This page lists the IFSC code, branch address, contact number and fund-transfer information for The Kangra Central Cooperative Bank Limited, DUSHARA branch in UNA. The 11-digit IFSC KACE0000087 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 DUSHARA 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.
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 DUSHARA branch, the IFSC KACE0000087 breaks down as follows: KACE identifies the bank, 0 is the reserved character, and 000087 identifies this particular branch.
Bank profile
The Kangra Central Cooperative Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Dushara branch — IFSC KACE0000087 — extends the bank's services to customers in and around Una, Himachal Pradesh.
Branch details at a glance
| Bank Name | The Kangra Central Cooperative Bank Limited |
|---|---|
| Branch | Dushara |
| IFSC Code | KACE0000087 |
| MICR Code | Refer to cheque leaf |
| Branch Address | TESHIL & DISTT. UNA 174302 |
| City | Una |
| District | Una |
| State | Himachal Pradesh |
| STD Code | 1976 |
| Phone | 233002 |
Dushara branch overview
Located at TESHIL & DISTT. UNA 174302, the Dushara branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC KACE0000087 is required for all interbank electronic transfers routed through this branch.
Why every The Kangra Central Cooperative Bank Limited branch has a unique IFSC
Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including DUSHARA of The Kangra Central Cooperative Bank Limited — its own 11-character IFSC. The code KACE0000087 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.
Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC KACE0000087 the same way you would treat your account number — verify it once and save it carefully for future use.
Products and account variants supported
Every account opened at the Dushara branch is mapped to IFSC KACE0000087 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 KACE0000087.
Products and services
Customers walking into the Dushara 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 KACE0000087
How to transfer money using IFSC KACE0000087
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 KACE0000087 across all three.
How to use IFSC KACE0000087 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 DUSHARA 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 KACE0000087.
- Confirm the bank name auto-populates as The Kangra Central Cooperative Bank Limited and the branch as DUSHARA.
- 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 DUSHARA
If you need to transfer ₹2 lakh or more in one go to an account at The Kangra Central Cooperative Bank Limited's DUSHARA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KACE0000087 while initiating the transfer and the credit will appear within minutes.
IMPS to The Kangra Central Cooperative Bank Limited DUSHARA (IFSC KACE0000087)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KACE0000087 in your mobile or internet banking app, and the money is credited to the DUSHARA branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC KACE0000087 for The Kangra Central Cooperative Bank Limited – DUSHARA, 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 – KACE0000087 | Yes – KACE0000087 | Yes – KACE0000087 |
For most retail customers crediting the Dushara 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 KACE0000087
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 – DUSHARA is still mapped to IFSC KACE0000087. 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 KACE0000087 and the beneficiary's account number to complete the transfer.
Digital banking channels
Most day-to-day work that customers used to do at the Dushara 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 KACE0000087 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.
MICR & cheque-truncation details
Cheques drawn on the Dushara branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC KACE0000087 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 KACE0000087
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 – DUSHARA, 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:
KACE0000087. - 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 Dushara branch
The branch is located at TESHIL & DISTT. UNA 174302, 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 Dushara branch” — the verified location pin for IFSC KACE0000087 should appear at the top of the results.
- Confirm the branch is open by calling 1976-233002 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 KACE0000087 and your account number.
Verifying IFSC KACE0000087 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 KACE0000087 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 1976-233002.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Dushara 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 KACE0000087 continue to work without interruption.
Branch address & contact
The Kangra Central Cooperative Bank LimitedDushara Branch
TESHIL & DISTT. UNA 174302
Una, Himachal Pradesh
Phone: 1976-233002
IFSC: KACE0000087
Frequently asked questions
Where is The Kangra Central Cooperative Bank Limited Dushara branch located?
The Kangra Central Cooperative Bank Limited's Dushara branch is located at TESHIL & DISTT. UNA 174302, Una, Himachal Pradesh.
What is the phone number of The Kangra Central Cooperative Bank Limited Dushara branch?
You can reach the branch at 1976-233002 during regular banking hours.
What is the IFSC code of The Kangra Central Cooperative Bank Limited Dushara branch?
The IFSC code of The Kangra Central Cooperative Bank Limited, Dushara branch is KACE0000087. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Can I use IFSC KACE0000087 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC KACE0000087 to send funds instantly.
How quickly will an NEFT transfer using KACE0000087 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to The Kangra Central Cooperative Bank Limited – Dushara reflect within 30 minutes.
Is IFSC KACE0000087 valid for NEFT and RTGS?
Yes. IFSC KACE0000087 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Is IFSC KACE0000087 the same for all accounts at Dushara branch?
Yes. The IFSC KACE0000087 is shared by every account held at The Kangra Central Cooperative Bank Limited's Dushara branch. Only the account number changes from customer to customer.
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 Dushara branch but serve different purposes.
Summary
The IFSC code KACE0000087 belongs to The Kangra Central Cooperative Bank Limited's DUSHARA branch, located at TESHIL & DISTT. UNA 174302 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.
