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

This page lists the IFSC code, branch address, contact number and fund-transfer information for The Kangra Central Cooperative Bank Limited, KOTLU branch in PALAMPUR. The 11-digit IFSC KACE0000104 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with The Kangra Central Cooperative Bank Limited at the KOTLU location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this 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, KACE0000104 is the IFSC of The Kangra Central Cooperative Bank Limited's KOTLU branch. The format is fixed: KACE = bank code, 0 = reserved, 000104 = 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 Kotlu branch in Palampur, Himachal Pradesh is part of this network and uses the IFSC code KACE0000104 for all electronic settlement.

Kotlu branch overview

Located at TESHIL JAISINGHPUR DISTT. KANGRA H.P. 176096, the Kotlu branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC KACE0000104 is required for all interbank electronic transfers routed through this branch.

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 KOTLU branch came to be assigned the code KACE0000104.

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 KACE0000104, money simply cannot be routed to the KOTLU 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 KACE0000104 and the account number together uniquely identify the Kotlu branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC KACE0000104

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 KACE0000104 across all three.

NEFT to The Kangra Central Cooperative Bank Limited, KOTLU using IFSC KACE0000104

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 KACE0000104, and confirm that the system picks up The Kangra Central Cooperative Bank Limited – KOTLU. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to KOTLU

If you need to transfer ₹2 lakh or more in one go to an account at The Kangra Central Cooperative Bank Limited's KOTLU branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KACE0000104 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 – KOTLU, use IMPS. With IFSC KACE0000104 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

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

All three modes accept the IFSC KACE0000104 for The Kangra Central Cooperative Bank Limited – KOTLU, 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 Kotlu 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 KACE0000104

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 – KOTLU is still mapped to IFSC KACE0000104. 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 KACE0000104 and the beneficiary's account number to complete the transfer.

Account types you can open at the Kotlu branch

Once you have an account at The Kangra Central Cooperative Bank Limited – KOTLU, the IFSC KACE0000104 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 Kotlu 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 KACE0000104

Digital banking channels

Most day-to-day work that customers used to do at the Kotlu 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 KACE0000104 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 Kotlu branch

The branch is located at TESHIL JAISINGHPUR DISTT. KANGRA H.P. 176096, which puts it inside Palampur, 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 Kotlu branch” — the verified location pin for IFSC KACE0000104 should appear at the top of the results.
2. Confirm the branch is open by calling 1894-274549 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 KACE0000104 and your account number.

Common mistakes to avoid when using IFSC KACE0000104

An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to The Kangra Central Cooperative Bank Limited – KOTLU, double-check for these issues:

• Confusing 0 with O. The fifth character of every IFSC is the digit 0, not the letter O. Read carefully.
• Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters: KACE0000104.
• Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
• Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
• Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.

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 Kotlu branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KACE0000104, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC KACE0000104 for The Kangra Central Cooperative Bank Limited – KOTLU, 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

Frequently asked questions

Final notes

To recap: KACE0000104 is the IFSC code of The Kangra Central Cooperative Bank Limited, KOTLU branch, in PALAMPUR, HIMACHAL PRADESH. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.