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

If you are searching for the IFSC code of The Karad Urban Cooperative Bank Limited, ICHALKARANJI branch in ICHALKARANJI, MAHARASHTRA, this page has every detail you need. The verified IFSC code for this branch is KUCB0488090. 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 ICHALKARANJI branch, and detailed step-by-step guides for using the IFSC KUCB0488090 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.

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 – ICHALKARANJI is KUCB0488090. The first four letters KUCB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 488090 map to this branch in ICHALKARANJI, MAHARASHTRA.

About the bank

The Karad Urban Cooperative Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Ichalkaranji branch in Ichalkaranji, Maharashtra is part of this network and uses the IFSC code KUCB0488090 for all electronic settlement.

Branch details at a glance

About the Ichalkaranji branch

The Ichalkaranji branch of The Karad Urban Cooperative Bank Limited is situated at CITY SERVEY NO. 17018, CONGRESS BHAVAN, WARD NO. 12, HOUSE NO. 186, BANGLA ROAD, ICHALKARANJI, HATKANANGALE, KOLHAPUR- 416115. 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 KUCB0488090 is used.

Why every The Karad Urban 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 ICHALKARANJI of The Karad Urban Cooperative Bank Limited — its own 11-character IFSC. The code KUCB0488090 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 KUCB0488090 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 Ichalkaranji branch is mapped to IFSC KUCB0488090 on the RBI payments network. The branch generally supports the full retail product catalogue of The Karad Urban 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 KUCB0488090.

Products and services

Customers walking into the Ichalkaranji 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 KUCB0488090

How to transfer money using IFSC KUCB0488090

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 KUCB0488090 across all three.

NEFT to The Karad Urban Cooperative Bank Limited, ICHALKARANJI using IFSC KUCB0488090

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 KUCB0488090, and confirm that the system picks up The Karad Urban Cooperative Bank Limited – ICHALKARANJI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to ICHALKARANJI

If you need to transfer ₹2 lakh or more in one go to an account at The Karad Urban Cooperative Bank Limited's ICHALKARANJI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KUCB0488090 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to The Karad Urban Cooperative Bank Limited – ICHALKARANJI, use IMPS. With IFSC KUCB0488090 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Ichalkaranji

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 KUCB0488090:

• 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 ICHALKARANJI is still linked to IFSC KUCB0488090.

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 KUCB0488090

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 – ICHALKARANJI is still mapped to IFSC KUCB0488090. 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 KUCB0488090 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 Ichalkaranji 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 KUCB0488090 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 code & cheque clearing

Apart from IFSC, every cheque book issued by The Karad Urban 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 KUCB0488090 and the account number together uniquely identify the Ichalkaranji branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – ICHALKARANJI:

• The IFSC is exactly KUCB0488090 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 ICHALKARANJI 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.

How to reach the Ichalkaranji branch

The branch is located at CITY SERVEY NO. 17018, CONGRESS BHAVAN, WARD NO. 12, HOUSE NO. 186, BANGLA ROAD, ICHALKARANJI, HATKANANGALE, KOLHAPUR- 416115, which puts it inside Ichalkaranji, the broader Kolhapur 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 Ichalkaranji branch” — the verified location pin for IFSC KUCB0488090 should appear at the top of the results.
2. Confirm the branch is open by calling the branch contact number 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 KUCB0488090 and your account number.

Verifying IFSC KUCB0488090 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 KUCB0488090 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on the branch contact number.
• 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 Ichalkaranji branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KUCB0488090, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: KUCB0488090 is the IFSC code of The Karad Urban Cooperative Bank Limited, ICHALKARANJI branch, in ICHALKARANJI, 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.