IFSC Code of The Tamil Nadu State Apex Cooperative Bank, Puducherry Co-Operative Urban Bank Ltd Branch, Puducherry

Use this page as a one-stop reference for everything related to The Tamil Nadu State Apex Cooperative Bank's PUDUCHERRY CO-OPERATIVE URBAN BANK LTD branch in PUDUCHERRY, PUDUCHERRY. The branch's IFSC code TNSC0160102 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.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for The Tamil Nadu State Apex Cooperative Bank – PUDUCHERRY CO-OPERATIVE URBAN BANK LTD is TNSC0160102. The first four letters TNSC are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 160102 map to this branch in PUDUCHERRY, PUDUCHERRY.

Branch details at a glance

About The Tamil Nadu State Apex Cooperative Bank

The Tamil Nadu State Apex Cooperative Bank operates a wide network of branches across India, including the Puducherry Co-Operative Urban Bank Ltd branch in Puducherry. 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, TNSC0160102.

About this branch

The branch is located at H.O. 197, J N STREET, PUDUCHERRY - 605 001.. It serves the Puducherry 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 Tamil Nadu State Apex Cooperative Bank. The IFSC TNSC0160102 is used to identify this branch on the RBI payments network.

Why every The Tamil Nadu State Apex Cooperative Bank 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 PUDUCHERRY CO-OPERATIVE URBAN BANK LTD of The Tamil Nadu State Apex Cooperative Bank — its own 11-character IFSC. The code TNSC0160102 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 TNSC0160102 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 TNSC0160102

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 TNSC0160102 across all three.

How to use IFSC TNSC0160102 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to The Tamil Nadu State Apex Cooperative Bank's PUDUCHERRY CO-OPERATIVE URBAN BANK LTD 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 TNSC0160102.
4. Confirm the bank name auto-populates as The Tamil Nadu State Apex Cooperative Bank and the branch as PUDUCHERRY CO-OPERATIVE URBAN BANK LTD.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC TNSC0160102

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 Tamil Nadu State Apex Cooperative Bank – PUDUCHERRY CO-OPERATIVE URBAN BANK LTD, ensure your bank's portal accepts IFSC TNSC0160102 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to The Tamil Nadu State Apex Cooperative Bank – PUDUCHERRY CO-OPERATIVE URBAN BANK LTD, use IMPS. With IFSC TNSC0160102 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 TNSC0160102 for The Tamil Nadu State Apex Cooperative Bank – PUDUCHERRY CO-OPERATIVE URBAN BANK LTD, 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 Puducherry Co-Operative Urban Bank Ltd 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 Tamil Nadu State Apex Cooperative Bank's PUDUCHERRY CO-OPERATIVE URBAN BANK LTD branch, the IFSC TNSC0160102 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 Puducherry Co-Operative Urban Bank Ltd branch

Once you have an account at The Tamil Nadu State Apex Cooperative Bank – PUDUCHERRY CO-OPERATIVE URBAN BANK LTD, the IFSC TNSC0160102 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 Puducherry Co-Operative Urban Bank Ltd branch can access most of The Tamil Nadu State Apex Cooperative Bank'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 TNSC0160102

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by The Tamil Nadu State Apex Cooperative Bank carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC TNSC0160102 and the account number together uniquely identify the Puducherry Co-Operative Urban Bank Ltd 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 Puducherry Co-Operative Urban Bank Ltd 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 TNSC0160102 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.

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 Tamil Nadu State Apex Cooperative Bank – PUDUCHERRY CO-OPERATIVE URBAN BANK LTD:

• The IFSC is exactly TNSC0160102 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills The Tamil Nadu State Apex Cooperative Bank as the bank name and PUDUCHERRY CO-OPERATIVE URBAN BANK LTD 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 Puducherry Co-Operative Urban Bank Ltd branch sits at H.O. 197, J N STREET, PUDUCHERRY - 605 001.. If you are travelling from outside Puducherry, search for the branch on a maps application using the bank name and locality, or call 413-2222293 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 TNSC0160102 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC TNSC0160102 for The Tamil Nadu State Apex Cooperative Bank – PUDUCHERRY CO-OPERATIVE URBAN BANK LTD, 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 Puducherry Co-Operative Urban Bank Ltd 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 TNSC0160102 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code TNSC0160102 belongs to The Tamil Nadu State Apex Cooperative Bank's PUDUCHERRY CO-OPERATIVE URBAN BANK LTD branch, located at H.O. 197, J N STREET, PUDUCHERRY - 605 001. in PUDUCHERRY, PUDUCHERRY. 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.