If you are searching for the IFSC code of The Kangra Central Cooperative Bank Limited, BASAL branch in UNA, HIMACHAL PRADESH, this page has every detail you need. The verified IFSC code for this branch is KACE0000176. 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 BASAL branch, and detailed step-by-step guides for using the IFSC KACE0000176 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 BASAL branch, the IFSC KACE0000176 breaks down as follows: KACE identifies the bank, 0 is the reserved character, and 000176 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 Basal branch in Una. 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, KACE0000176.
Branch details at a glance
| Bank Name | The Kangra Central Cooperative Bank Limited |
|---|---|
| Branch | Basal |
| IFSC Code | KACE0000176 |
| MICR Code | Refer to cheque leaf |
| Branch Address | TESHIL & DISTT. UNA H.P. 174303 |
| City | Una |
| District | Una |
| State | Himachal Pradesh |
| STD Code | 1975 |
| Phone | 272169 |
About this branch
The branch is located at TESHIL & DISTT. UNA H.P. 174303. It serves the Una 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 KACE0000176 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 BASAL branch came to be assigned the code KACE0000176.
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 KACE0000176, money simply cannot be routed to the BASAL branch electronically.
Account types you can open at the Basal branch
Once you have an account at The Kangra Central Cooperative Bank Limited – BASAL, the IFSC KACE0000176 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 Basal branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 1975-272169.
- 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 KACE0000176
How to transfer money using IFSC KACE0000176
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 KACE0000176 across all three.
How to use IFSC KACE0000176 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 BASAL 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC KACE0000176.
- Confirm the bank name auto-populates as The Kangra Central Cooperative Bank Limited and the branch as BASAL.
- 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 BASAL
If you need to transfer ₹2 lakh or more in one go to an account at The Kangra Central Cooperative Bank Limited's BASAL branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KACE0000176 while initiating the transfer and the credit will appear within minutes.
IMPS to The Kangra Central Cooperative Bank Limited BASAL (IFSC KACE0000176)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KACE0000176 in your mobile or internet banking app, and the money is credited to the BASAL branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Basal
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 KACE0000176:
- 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 BASAL is still linked to IFSC KACE0000176.
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 BASAL branch, the IFSC KACE0000176 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 KACE0000176
The Kangra Central Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the BASAL 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 KACE0000176 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 Basal branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC KACE0000176 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 KACE0000176
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 – BASAL, 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:
KACE0000176. - 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 Basal branch
The branch is located at TESHIL & DISTT. UNA H.P. 174303, which puts it inside Una, the broader Una district, and the state of Himachal Pradesh. To plan your visit:
- Open Google Maps on your phone and search for “The Kangra Central Cooperative Bank Limited Basal branch” — the verified location pin for IFSC KACE0000176 should appear at the top of the results.
- Confirm the branch is open by calling 1975-272169 before stepping out, especially around public holidays.
- 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 KACE0000176 and your account number.
Verifying IFSC KACE0000176 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 KACE0000176 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 1975-272169.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Basal 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 KACE0000176 continue to work without interruption.
Branch address & contact
The Kangra Central Cooperative Bank LimitedBasal Branch
TESHIL & DISTT. UNA H.P. 174303
Una, Himachal Pradesh
Phone: 1975-272169
IFSC: KACE0000176
Frequently asked questions
Does The Kangra Central Cooperative Bank Limited Basal branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 1975-272169 to confirm.
How do I add The Kangra Central Cooperative Bank Limited Basal as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC KACE0000176, and complete OTP verification. Once activated, you can transfer funds at any time.
Where is The Kangra Central Cooperative Bank Limited Basal branch located?
The Kangra Central Cooperative Bank Limited's Basal branch is located at TESHIL & DISTT. UNA H.P. 174303, Una, Himachal Pradesh.
What is the IFSC code of The Kangra Central Cooperative Bank Limited Basal branch?
The IFSC code of The Kangra Central Cooperative Bank Limited, Basal branch is KACE0000176. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Can I use IFSC KACE0000176 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC KACE0000176 to send funds instantly.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Basal branch but serve different purposes.
Summary
The IFSC code KACE0000176 belongs to The Kangra Central Cooperative Bank Limited's BASAL branch, located at TESHIL & DISTT. UNA H.P. 174303 in UNA, 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.
