IFSC Code of The Karad Urban Cooperative Bank Limited, Chiplun Branch, Maharashtra

Below are the complete branch details for The Karad Urban Cooperative Bank Limited, CHIPLUN branch, located in CHIPLUN, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is KUCB0488032. 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 KUCB0488032 for The Karad Urban Cooperative Bank Limited – CHIPLUN — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 Karad Urban Cooperative Bank Limited – CHIPLUN is KUCB0488032. The first four letters KUCB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 488032 map to this branch in CHIPLUN, MAHARASHTRA.

Bank profile

The Karad Urban Cooperative Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Chiplun branch — IFSC KUCB0488032 — extends the bank's services to customers in and around Chiplun, Maharashtra.

About this branch

The branch is located at SWAMI COMPLEX-2, NEAR BHAJI MARKET,BAZAR PETH,CHIPLUN -415 605. It serves the Chiplun 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 Karad Urban Cooperative Bank Limited. The IFSC KUCB0488032 is used to identify this branch on the RBI payments network.

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 Karad Urban Cooperative Bank Limited's CHIPLUN branch came to be assigned the code KUCB0488032.

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 KUCB0488032, money simply cannot be routed to the CHIPLUN branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Chiplun branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC KUCB0488032 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC KUCB0488032

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 KUCB0488032 across all three.

NEFT to The Karad Urban Cooperative Bank Limited, CHIPLUN using IFSC KUCB0488032

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 KUCB0488032, and confirm that the system picks up The Karad Urban Cooperative Bank Limited – CHIPLUN. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to CHIPLUN

If you need to transfer ₹2 lakh or more in one go to an account at The Karad Urban Cooperative Bank Limited's CHIPLUN branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KUCB0488032 while initiating the transfer and the credit will appear within minutes.

IMPS to The Karad Urban Cooperative Bank Limited CHIPLUN (IFSC KUCB0488032)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KUCB0488032 in your mobile or internet banking app, and the money is credited to the CHIPLUN branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Chiplun

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 KUCB0488032:

• 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 CHIPLUN is still linked to IFSC KUCB0488032.

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 KUCB0488032

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 Karad Urban Cooperative Bank Limited – CHIPLUN is still mapped to IFSC KUCB0488032. 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 KUCB0488032 and the beneficiary's account number to complete the transfer.

Account types you can open at the Chiplun branch

Once you have an account at The Karad Urban Cooperative Bank Limited – CHIPLUN, the IFSC KUCB0488032 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 Chiplun branch can access most of The Karad Urban 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 KUCB0488032

Online banking and IFSC KUCB0488032

The Karad Urban Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the CHIPLUN 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 KUCB0488032 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.

How to reach the Chiplun branch

The branch is located at SWAMI COMPLEX-2, NEAR BHAJI MARKET,BAZAR PETH,CHIPLUN -415 605, which puts it inside Chiplun, the broader Ratnagiri district, and the state of Maharashtra. To plan your visit:

1. Open Google Maps on your phone and search for “The Karad Urban Cooperative Bank Limited Chiplun branch” — the verified location pin for IFSC KUCB0488032 should appear at the top of the results.
2. Confirm the branch is open by calling 2355-260075 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 KUCB0488032 and your account number.

Things to verify before sending money

Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to The Karad Urban Cooperative Bank Limited – CHIPLUN:

• The IFSC is exactly KUCB0488032 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills The Karad Urban Cooperative Bank Limited as the bank name and CHIPLUN as the branch.
• The amount and the purpose of payment are correct.
• You have a valid OTP-verifying mobile number on hand.

A 30-second review here saves hours of reconciliation later.

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 Chiplun branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KUCB0488032, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC KUCB0488032 for The Karad Urban Cooperative Bank Limited – CHIPLUN, 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: KUCB0488032 is the IFSC code of The Karad Urban Cooperative Bank Limited, CHIPLUN branch, in CHIPLUN, MAHARASHTRA. 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.