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 URBN00000B2 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.
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 Urban Cooperative Bank Limited's branch, the IFSC URBN00000B2 breaks down as follows: URBN identifies the bank, 0 is the reserved character, and 0000B2 identifies this particular branch.
About The Urban Cooperative Bank Limited
The Urban Cooperative Bank Limited operates a wide network of branches across India, including the branch in . 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, URBN00000B2.
Branch details at a glance
| Bank Name | The Urban Cooperative Bank Limited |
|---|---|
| IFSC Code | URBN00000B2 |
| MICR Code | Refer to cheque leaf |
| Branch Address | KARINKALLATHANI,THAZHEKKODE POST |
| State | Kerala |
| Phone | 251231 |
branch overview
Located at KARINKALLATHANI,THAZHEKKODE 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 URBN00000B2 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 URBN00000B2.
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 URBN00000B2, money simply cannot be routed to the branch electronically.
Account types you can open at the branch
Once you have an account at The Urban Cooperative Bank Limited – , the IFSC URBN00000B2 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 branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 251231.
- 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 URBN00000B2
How to transfer money using IFSC URBN00000B2
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 URBN00000B2 across all three.
NEFT to The Urban Cooperative Bank Limited, using IFSC URBN00000B2
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 URBN00000B2, and confirm that the system picks up The Urban Cooperative Bank Limited – . Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to
If you need to transfer ₹2 lakh or more in one go to an account at The Urban Cooperative Bank Limited's branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC URBN00000B2 while initiating the transfer and the credit will appear within minutes.
IMPS to The Urban Cooperative Bank Limited (IFSC URBN00000B2)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC URBN00000B2 in your mobile or internet banking app, and the money is credited to the branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to
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 URBN00000B2:
- 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 is still linked to IFSC URBN00000B2.
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 Urban Cooperative Bank Limited's branch, the IFSC URBN00000B2 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.
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 URBN00000B2 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.
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 URBN00000B2 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.
Common mistakes to avoid when using IFSC URBN00000B2
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 Urban Cooperative Bank Limited – , 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:
URBN00000B2. - 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 KARINKALLATHANI,THAZHEKKODE POST, which puts it inside , the broader district, and the state of Kerala. To plan your visit:
- Open Google Maps on your phone and search for “The Urban Cooperative Bank Limited branch” — the verified location pin for IFSC URBN00000B2 should appear at the top of the results.
- Confirm the branch is open by calling 251231 before stepping out, especially around public holidays.
- 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 URBN00000B2 and your account number.
Verifying IFSC URBN00000B2 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 URBN00000B2 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 251231.
- Visiting the bank's official branch locator page.
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 URBN00000B2, however, work 24x7.
Branch address & contact
The Urban Cooperative Bank LimitedBranch
KARINKALLATHANI,THAZHEKKODE POST
, Kerala
Phone: 251231
IFSC: URBN00000B2
Frequently asked questions
Does The Urban Cooperative Bank Limited branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 251231 to confirm.
Where is The Urban Cooperative Bank Limited branch located?
The Urban Cooperative Bank Limited's branch is located at KARINKALLATHANI,THAZHEKKODE POST, , Kerala.
How quickly will an NEFT transfer using URBN00000B2 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.
Is IFSC URBN00000B2 the same for all accounts at branch?
Yes. The IFSC URBN00000B2 is shared by every account held at The Urban Cooperative Bank Limited's branch. Only the account number changes from customer to customer.
How do I add The Urban Cooperative Bank Limited as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC URBN00000B2, and complete OTP verification. Once activated, you can transfer funds at any time.
Can I use IFSC URBN00000B2 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC URBN00000B2 to send funds instantly.
What is the phone number of The Urban Cooperative Bank Limited branch?
You can reach the branch at 251231 during regular banking hours.
Final notes
To recap: URBN00000B2 is the IFSC code of The Urban Cooperative Bank Limited, branch, in , KERALA. 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.
