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

Use this page as a one-stop reference for everything related to The Karad Urban Cooperative Bank Limited's UMBRAJ branch in UMBRAJ, MAHARASHTRA. The branch's IFSC code KUCB0488005 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

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 UMBRAJ branch, the IFSC KUCB0488005 breaks down as follows: KUCB identifies the bank, 0 is the reserved character, and 488005 identifies this particular branch.

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 Umbraj branch in Umbraj. 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, KUCB0488005.

About this branch

The branch is located at S.NO- 812, WAKDE BUILDING, JANAIDEVI SANKUL , 1 ST FLOOR , UMBRAJ - 415 109. It serves the Umbraj region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of The Karad Urban Cooperative Bank Limited. The IFSC KUCB0488005 is used to identify this branch on the RBI payments network.

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 UMBRAJ branch came to be assigned the code KUCB0488005.

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 KUCB0488005, money simply cannot be routed to the UMBRAJ branch electronically.

How to transfer money using IFSC KUCB0488005

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 KUCB0488005 across all three.

How to use IFSC KUCB0488005 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 UMBRAJ 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 KUCB0488005.
4. Confirm the bank name auto-populates as The Karad Urban Cooperative Bank Limited and the branch as UMBRAJ.
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 UMBRAJ

If you need to transfer ₹2 lakh or more in one go to an account at The Karad Urban Cooperative Bank Limited's UMBRAJ branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KUCB0488005 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 – UMBRAJ, use IMPS. With IFSC KUCB0488005 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 KUCB0488005 for The Karad Urban Cooperative Bank Limited – UMBRAJ, 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 Umbraj 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 KUCB0488005

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 – UMBRAJ is still mapped to IFSC KUCB0488005. 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 KUCB0488005 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Umbraj branch is mapped to IFSC KUCB0488005 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 KUCB0488005.

Products and services

Customers walking into the Umbraj 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 KUCB0488005

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 KUCB0488005 and the account number together uniquely identify the Umbraj branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC KUCB0488005

The Karad Urban Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the UMBRAJ 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 KUCB0488005 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 – UMBRAJ:

• The IFSC is exactly KUCB0488005 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 UMBRAJ 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 Umbraj branch sits at S.NO- 812, WAKDE BUILDING, JANAIDEVI SANKUL , 1 ST FLOOR , UMBRAJ - 415 109. If you are travelling from outside Umbraj, search for the branch on a maps application using the bank name and locality, or call 2164-264045 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 KUCB0488005 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC KUCB0488005 for The Karad Urban Cooperative Bank Limited – UMBRAJ, 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 Umbraj 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 KUCB0488005 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: KUCB0488005 is the IFSC code of The Karad Urban Cooperative Bank Limited, UMBRAJ branch, in UMBRAJ, 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.