFSC KACE0000117 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 Bail branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 1904-265249.
- 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 KACE0000117
Online banking and IFSC KACE0000117
The Kangra Central Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the BAIL 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 KACE0000117 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.
Reaching the branch
The Bail branch sits at P.O.KOIL TEHSIL NIRMNAD DISTT. KULU PIN 173023. If you are travelling from outside Nither, search for the branch on a maps application using the bank name and locality, or call 1904-265249 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 KACE0000117 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 – BAIL:
- The IFSC is exactly KACE0000117 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 BAIL 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.
Working hours
Branch counters at Bail 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 KACE0000117 continue to work without interruption.
Other ways to verify the IFSC code
While this page already lists the verified IFSC KACE0000117 for The Kangra Central Cooperative Bank Limited – BAIL, 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 address & contact
The Kangra Central Cooperative Bank LimitedBail Branch
P.O.KOIL TEHSIL NIRMNAD DISTT. KULU PIN 173023
Nither, Himachal Pradesh
Phone: 1904-265249
IFSC: KACE0000117
Frequently asked questions
Does The Kangra Central Cooperative Bank Limited Bail branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 1904-265249 to confirm.
Can I use IFSC KACE0000117 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC KACE0000117 to send funds instantly.
Is IFSC KACE0000117 the same for all accounts at Bail branch?
Yes. The IFSC KACE0000117 is shared by every account held at The Kangra Central Cooperative Bank Limited's Bail branch. Only the account number changes from customer to customer.
What is the phone number of The Kangra Central Cooperative Bank Limited Bail branch?
You can reach the branch at 1904-265249 during regular banking hours.
How do I add The Kangra Central Cooperative Bank Limited Bail as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC KACE0000117, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using KACE0000117 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to The Kangra Central Cooperative Bank Limited – Bail reflect within 30 minutes.
Summary
The IFSC code KACE0000117 belongs to The Kangra Central Cooperative Bank Limited's BAIL branch, located at P.O.KOIL TEHSIL NIRMNAD DISTT. KULU PIN 173023 in NITHER, 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.
