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

Use this page as a one-stop reference for everything related to The Kangra Central Cooperative Bank Limited's SAMIRPUR branch in TAUNIDEVI, HIMACHAL PRADESH. The branch's IFSC code KACE0000144 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

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 – SAMIRPUR is KACE0000144. The first four letters KACE are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000144 map to this branch in TAUNIDEVI, 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 Samirpur branch in Taunidevi. 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, KACE0000144.

Branch details at a glance

About the Samirpur branch

The Samirpur branch of The Kangra Central Cooperative Bank Limited is situated at TESHIL BHORANJ DISTT. HAMIRPUR H.P.. 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 KACE0000144 is used.

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 SAMIRPUR branch came to be assigned the code KACE0000144.

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 KACE0000144, money simply cannot be routed to the SAMIRPUR branch electronically.

Account types you can open at the Samirpur branch

Once you have an account at The Kangra Central Cooperative Bank Limited – SAMIRPUR, the IFSC KACE0000144 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 Samirpur 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 KACE0000144

How to transfer money using IFSC KACE0000144

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 KACE0000144 across all three.

How to use IFSC KACE0000144 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 SAMIRPUR 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 KACE0000144.
4. Confirm the bank name auto-populates as The Kangra Central Cooperative Bank Limited and the branch as SAMIRPUR.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC KACE0000144

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 – SAMIRPUR, ensure your bank's portal accepts IFSC KACE0000144 while registering the beneficiary. RTGS is also available 24x7.

IMPS to The Kangra Central Cooperative Bank Limited SAMIRPUR (IFSC KACE0000144)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KACE0000144 in your mobile or internet banking app, and the money is credited to the SAMIRPUR branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Samirpur

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 KACE0000144:

• 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 SAMIRPUR is still linked to IFSC KACE0000144.

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.

UPI payments and IFSC KACE0000144

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 – SAMIRPUR is still mapped to IFSC KACE0000144. 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 KACE0000144 and the beneficiary's account number to complete the transfer.

Online banking and IFSC KACE0000144

The Kangra Central Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the SAMIRPUR 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 KACE0000144 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 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 KACE0000144 and the account number together uniquely identify the Samirpur branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Common mistakes to avoid when using IFSC KACE0000144

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 – SAMIRPUR, 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: KACE0000144.
• 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.

How to reach the Samirpur branch

The branch is located at TESHIL BHORANJ DISTT. HAMIRPUR H.P., which puts it inside Taunidevi, the broader Hamirpur 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 Samirpur branch” — the verified location pin for IFSC KACE0000144 should appear at the top of the results.
2. Confirm the branch is open by calling 1972-275741 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 KACE0000144 and your account number.

Verifying IFSC KACE0000144 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 KACE0000144 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 1972-275741.
• Visiting the bank's official branch locator page.

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 Samirpur branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KACE0000144, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: KACE0000144 is the IFSC code of The Kangra Central Cooperative Bank Limited, SAMIRPUR branch, in TAUNIDEVI, 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.