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 URBN00000B5. 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 URBN00000B5 for The Urban Cooperative Bank Limited – — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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 URBN00000B5. The first four letters URBN are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 0000B5 map to this branch in , KERALA.
Bank profile
The Urban Cooperative Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The branch — IFSC URBN00000B5 — extends the bank's services to customers in and around , Kerala.
Branch details at a glance
| Bank Name | The Urban Cooperative Bank Limited |
|---|---|
| IFSC Code | URBN00000B5 |
| MICR Code | Refer to cheque leaf |
| Branch Address | CHATTIPARAMBA POST |
| State | Kerala |
| Phone | 2706008 |
About this branch
The branch is located at CHATTIPARAMBA 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 URBN00000B5 is used to identify this branch on the RBI payments network.
Why every The Urban Cooperative 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 of The Urban Cooperative Bank Limited — its own 11-character IFSC. The code URBN00000B5 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 URBN00000B5 the same way you would treat your account number — verify it once and save it carefully for future use.
Products and account variants supported
Every account opened at the branch is mapped to IFSC URBN00000B5 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 URBN00000B5.
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 URBN00000B5
How to transfer money using IFSC URBN00000B5
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 URBN00000B5 across all three.
How to use IFSC URBN00000B5 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 URBN00000B5.
- 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 URBN00000B5
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 URBN00000B5 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 URBN00000B5 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
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 URBN00000B5:
- 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 URBN00000B5.
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 URBN00000B5
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 URBN00000B5. 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 URBN00000B5 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 URBN00000B5 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 URBN00000B5 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 URBN00000B5 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 CHATTIPARAMBA POST. If you are travelling from outside , search for the branch on a maps application using the bank name and locality, or call 2706008 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 URBN00000B5 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC URBN00000B5 for The Urban Cooperative Bank Limited – , 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 branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC URBN00000B5, however, work 24x7.
Branch address & contact
The Urban Cooperative Bank LimitedBranch
CHATTIPARAMBA POST
, Kerala
Phone: 2706008
IFSC: URBN00000B5
Frequently asked questions
Is IFSC URBN00000B5 the same for all accounts at branch?
Yes. The IFSC URBN00000B5 is shared by every account held at The Urban Cooperative Bank Limited's branch. Only the account number changes from customer to customer.
How quickly will an NEFT transfer using URBN00000B5 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 URBN00000B5 valid for NEFT and RTGS?
Yes. IFSC URBN00000B5 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is The Urban Cooperative Bank Limited branch located?
The Urban Cooperative Bank Limited's branch is located at CHATTIPARAMBA 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 2706008 to confirm.
Summary
The IFSC code URBN00000B5 belongs to The Urban Cooperative Bank Limited's branch, located at CHATTIPARAMBA 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.
