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

Below are the complete branch details for The Karad Urban Cooperative Bank Limited, TALBHAG branch, located in KARAD, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is KUCB0488002. 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 KUCB0488002 for The Karad Urban Cooperative Bank Limited – TALBHAG — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 Karad Urban Cooperative Bank Limited's TALBHAG branch, the IFSC KUCB0488002 breaks down as follows: KUCB identifies the bank, 0 is the reserved character, and 488002 identifies this particular branch.

Bank profile

The Karad Urban Cooperative Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Talbhag branch — IFSC KUCB0488002 — extends the bank's services to customers in and around Karad, Maharashtra.

Talbhag branch overview

Located at PLOT NO- 533 KRISHNA BUILDING, SHANIWAR PETH ,KARAD -415 110, the Talbhag branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC KUCB0488002 is required for all interbank electronic transfers routed through this branch.

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 TALBHAG branch came to be assigned the code KUCB0488002.

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 KUCB0488002, money simply cannot be routed to the TALBHAG branch electronically.

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 KUCB0488002 and the account number together uniquely identify the Talbhag branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC KUCB0488002

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 KUCB0488002 across all three.

NEFT to The Karad Urban Cooperative Bank Limited, TALBHAG using IFSC KUCB0488002

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 KUCB0488002, and confirm that the system picks up The Karad Urban Cooperative Bank Limited – TALBHAG. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to TALBHAG

If you need to transfer ₹2 lakh or more in one go to an account at The Karad Urban Cooperative Bank Limited's TALBHAG branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KUCB0488002 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 – TALBHAG, use IMPS. With IFSC KUCB0488002 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC KUCB0488002 for The Karad Urban Cooperative Bank Limited – TALBHAG, 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.

For most retail customers crediting the Talbhag 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 KUCB0488002

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 – TALBHAG is still mapped to IFSC KUCB0488002. 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 KUCB0488002 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Talbhag branch is mapped to IFSC KUCB0488002 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 KUCB0488002.

Products and services

Customers walking into the Talbhag 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 KUCB0488002

Digital banking channels

Most day-to-day work that customers used to do at the Talbhag 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 KUCB0488002 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.

Reaching the branch

The Talbhag branch sits at PLOT NO- 533 KRISHNA BUILDING, SHANIWAR PETH ,KARAD -415 110. If you are travelling from outside Karad, search for the branch on a maps application using the bank name and locality, or call 2164-222458 to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC KUCB0488002 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 – TALBHAG:

• The IFSC is exactly KUCB0488002 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 TALBHAG 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.

Working hours

Branch counters at Talbhag 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 KUCB0488002 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC KUCB0488002 for The Karad Urban Cooperative Bank Limited – TALBHAG, 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: KUCB0488002 is the IFSC code of The Karad Urban Cooperative Bank Limited, TALBHAG branch, in KARAD, 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.