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

Below are the complete branch details for The Karad Urban Cooperative Bank Limited, GULTAKADI branch, located in PUNE, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is KUCB0488023. 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 KUCB0488023 for The Karad Urban Cooperative Bank Limited – GULTAKADI — 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, KUCB0488023 is the IFSC of The Karad Urban Cooperative Bank Limited's GULTAKADI branch. The format is fixed: KUCB = bank code, 0 = reserved, 488023 = 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 Gultakadi branch in Pune, Maharashtra is part of this network and uses the IFSC code KUCB0488023 for all electronic settlement.

Gultakadi branch overview

Located at CHATRAPATI SHIVAJI MARKET,PAN BAZAR,GULTEKADI PUNE-411 037, the Gultakadi branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC KUCB0488023 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 GULTAKADI of The Karad Urban Cooperative Bank Limited — its own 11-character IFSC. The code KUCB0488023 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 KUCB0488023 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 KUCB0488023

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 KUCB0488023 across all three.

How to use IFSC KUCB0488023 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 GULTAKADI 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 KUCB0488023.
4. Confirm the bank name auto-populates as The Karad Urban Cooperative Bank Limited and the branch as GULTAKADI.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC KUCB0488023

RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to The Karad Urban Cooperative Bank Limited – GULTAKADI, ensure your bank's portal accepts IFSC KUCB0488023 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to The Karad Urban Cooperative Bank Limited – GULTAKADI, use IMPS. With IFSC KUCB0488023 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Gultakadi

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 KUCB0488023:

• 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 GULTAKADI is still linked to IFSC KUCB0488023.

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 KUCB0488023

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 – GULTAKADI is still mapped to IFSC KUCB0488023. 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 KUCB0488023 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Gultakadi branch is mapped to IFSC KUCB0488023 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 KUCB0488023.

Banking services available

The Gultakadi branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 20-24268109.

• 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 KUCB0488023

MICR & cheque-truncation details

Cheques drawn on the Gultakadi branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC KUCB0488023 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC KUCB0488023

The Karad Urban Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the GULTAKADI 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 KUCB0488023 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 – GULTAKADI:

• The IFSC is exactly KUCB0488023 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 GULTAKADI 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.

How to reach the Gultakadi branch

The branch is located at CHATRAPATI SHIVAJI MARKET,PAN BAZAR,GULTEKADI PUNE-411 037, which puts it inside Pune, the broader Pune 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 Gultakadi branch” — the verified location pin for IFSC KUCB0488023 should appear at the top of the results.
2. Confirm the branch is open by calling 20-24268109 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 KUCB0488023 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC KUCB0488023 for The Karad Urban Cooperative Bank Limited – GULTAKADI, 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.

Working hours

Branch counters at Gultakadi 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 KUCB0488023 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: KUCB0488023 is the IFSC code of The Karad Urban Cooperative Bank Limited, GULTAKADI 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.