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

If you are searching for the IFSC code of The Karad Urban Cooperative Bank Limited, MHASWAD branch in MHASWAD, MAHARASHTRA, this page has every detail you need. The verified IFSC code for this branch is KUCB0488017. 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 MHASWAD branch, and detailed step-by-step guides for using the IFSC KUCB0488017 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.

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 MHASWAD branch, the IFSC KUCB0488017 breaks down as follows: KUCB identifies the bank, 0 is the reserved character, and 488017 identifies this particular branch.

About The Karad Urban Cooperative Bank Limited

The Karad Urban Cooperative Bank Limited operates a wide network of branches across India, including the Mhaswad branch in Mhaswad. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, KUCB0488017.

About the Mhaswad branch

The Mhaswad branch of The Karad Urban Cooperative Bank Limited is situated at SHIKHAR SHINGNAPUR ROAD ,MHASWAD TAL-MAN 415 509. 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 KUCB0488017 is used.

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 MHASWAD branch came to be assigned the code KUCB0488017.

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 KUCB0488017, money simply cannot be routed to the MHASWAD 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 KUCB0488017 and the account number together uniquely identify the Mhaswad branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC KUCB0488017

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 KUCB0488017 across all three.

NEFT to The Karad Urban Cooperative Bank Limited, MHASWAD using IFSC KUCB0488017

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 KUCB0488017, and confirm that the system picks up The Karad Urban Cooperative Bank Limited – MHASWAD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to MHASWAD

If you need to transfer ₹2 lakh or more in one go to an account at The Karad Urban Cooperative Bank Limited's MHASWAD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KUCB0488017 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 – MHASWAD, use IMPS. With IFSC KUCB0488017 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 KUCB0488017 for The Karad Urban Cooperative Bank Limited – MHASWAD, 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 Mhaswad 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 KUCB0488017

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 – MHASWAD is still mapped to IFSC KUCB0488017. 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 KUCB0488017 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Mhaswad branch is mapped to IFSC KUCB0488017 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 KUCB0488017.

Products and services

Customers walking into the Mhaswad 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 KUCB0488017

Digital banking channels

Most day-to-day work that customers used to do at the Mhaswad 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 KUCB0488017 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 Mhaswad branch sits at SHIKHAR SHINGNAPUR ROAD ,MHASWAD TAL-MAN 415 509. If you are travelling from outside Mhaswad, search for the branch on a maps application using the bank name and locality, or call 2373-270302 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 KUCB0488017 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 – MHASWAD:

• The IFSC is exactly KUCB0488017 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 MHASWAD 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 Mhaswad 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 KUCB0488017 continue to work without interruption.

Verifying IFSC KUCB0488017 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 KUCB0488017 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 2373-270302.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Summary

The IFSC code KUCB0488017 belongs to The Karad Urban Cooperative Bank Limited's MHASWAD branch, located at SHIKHAR SHINGNAPUR ROAD ,MHASWAD TAL-MAN 415 509 in MHASWAD, 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.