This page lists the IFSC code, branch address, contact number and fund-transfer information for The Urban Cooperative Bank Limited, branch in . The 11-digit IFSC URBN0000B22 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with The Urban Cooperative Bank Limited at the location, this is the only IFSC you need.
We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.
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 URBN0000B22. The first four letters URBN are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000B22 map to this branch in , KERALA.
Branch details at a glance
| Bank Name | The Urban Cooperative Bank Limited |
|---|---|
| IFSC Code | URBN0000B22 |
| MICR Code | Refer to cheque leaf |
| Branch Address | EDAPATTA POST |
| State | Kerala |
| Phone | 279333 |
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 URBN0000B22 — extends the bank's services to customers in and around , Kerala.
About this branch
The branch is located at EDAPATTA 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 URBN0000B22 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 URBN0000B22.
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 URBN0000B22, money simply cannot be routed to the branch electronically.
How to transfer money using IFSC URBN0000B22
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 URBN0000B22 across all three.
How to use IFSC URBN0000B22 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 URBN0000B22.
- 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.
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 URBN0000B22 while initiating the transfer and the credit will appear within minutes.
Send money instantly through IMPS
For a real-time, anytime transfer to The Urban Cooperative Bank Limited – , use IMPS. With IFSC URBN0000B22 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 URBN0000B22 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 – URBN0000B22 | Yes – URBN0000B22 | Yes – URBN0000B22 |
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 URBN0000B22
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 URBN0000B22. 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 URBN0000B22 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 URBN0000B22 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 URBN0000B22.
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 URBN0000B22
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 URBN0000B22 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
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 URBN0000B22 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.
Common mistakes to avoid when using IFSC URBN0000B22
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:
URBN0000B22. - 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.
Reaching the branch
The branch sits at EDAPATTA POST. If you are travelling from outside , search for the branch on a maps application using the bank name and locality, or call 279333 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 URBN0000B22 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC URBN0000B22 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 URBN0000B22, however, work 24x7.
Branch address & contact
The Urban Cooperative Bank LimitedBranch
EDAPATTA POST
, Kerala
Phone: 279333
IFSC: URBN0000B22
Frequently asked questions
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 URBN0000B22, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC URBN0000B22 the same for all accounts at branch?
Yes. The IFSC URBN0000B22 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 URBN0000B22 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 phone number of The Urban Cooperative Bank Limited branch?
You can reach the branch at 279333 during regular banking hours.
Does The Urban Cooperative Bank Limited branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 279333 to confirm.
Where is The Urban Cooperative Bank Limited branch located?
The Urban Cooperative Bank Limited's branch is located at EDAPATTA POST, , Kerala.
Summary
The IFSC code URBN0000B22 belongs to The Urban Cooperative Bank Limited's branch, located at EDAPATTA 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.
