IFSC Code of The Pandharpur Urban Cooperative Bank Limited Pandharpur, Branch, Maharashtra

This page lists the IFSC code, branch address, contact number and fund-transfer information for The Pandharpur Urban Cooperative Bank Limited Pandharpur, branch in . The 11-digit IFSC PUCB0000012 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 Pandharpur Urban Cooperative Bank Limited Pandharpur at the 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 Pandharpur Urban Cooperative Bank Limited Pandharpur's branch, the IFSC PUCB0000012 breaks down as follows: PUCB identifies the bank, 0 is the reserved character, and 000012 identifies this particular branch.

Branch details at a glance

About the bank

The Pandharpur Urban Cooperative Bank Limited Pandharpur serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its branch in , Maharashtra is part of this network and uses the IFSC code PUCB0000012 for all electronic settlement.

About this branch

The branch is located at KHADAKPURA GALLI,VAIRAG,413402. It serves the 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 Pandharpur Urban Cooperative Bank Limited Pandharpur. The IFSC PUCB0000012 is used to identify this branch on the RBI payments network.

Why every The Pandharpur Urban Cooperative Bank Limited Pandharpur 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 of The Pandharpur Urban Cooperative Bank Limited Pandharpur — its own 11-character IFSC. The code PUCB0000012 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 PUCB0000012 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 PUCB0000012

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 PUCB0000012 across all three.

NEFT to The Pandharpur Urban Cooperative Bank Limited Pandharpur, using IFSC PUCB0000012

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 PUCB0000012, and confirm that the system picks up The Pandharpur Urban Cooperative Bank Limited Pandharpur – . Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC PUCB0000012

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 Pandharpur Urban Cooperative Bank Limited Pandharpur – , ensure your bank's portal accepts IFSC PUCB0000012 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to The Pandharpur Urban Cooperative Bank Limited Pandharpur – , use IMPS. With IFSC PUCB0000012 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 PUCB0000012 for The Pandharpur Urban Cooperative Bank Limited Pandharpur – , 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 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 Pandharpur Urban Cooperative Bank Limited Pandharpur's branch, the IFSC PUCB0000012 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 branch is mapped to IFSC PUCB0000012 on the RBI payments network. The branch generally supports the full retail product catalogue of The Pandharpur Urban Cooperative Bank Limited Pandharpur, 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 PUCB0000012.

Banking services available

The branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 240533.

• 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 PUCB0000012

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by The Pandharpur Urban Cooperative Bank Limited Pandharpur carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC PUCB0000012 and the account number together uniquely identify the 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 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 PUCB0000012 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.

Common mistakes to avoid when using IFSC PUCB0000012

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 Pandharpur Urban Cooperative Bank Limited Pandharpur – , 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: PUCB0000012.
• 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 branch

The branch is located at KHADAKPURA GALLI,VAIRAG,413402, which puts it inside , the broader district, and the state of Maharashtra. To plan your visit:

1. Open Google Maps on your phone and search for “The Pandharpur Urban Cooperative Bank Limited Pandharpur branch” — the verified location pin for IFSC PUCB0000012 should appear at the top of the results.
2. Confirm the branch is open by calling 240533 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 PUCB0000012 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC PUCB0000012 for The Pandharpur Urban Cooperative Bank Limited Pandharpur – , 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 branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC PUCB0000012, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: PUCB0000012 is the IFSC code of The Pandharpur Urban Cooperative Bank Limited Pandharpur, branch, in , 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.