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

Use this page as a one-stop reference for everything related to The Karad Urban Cooperative Bank Limited's VIDHYANAGAR branch in KARAD, MAHARASHTRA. The branch's IFSC code KUCB0488006 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

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 – VIDHYANAGAR is KUCB0488006. The first four letters KUCB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 488006 map to this branch in KARAD, MAHARASHTRA.

Branch details at a glance

Bank profile

The Karad Urban Cooperative Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Vidhyanagar branch — IFSC KUCB0488006 — extends the bank's services to customers in and around Karad, Maharashtra.

About this branch

The branch is located at MILKAT NO- 921 ,OPP.COLLEGE OF PHARMACY ,VIDYANAGAR, KARAD. It serves the Karad 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 KUCB0488006 is used to identify this branch on the RBI payments network.

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 VIDHYANAGAR of The Karad Urban Cooperative Bank Limited — its own 11-character IFSC. The code KUCB0488006 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 KUCB0488006 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC KUCB0488006

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 KUCB0488006 across all three.

How to use IFSC KUCB0488006 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to The Karad Urban Cooperative Bank Limited's VIDHYANAGAR 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).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC KUCB0488006.
4. Confirm the bank name auto-populates as The Karad Urban Cooperative Bank Limited and the branch as VIDHYANAGAR.
5. 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 VIDHYANAGAR

If you need to transfer ₹2 lakh or more in one go to an account at The Karad Urban Cooperative Bank Limited's VIDHYANAGAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KUCB0488006 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 – VIDHYANAGAR, use IMPS. With IFSC KUCB0488006 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 KUCB0488006 for The Karad Urban Cooperative Bank Limited – VIDHYANAGAR, 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 Vidhyanagar 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.

How UPI relates to the IFSC code

UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at The Karad Urban Cooperative Bank Limited's VIDHYANAGAR branch, the IFSC KUCB0488006 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.

That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.

Products and account variants supported

Every account opened at the Vidhyanagar branch is mapped to IFSC KUCB0488006 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 KUCB0488006.

Banking services available

The Vidhyanagar branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 2164-271326.

• 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 KUCB0488006

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 KUCB0488006 and the account number together uniquely identify the Vidhyanagar branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC KUCB0488006

The Karad Urban Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the VIDHYANAGAR 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 KUCB0488006 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.

Common mistakes to avoid when using IFSC KUCB0488006

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 – VIDHYANAGAR, 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: KUCB0488006.
• 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.

Reaching the branch

The Vidhyanagar branch sits at MILKAT NO- 921 ,OPP.COLLEGE OF PHARMACY ,VIDYANAGAR, KARAD. If you are travelling from outside Karad, search for the branch on a maps application using the bank name and locality, or call 2164-271326 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 KUCB0488006 and your account number.

Verifying IFSC KUCB0488006 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 KUCB0488006 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 2164-271326.
• 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 Vidhyanagar branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KUCB0488006, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code KUCB0488006 belongs to The Karad Urban Cooperative Bank Limited's VIDHYANAGAR branch, located at MILKAT NO- 921 ,OPP.COLLEGE OF PHARMACY ,VIDYANAGAR, KARAD in KARAD, 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.