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

This page lists the IFSC code, branch address, contact number and fund-transfer information for The Karad Urban Cooperative Bank Limited, VADUJ branch in VADUJ. The 11-digit IFSC KUCB0488009 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 VADUJ 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.

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, KUCB0488009 is the IFSC of The Karad Urban Cooperative Bank Limited's VADUJ branch. The format is fixed: KUCB = bank code, 0 = reserved, 488009 = branch identifier.

About The Karad Urban Cooperative Bank Limited

The Karad Urban Cooperative Bank Limited operates a wide network of branches across India, including the Vaduj branch in Vaduj. 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, KUCB0488009.

Branch details at a glance

About the Vaduj branch

The Vaduj branch of The Karad Urban Cooperative Bank Limited is situated at C.S.NO -696,MAIN ROAD VADUJ TAL- KHATAV - 415 506. 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 KUCB0488009 is used.

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 VADUJ of The Karad Urban Cooperative Bank Limited — its own 11-character IFSC. The code KUCB0488009 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 KUCB0488009 the same way you would treat your account number — verify it once and save it carefully for future use.

Account types you can open at the Vaduj branch

Once you have an account at The Karad Urban Cooperative Bank Limited – VADUJ, the IFSC KUCB0488009 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 Vaduj 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 KUCB0488009

How to transfer money using IFSC KUCB0488009

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 KUCB0488009 across all three.

NEFT to The Karad Urban Cooperative Bank Limited, VADUJ using IFSC KUCB0488009

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 KUCB0488009, and confirm that the system picks up The Karad Urban Cooperative Bank Limited – VADUJ. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC KUCB0488009

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 – VADUJ, ensure your bank's portal accepts IFSC KUCB0488009 while registering the beneficiary. RTGS is also available 24x7.

IMPS to The Karad Urban Cooperative Bank Limited VADUJ (IFSC KUCB0488009)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KUCB0488009 in your mobile or internet banking app, and the money is credited to the VADUJ branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Vaduj

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 KUCB0488009:

• 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 VADUJ is still linked to IFSC KUCB0488009.

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 KUCB0488009

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 – VADUJ is still mapped to IFSC KUCB0488009. 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 KUCB0488009 and the beneficiary's account number to complete the transfer.

Digital banking channels

Most day-to-day work that customers used to do at the Vaduj 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 KUCB0488009 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.

MICR & cheque-truncation details

Cheques drawn on the Vaduj branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC KUCB0488009 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Common mistakes to avoid when using IFSC KUCB0488009

An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to The Karad Urban Cooperative Bank Limited – VADUJ, double-check for these issues:

• Confusing 0 with O. The fifth character of every IFSC is the digit 0, not the letter O. Read carefully.
• Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters: KUCB0488009.
• Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
• Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
• Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.

How to reach the Vaduj branch

The branch is located at C.S.NO -696,MAIN ROAD VADUJ TAL- KHATAV - 415 506, which puts it inside Vaduj, 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 Vaduj branch” — the verified location pin for IFSC KUCB0488009 should appear at the top of the results.
2. Confirm the branch is open by calling 2161-231325 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 KUCB0488009 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC KUCB0488009 for The Karad Urban Cooperative Bank Limited – VADUJ, 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 Vaduj branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KUCB0488009, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: KUCB0488009 is the IFSC code of The Karad Urban Cooperative Bank Limited, VADUJ branch, in VADUJ, 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.