Below are the complete branch details for The Urban Cooperative Bank Limited, branch, located in , KERALA. The IFSC assigned by the Reserve Bank of India to this branch is URBN00000B3. 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 URBN00000B3 for The Urban Cooperative Bank Limited – — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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 URBN00000B3 breaks down as follows: URBN identifies the bank, 0 is the reserved character, and 0000B3 identifies this particular branch.
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 URBN00000B3 for all electronic settlement.
Branch details at a glance
| Bank Name | The Urban Cooperative Bank Limited |
|---|---|
| IFSC Code | URBN00000B3 |
| MICR Code | Refer to cheque leaf |
| Branch Address | UPHILL,MALAPPURAM POST |
| State | Kerala |
| Phone | 2737138 |
About this branch
The branch is located at UPHILL,MALAPPURAM POST. 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 Urban Cooperative Bank Limited. The IFSC URBN00000B3 is used to identify this branch on the RBI payments network.
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 URBN00000B3.
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 URBN00000B3, 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 URBN00000B3 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 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 URBN00000B3
How to transfer money using IFSC URBN00000B3
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 URBN00000B3 across all three.
How to use IFSC URBN00000B3 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 URBN00000B3.
- 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 URBN00000B3
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 URBN00000B3 while registering the beneficiary. RTGS is also available 24x7.
IMPS to The Urban Cooperative Bank Limited (IFSC URBN00000B3)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC URBN00000B3 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 URBN00000B3:
- 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 URBN00000B3.
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.
UPI payments and IFSC URBN00000B3
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 URBN00000B3. 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 URBN00000B3 and the beneficiary's account number to complete the transfer.
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 URBN00000B3 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 & cheque-truncation details
Cheques drawn on the branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC URBN00000B3 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
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 URBN00000B3 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.
How to reach the branch
The branch is located at UPHILL,MALAPPURAM 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 URBN00000B3 should appear at the top of the results.
- Confirm the branch is open by calling 2737138 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 URBN00000B3 and your account number.
Verifying IFSC URBN00000B3 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 URBN00000B3 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 2737138.
- 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 URBN00000B3 continue to work without interruption.
Branch address & contact
The Urban Cooperative Bank LimitedBranch
UPHILL,MALAPPURAM POST
, Kerala
Phone: 2737138
IFSC: URBN00000B3
Frequently asked questions
What is the phone number of The Urban Cooperative Bank Limited branch?
You can reach the branch at 2737138 during regular banking hours.
How quickly will an NEFT transfer using URBN00000B3 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to The Urban Cooperative Bank Limited – reflect within 30 minutes.
Is IFSC URBN00000B3 valid for NEFT and RTGS?
Yes. IFSC URBN00000B3 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
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 URBN00000B3, and complete OTP verification. Once activated, you can transfer funds at any time.
Where is The Urban Cooperative Bank Limited branch located?
The Urban Cooperative Bank Limited's branch is located at UPHILL,MALAPPURAM POST, , Kerala.
Does The Urban Cooperative Bank Limited branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 2737138 to confirm.
Can I use IFSC URBN00000B3 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC URBN00000B3 to send funds instantly.
Summary
The IFSC code URBN00000B3 belongs to The Urban Cooperative Bank Limited's branch, located at UPHILL,MALAPPURAM 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.
