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

This page lists the IFSC code, branch address, contact number and fund-transfer information for The Karad Urban Cooperative Bank Limited, LONAND branch in LONAND. The 11-digit IFSC KUCB0488080 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 LONAND 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, KUCB0488080 is the IFSC of The Karad Urban Cooperative Bank Limited's LONAND branch. The format is fixed: KUCB = bank code, 0 = reserved, 488080 = branch identifier.

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 Lonand branch — IFSC KUCB0488080 — extends the bank's services to customers in and around Lonand, Maharashtra.

Lonand branch overview

Located at KASHIVISHWESHWESHWAR BUILDING,GALA NO.3,4 & 6,S.NO.224/1/366 B,219/1,LONAND,TAL-KHANDALA DIST-SATARA,LONAND-415521, the Lonand branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC KUCB0488080 is required for all interbank electronic transfers routed through this branch.

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 LONAND of The Karad Urban Cooperative Bank Limited — its own 11-character IFSC. The code KUCB0488080 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 KUCB0488080 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 KUCB0488080

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 KUCB0488080 across all three.

How to use IFSC KUCB0488080 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 LONAND 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 KUCB0488080.
4. Confirm the bank name auto-populates as The Karad Urban Cooperative Bank Limited and the branch as LONAND.
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 LONAND

If you need to transfer ₹2 lakh or more in one go to an account at The Karad Urban Cooperative Bank Limited's LONAND branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KUCB0488080 while initiating the transfer and the credit will appear within minutes.

IMPS to The Karad Urban Cooperative Bank Limited LONAND (IFSC KUCB0488080)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KUCB0488080 in your mobile or internet banking app, and the money is credited to the LONAND branch account within seconds.

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

All three modes accept the IFSC KUCB0488080 for The Karad Urban Cooperative Bank Limited – LONAND, 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 Lonand 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 KUCB0488080

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 – LONAND is still mapped to IFSC KUCB0488080. 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 KUCB0488080 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Lonand branch is mapped to IFSC KUCB0488080 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 KUCB0488080.

Banking services available

The Lonand branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 9112200604.

• 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 KUCB0488080

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 KUCB0488080 and the account number together uniquely identify the Lonand branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC KUCB0488080

The Karad Urban Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the LONAND 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 KUCB0488080 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 KUCB0488080

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 – LONAND, 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: KUCB0488080.
• 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.

How to reach the Lonand branch

The branch is located at KASHIVISHWESHWESHWAR BUILDING,GALA NO.3,4 & 6,S.NO.224/1/366 B,219/1,LONAND,TAL-KHANDALA DIST-SATARA,LONAND-415521, which puts it inside Lonand, the broader Satara 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 Lonand branch” — the verified location pin for IFSC KUCB0488080 should appear at the top of the results.
2. Confirm the branch is open by calling 9112200604 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 KUCB0488080 and your account number.

Verifying IFSC KUCB0488080 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 KUCB0488080 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 9112200604.
• 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 Lonand branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KUCB0488080, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code KUCB0488080 belongs to The Karad Urban Cooperative Bank Limited's LONAND branch, located at KASHIVISHWESHWESHWAR BUILDING,GALA NO.3,4 & 6,S.NO.224/1/366… in LONAND, 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.