Use this page as a one-stop reference for everything related to The Urban Cooperative Bank Limited's branch in , KERALA. The branch's IFSC code URBN0000001 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 Urban Cooperative Bank Limited – is URBN0000001. The first four letters URBN are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000001 map to this branch in , KERALA.
Branch details at a glance
| Bank Name | The Urban Cooperative Bank Limited |
|---|---|
| IFSC Code | URBN0000001 |
| MICR Code | Refer to cheque leaf |
| Branch Address | URBAN BANK BUILDING,PATTABMI ROAD,PERINTHALMANNA POST |
| State | Kerala |
| Phone | 226973 |
About the bank
The Urban Cooperative Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its branch in , Kerala is part of this network and uses the IFSC code URBN0000001 for all electronic settlement.
branch overview
Located at URBAN BANK BUILDING,PATTABMI ROAD,PERINTHALMANNA POST, the branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC URBN0000001 is required for all interbank electronic transfers routed through this branch.
The role of IFSC in India's payments network
India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how The Urban Cooperative Bank Limited's branch came to be assigned the code URBN0000001.
Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC URBN0000001, money simply cannot be routed to the branch electronically.
How to transfer money using IFSC URBN0000001
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 URBN0000001 across all three.
How to use IFSC URBN0000001 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to The Urban Cooperative Bank Limited's 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC URBN0000001.
- Confirm the bank name auto-populates as The Urban Cooperative Bank Limited and the branch as .
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC URBN0000001
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 Urban Cooperative Bank Limited – , ensure your bank's portal accepts IFSC URBN0000001 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to The Urban Cooperative Bank Limited – , use IMPS. With IFSC URBN0000001 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 URBN0000001 for The Urban Cooperative Bank Limited – , 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – URBN0000001 | Yes – URBN0000001 | Yes – URBN0000001 |
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.
UPI payments and IFSC URBN0000001
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 Urban Cooperative Bank Limited – is still mapped to IFSC URBN0000001. 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 URBN0000001 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the branch is mapped to IFSC URBN0000001 on the RBI payments network. The branch generally supports the full retail product catalogue of The Urban Cooperative 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 URBN0000001.
Products and services
Customers walking into the branch can access most of The 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 URBN0000001
MICR code & cheque clearing
Apart from IFSC, every cheque book issued by The Urban Cooperative Bank Limited carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC URBN0000001 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.
Online banking and IFSC URBN0000001
The Urban Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the 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 URBN0000001 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.
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 Urban Cooperative Bank Limited – :
- The IFSC is exactly URBN0000001 with no extra spaces.
- The beneficiary's account number matches what they shared, digit for digit.
- The portal auto-fills The Urban Cooperative Bank Limited as the bank name and 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 branch sits at URBAN BANK BUILDING,PATTABMI ROAD,PERINTHALMANNA POST. If you are travelling from outside , search for the branch on a maps application using the bank name and locality, or call 226973 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 URBN0000001 and your account number.
Verifying IFSC URBN0000001 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 URBN0000001 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 226973.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at 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 URBN0000001 continue to work without interruption.
Branch address & contact
The Urban Cooperative Bank LimitedBranch
URBAN BANK BUILDING,PATTABMI ROAD,PERINTHALMANNA POST
, Kerala
Phone: 226973
IFSC: URBN0000001
Frequently asked questions
Can I use IFSC URBN0000001 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC URBN0000001 to send funds instantly.
Does The Urban Cooperative Bank Limited branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 226973 to confirm.
What is the phone number of The Urban Cooperative Bank Limited branch?
You can reach the branch at 226973 during regular banking hours.
How quickly will an NEFT transfer using URBN0000001 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to The Urban Cooperative Bank Limited – reflect within 30 minutes.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the branch but serve different purposes.
Where is The Urban Cooperative Bank Limited branch located?
The Urban Cooperative Bank Limited's branch is located at URBAN BANK BUILDING,PATTABMI ROAD,PERINTHALMANNA POST, , Kerala.
Summary
The IFSC code URBN0000001 belongs to The Urban Cooperative Bank Limited's branch, located at URBAN BANK BUILDING,PATTABMI ROAD,PERINTHALMANNA POST in , KERALA. 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.
