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

This page lists the IFSC code, branch address, contact number and fund-transfer information for The Karad Urban Cooperative Bank Limited, KALEWADI branch in PUNE. The 11-digit IFSC KUCB0488054 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 KALEWADI 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.

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 – KALEWADI is KUCB0488054. The first four letters KUCB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 488054 map to this branch in PUNE, MAHARASHTRA.

Branch details at a glance

About The Karad Urban Cooperative Bank Limited

The Karad Urban Cooperative Bank Limited operates a wide network of branches across India, including the Kalewadi branch in Pune. 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, KUCB0488054.

About the Kalewadi branch

The Kalewadi branch of The Karad Urban Cooperative Bank Limited is situated at S.NO.25/1/1 , IST FLOOR, KALEWADI PHATA, RAHATANI, PIMPARI , PUNE - 411 017. 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 KUCB0488054 is used.

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 KALEWADI branch came to be assigned the code KUCB0488054.

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 KUCB0488054, money simply cannot be routed to the KALEWADI branch electronically.

How to transfer money using IFSC KUCB0488054

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 KUCB0488054 across all three.

NEFT to The Karad Urban Cooperative Bank Limited, KALEWADI using IFSC KUCB0488054

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 KUCB0488054, and confirm that the system picks up The Karad Urban Cooperative Bank Limited – KALEWADI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to KALEWADI

If you need to transfer ₹2 lakh or more in one go to an account at The Karad Urban Cooperative Bank Limited's KALEWADI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KUCB0488054 while initiating the transfer and the credit will appear within minutes.

IMPS to The Karad Urban Cooperative Bank Limited KALEWADI (IFSC KUCB0488054)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KUCB0488054 in your mobile or internet banking app, and the money is credited to the KALEWADI branch account within seconds.

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

All three modes accept the IFSC KUCB0488054 for The Karad Urban Cooperative Bank Limited – KALEWADI, 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 Kalewadi 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 KALEWADI branch, the IFSC KUCB0488054 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.

Account types you can open at the Kalewadi branch

Once you have an account at The Karad Urban Cooperative Bank Limited – KALEWADI, the IFSC KUCB0488054 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 Kalewadi 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 KUCB0488054

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 KUCB0488054 and the account number together uniquely identify the Kalewadi branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Digital banking channels

Most day-to-day work that customers used to do at the Kalewadi 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 KUCB0488054 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.

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 – KALEWADI:

• The IFSC is exactly KUCB0488054 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 KALEWADI 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 Kalewadi branch

The branch is located at S.NO.25/1/1 , IST FLOOR, KALEWADI PHATA, RAHATANI, PIMPARI , PUNE - 411 017, 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 Kalewadi branch” — the verified location pin for IFSC KUCB0488054 should appear at the top of the results.
2. Confirm the branch is open by calling 20-27272000 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 KUCB0488054 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC KUCB0488054 for The Karad Urban Cooperative Bank Limited – KALEWADI, 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.

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 Kalewadi branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KUCB0488054, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: KUCB0488054 is the IFSC code of The Karad Urban Cooperative Bank Limited, KALEWADI 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.