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

Below are the complete branch details for The Kangra Central Cooperative Bank Limited, PANCHRUKHI branch, located in PANCHRUKHI, HIMACHAL PRADESH. The IFSC assigned by the Reserve Bank of India to this branch is KACE0000054. 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 KACE0000054 for The Kangra Central Cooperative Bank Limited – PANCHRUKHI — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 PANCHRUKHI branch, the IFSC KACE0000054 breaks down as follows: KACE identifies the bank, 0 is the reserved character, and 000054 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 Panchrukhi branch in Panchrukhi. 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, KACE0000054.

Branch details at a glance

About this branch

The branch is located at TEHSIL PALAMPUR DISTT. KANGRA H.P. 176103. It serves the Panchrukhi 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 KACE0000054 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 PANCHRUKHI branch came to be assigned the code KACE0000054.

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 KACE0000054, money simply cannot be routed to the PANCHRUKHI branch electronically.

Products and account variants supported

Every account opened at the Panchrukhi branch is mapped to IFSC KACE0000054 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 KACE0000054.

Banking services available

The Panchrukhi branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 1894-254225.

• 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 KACE0000054

How to transfer money using IFSC KACE0000054

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 KACE0000054 across all three.

NEFT to The Kangra Central Cooperative Bank Limited, PANCHRUKHI using IFSC KACE0000054

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 KACE0000054, and confirm that the system picks up The Kangra Central Cooperative Bank Limited – PANCHRUKHI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC KACE0000054

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 – PANCHRUKHI, ensure your bank's portal accepts IFSC KACE0000054 while registering the beneficiary. RTGS is also available 24x7.

IMPS to The Kangra Central Cooperative Bank Limited PANCHRUKHI (IFSC KACE0000054)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KACE0000054 in your mobile or internet banking app, and the money is credited to the PANCHRUKHI branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Panchrukhi

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 KACE0000054:

• 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 PANCHRUKHI is still linked to IFSC KACE0000054.

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 PANCHRUKHI branch, the IFSC KACE0000054 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 KACE0000054

The Kangra Central Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the PANCHRUKHI 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 KACE0000054 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 Panchrukhi branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC KACE0000054 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Common mistakes to avoid when using IFSC KACE0000054

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 – PANCHRUKHI, 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: KACE0000054.
• 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.

Reaching the branch

The Panchrukhi branch sits at TEHSIL PALAMPUR DISTT. KANGRA H.P. 176103. If you are travelling from outside Panchrukhi, search for the branch on a maps application using the bank name and locality, or call 1894-254225 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 KACE0000054 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC KACE0000054 for The Kangra Central Cooperative Bank Limited – PANCHRUKHI, 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.

Working hours

Branch counters at Panchrukhi 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 KACE0000054 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code KACE0000054 belongs to The Kangra Central Cooperative Bank Limited's PANCHRUKHI branch, located at TEHSIL PALAMPUR DISTT. KANGRA H.P. 176103 in PANCHRUKHI, 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.