IFSC Code of The Kolhapur Urban Co-op Bank Ltd, Gargoti Branch Branch, Maharashtra

This page lists the IFSC code, branch address, contact number and fund-transfer information for The Kolhapur Urban Co-op Bank Ltd, GARGOTI BRANCH branch in OHPR. The 11-digit IFSC KOLH0000017 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 Kolhapur Urban Co-op Bank Ltd at the GARGOTI BRANCH 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.

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 Kolhapur Urban Co-op Bank Ltd's GARGOTI BRANCH branch, the IFSC KOLH0000017 breaks down as follows: KOLH identifies the bank, 0 is the reserved character, and 000017 identifies this particular branch.

Branch details at a glance

About The Kolhapur Urban Co-op Bank Ltd

The Kolhapur Urban Co-op Bank Ltd operates a wide network of branches across India, including the Gargoti Branch branch in Ohpr. 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, KOLH0000017.

About the Gargoti Branch branch

The Gargoti Branch branch of The Kolhapur Urban Co-op Bank Ltd is situated at BLOCK NO 1091,SHOP NO 1& 2 SAYAJI PLAZA,GARGOTI-416209. 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 KOLH0000017 is used.

Why every The Kolhapur Urban Co-op Bank Ltd 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 GARGOTI BRANCH of The Kolhapur Urban Co-op Bank Ltd — its own 11-character IFSC. The code KOLH0000017 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 KOLH0000017 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 KOLH0000017

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 KOLH0000017 across all three.

NEFT to The Kolhapur Urban Co-op Bank Ltd, GARGOTI BRANCH using IFSC KOLH0000017

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 KOLH0000017, and confirm that the system picks up The Kolhapur Urban Co-op Bank Ltd – GARGOTI BRANCH. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to GARGOTI BRANCH

If you need to transfer ₹2 lakh or more in one go to an account at The Kolhapur Urban Co-op Bank Ltd's GARGOTI BRANCH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KOLH0000017 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to The Kolhapur Urban Co-op Bank Ltd – GARGOTI BRANCH, use IMPS. With IFSC KOLH0000017 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 Gargoti Branch

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 KOLH0000017:

• 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 GARGOTI BRANCH is still linked to IFSC KOLH0000017.

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 Kolhapur Urban Co-op Bank Ltd's GARGOTI BRANCH branch, the IFSC KOLH0000017 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 Gargoti Branch branch

Once you have an account at The Kolhapur Urban Co-op Bank Ltd – GARGOTI BRANCH, the IFSC KOLH0000017 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.

Banking services available

The Gargoti Branch branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 2324-222333.

• 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 KOLH0000017

MICR & cheque-truncation details

Cheques drawn on the Gargoti Branch branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC KOLH0000017 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC KOLH0000017

The Kolhapur Urban Co-op Bank Ltd customers can register for net banking and the bank's official mobile app once their account at the GARGOTI BRANCH 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 KOLH0000017 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.

Common mistakes to avoid when using IFSC KOLH0000017

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 Kolhapur Urban Co-op Bank Ltd – GARGOTI BRANCH, 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: KOLH0000017.
• 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 Gargoti Branch branch

The branch is located at BLOCK NO 1091,SHOP NO 1& 2 SAYAJI PLAZA,GARGOTI-416209, which puts it inside Ohpr, the broader Kolhapur district, and the state of Maharashtra. To plan your visit:

1. Open Google Maps on your phone and search for “The Kolhapur Urban Co-op Bank Ltd Gargoti Branch branch” — the verified location pin for IFSC KOLH0000017 should appear at the top of the results.
2. Confirm the branch is open by calling 2324-222333 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 KOLH0000017 and your account number.

Verifying IFSC KOLH0000017 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 KOLH0000017 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 2324-222333.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Gargoti Branch 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 KOLH0000017 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code KOLH0000017 belongs to The Kolhapur Urban Co-op Bank Ltd's GARGOTI BRANCH branch, located at BLOCK NO 1091,SHOP NO 1& 2 SAYAJI PLAZA,GARGOTI-416209 in OHPR, 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.