IFSC Code of The Sindhudurg District Central Coop Bank Limited, Kuwale Branch, Maharashtra

Below are the complete branch details for The Sindhudurg District Central Coop Bank Limited, KUWALE branch, located in KUWALE, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is SIDC0001099. 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 SIDC0001099 for The Sindhudurg District Central Coop Bank Limited – KUWALE — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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, SIDC0001099 is the IFSC of The Sindhudurg District Central Coop Bank Limited's KUWALE branch. The format is fixed: SIDC = bank code, 0 = reserved, 001099 = branch identifier.

Branch details at a glance

About the bank

The Sindhudurg District Central Coop Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Kuwale branch in Kuwale, Maharashtra is part of this network and uses the IFSC code SIDC0001099 for all electronic settlement.

About the Kuwale branch

The Kuwale branch of The Sindhudurg District Central Coop Bank Limited is situated at AT AND POST KUWALE TAL DEVGAD. 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 SIDC0001099 is used.

Why every The Sindhudurg District Central Coop 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 KUWALE of The Sindhudurg District Central Coop Bank Limited — its own 11-character IFSC. The code SIDC0001099 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 SIDC0001099 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 SIDC0001099

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 SIDC0001099 across all three.

How to use IFSC SIDC0001099 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to The Sindhudurg District Central Coop Bank Limited's KUWALE 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 SIDC0001099.
4. Confirm the bank name auto-populates as The Sindhudurg District Central Coop Bank Limited and the branch as KUWALE.
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 KUWALE

If you need to transfer ₹2 lakh or more in one go to an account at The Sindhudurg District Central Coop Bank Limited's KUWALE branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC SIDC0001099 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to The Sindhudurg District Central Coop Bank Limited – KUWALE, use IMPS. With IFSC SIDC0001099 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 SIDC0001099 for The Sindhudurg District Central Coop Bank Limited – KUWALE, 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 Kuwale 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 SIDC0001099

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 Sindhudurg District Central Coop Bank Limited – KUWALE is still mapped to IFSC SIDC0001099. 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 SIDC0001099 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Kuwale branch is mapped to IFSC SIDC0001099 on the RBI payments network. The branch generally supports the full retail product catalogue of The Sindhudurg District Central Coop 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 SIDC0001099.

Banking services available

The Kuwale branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 2364-202085.

• 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 SIDC0001099

MICR & cheque-truncation details

Cheques drawn on the Kuwale branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC SIDC0001099 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC SIDC0001099

The Sindhudurg District Central Coop Bank Limited customers can register for net banking and the bank's official mobile app once their account at the KUWALE 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 SIDC0001099 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 SIDC0001099

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 Sindhudurg District Central Coop Bank Limited – KUWALE, 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: SIDC0001099.
• 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 Kuwale branch

The branch is located at AT AND POST KUWALE TAL DEVGAD, which puts it inside Kuwale, the broader Sindhudurg district, and the state of Maharashtra. To plan your visit:

1. Open Google Maps on your phone and search for “The Sindhudurg District Central Coop Bank Limited Kuwale branch” — the verified location pin for IFSC SIDC0001099 should appear at the top of the results.
2. Confirm the branch is open by calling 2364-202085 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 SIDC0001099 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC SIDC0001099 for The Sindhudurg District Central Coop Bank Limited – KUWALE, 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 Kuwale branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC SIDC0001099, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: SIDC0001099 is the IFSC code of The Sindhudurg District Central Coop Bank Limited, KUWALE branch, in KUWALE, 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.