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

Below are the complete branch details for The Karad Urban Cooperative Bank Limited, BANER branch, located in PUNE, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is KUCB0488051. 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 KUCB0488051 for The Karad Urban Cooperative Bank Limited – BANER — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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, KUCB0488051 is the IFSC of The Karad Urban Cooperative Bank Limited's BANER branch. The format is fixed: KUCB = bank code, 0 = reserved, 488051 = branch identifier.

Branch details at a glance

About the bank

The Karad Urban Cooperative Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Baner branch in Pune, Maharashtra is part of this network and uses the IFSC code KUCB0488051 for all electronic settlement.

Baner branch overview

Located at FOCUS , S.NO- 82, NEAR ORCHID SCHOOL, BANER PUNE - 411 045, the Baner branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC KUCB0488051 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 BANER of The Karad Urban Cooperative Bank Limited — its own 11-character IFSC. The code KUCB0488051 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 KUCB0488051 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 KUCB0488051

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 KUCB0488051 across all three.

NEFT to The Karad Urban Cooperative Bank Limited, BANER using IFSC KUCB0488051

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 KUCB0488051, and confirm that the system picks up The Karad Urban Cooperative Bank Limited – BANER. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to BANER

If you need to transfer ₹2 lakh or more in one go to an account at The Karad Urban Cooperative Bank Limited's BANER branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KUCB0488051 while initiating the transfer and the credit will appear within minutes.

IMPS to The Karad Urban Cooperative Bank Limited BANER (IFSC KUCB0488051)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KUCB0488051 in your mobile or internet banking app, and the money is credited to the BANER branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Baner

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 KUCB0488051:

• 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 BANER is still linked to IFSC KUCB0488051.

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 KUCB0488051

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 – BANER is still mapped to IFSC KUCB0488051. 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 KUCB0488051 and the beneficiary's account number to complete the transfer.

Account types you can open at the Baner branch

Once you have an account at The Karad Urban Cooperative Bank Limited – BANER, the IFSC KUCB0488051 stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

Products and services

Customers walking into the Baner 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 KUCB0488051

MICR & cheque-truncation details

Cheques drawn on the Baner branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC KUCB0488051 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC KUCB0488051

The Karad Urban Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the BANER 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 KUCB0488051 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.

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 – BANER:

• The IFSC is exactly KUCB0488051 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 BANER 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.

Reaching the branch

The Baner branch sits at FOCUS , S.NO- 82, NEAR ORCHID SCHOOL, BANER PUNE - 411 045. If you are travelling from outside Pune, search for the branch on a maps application using the bank name and locality, or call 20-27292930 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 KUCB0488051 and your account number.

Verifying IFSC KUCB0488051 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 KUCB0488051 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 20-27292930.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Baner 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 KUCB0488051 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: KUCB0488051 is the IFSC code of The Karad Urban Cooperative Bank Limited, BANER branch, in PUNE, 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.