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

This page lists the IFSC code, branch address, contact number and fund-transfer information for The Karad Urban Cooperative Bank Limited, JAYSINGPUR branch in JAYSINGPUR. The 11-digit IFSC KUCB0488077 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 Karad Urban Cooperative Bank Limited at the JAYSINGPUR 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.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, KUCB0488077 is the IFSC of The Karad Urban Cooperative Bank Limited's JAYSINGPUR branch. The format is fixed: KUCB = bank code, 0 = reserved, 488077 = branch identifier.

Bank profile

The Karad Urban Cooperative Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Jaysingpur branch — IFSC KUCB0488077 — extends the bank's services to customers in and around Jaysingpur, Maharashtra.

Jaysingpur branch overview

Located at 6TH LANE,NEHRU ROAD,JAYSINGPUR,TAL.SHIROL,DIST-KOLHAPUR,JAYSINGPUR-416101, the Jaysingpur branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC KUCB0488077 is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

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 JAYSINGPUR of The Karad Urban Cooperative Bank Limited — its own 11-character IFSC. The code KUCB0488077 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 KUCB0488077 the same way you would treat your account number — verify it once and save it carefully for future use.

MICR & cheque-truncation details

Cheques drawn on the Jaysingpur branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC KUCB0488077 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 KUCB0488077

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 KUCB0488077 across all three.

NEFT to The Karad Urban Cooperative Bank Limited, JAYSINGPUR using IFSC KUCB0488077

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 KUCB0488077, and confirm that the system picks up The Karad Urban Cooperative Bank Limited – JAYSINGPUR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC KUCB0488077

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 Karad Urban Cooperative Bank Limited – JAYSINGPUR, ensure your bank's portal accepts IFSC KUCB0488077 while registering the beneficiary. RTGS is also available 24x7.

IMPS to The Karad Urban Cooperative Bank Limited JAYSINGPUR (IFSC KUCB0488077)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KUCB0488077 in your mobile or internet banking app, and the money is credited to the JAYSINGPUR branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Jaysingpur

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 KUCB0488077:

• 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 JAYSINGPUR is still linked to IFSC KUCB0488077.

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 KUCB0488077

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 – JAYSINGPUR is still mapped to IFSC KUCB0488077. 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 KUCB0488077 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Jaysingpur branch is mapped to IFSC KUCB0488077 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 KUCB0488077.

Banking services available

The Jaysingpur branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 9112200607.

• 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 KUCB0488077

Online banking and IFSC KUCB0488077

The Karad Urban Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the JAYSINGPUR 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 KUCB0488077 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 Jaysingpur branch

The branch is located at 6TH LANE,NEHRU ROAD,JAYSINGPUR,TAL.SHIROL,DIST-KOLHAPUR,JAYSINGPUR-416101, which puts it inside Jaysingpur, 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 Jaysingpur branch” — the verified location pin for IFSC KUCB0488077 should appear at the top of the results.
2. Confirm the branch is open by calling 9112200607 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 KUCB0488077 and your account number.

Common mistakes to avoid when using IFSC KUCB0488077

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 Karad Urban Cooperative Bank Limited – JAYSINGPUR, 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: KUCB0488077.
• 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.

Working hours

Branch counters at Jaysingpur 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 KUCB0488077 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC KUCB0488077 for The Karad Urban Cooperative Bank Limited – JAYSINGPUR, 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

Summary

The IFSC code KUCB0488077 belongs to The Karad Urban Cooperative Bank Limited's JAYSINGPUR branch, located at 6TH LANE,NEHRU ROAD,JAYSINGPUR,TAL.SHIROL,DIST-KOLHAPUR,JAYSINGPUR-416101 in JAYSINGPUR, MAHARASHTRA. 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.