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

Below are the complete branch details for The Karad Urban Cooperative Bank Limited, POWAI NAKA branch, located in SATARA, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is KUCB0488057. 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 KUCB0488057 for The Karad Urban Cooperative Bank Limited – POWAI NAKA — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 – POWAI NAKA is KUCB0488057. The first four letters KUCB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 488057 map to this branch in SATARA, 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 Powai Naka branch in Satara. 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, KUCB0488057.

Powai Naka branch overview

Located at SHREE MARIAAI MAHALAXMI COMPLEX, 174/A, RAVIWAR PETH SATARA - 415002, the Powai Naka branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC KUCB0488057 is required for all interbank electronic transfers routed through this branch.

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 POWAI NAKA branch came to be assigned the code KUCB0488057.

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 KUCB0488057, money simply cannot be routed to the POWAI NAKA branch electronically.

How to transfer money using IFSC KUCB0488057

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 KUCB0488057 across all three.

How to use IFSC KUCB0488057 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 POWAI NAKA 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 KUCB0488057.
4. Confirm the bank name auto-populates as The Karad Urban Cooperative Bank Limited and the branch as POWAI NAKA.
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 POWAI NAKA

If you need to transfer ₹2 lakh or more in one go to an account at The Karad Urban Cooperative Bank Limited's POWAI NAKA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KUCB0488057 while initiating the transfer and the credit will appear within minutes.

IMPS to The Karad Urban Cooperative Bank Limited POWAI NAKA (IFSC KUCB0488057)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KUCB0488057 in your mobile or internet banking app, and the money is credited to the POWAI NAKA branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Powai Naka

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 KUCB0488057:

• 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 POWAI NAKA is still linked to IFSC KUCB0488057.

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.

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 POWAI NAKA branch, the IFSC KUCB0488057 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.

Products and account variants supported

Every account opened at the Powai Naka branch is mapped to IFSC KUCB0488057 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 KUCB0488057.

Banking services available

The Powai Naka branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 2162-232910.

• 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 KUCB0488057

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 KUCB0488057 and the account number together uniquely identify the Powai Naka 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 Powai Naka 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 KUCB0488057 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 – POWAI NAKA:

• The IFSC is exactly KUCB0488057 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 POWAI NAKA 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 Powai Naka branch

The branch is located at SHREE MARIAAI MAHALAXMI COMPLEX, 174/A, RAVIWAR PETH SATARA - 415002, which puts it inside Satara, 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 Powai Naka branch” — the verified location pin for IFSC KUCB0488057 should appear at the top of the results.
2. Confirm the branch is open by calling 2162-232910 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 KUCB0488057 and your account number.

Verifying IFSC KUCB0488057 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 KUCB0488057 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 2162-232910.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Powai Naka 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 KUCB0488057 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code KUCB0488057 belongs to The Karad Urban Cooperative Bank Limited's POWAI NAKA branch, located at SHREE MARIAAI MAHALAXMI COMPLEX, 174/A, RAVIWAR PETH SATARA - 415002 in SATARA, 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.