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Kangra Central Coop Bank IFSC and MICR Code:

State wise list of Kangra Central Coop Bank IFSC code, MICR code and addresses of all branches in India

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The Kangra Central Co-operative Bank Ltd. (KCCB) IFSC Code:

Kangra Central Co-operative Bank (KCC Bank) offers you easy inter-bank transfer options online that makes banking an easy task. There is no need to opt for any physical mode of money settlement such as cheque or cash as it comes with a lot of risks, troubles and sometimes a long waiting period. At Kangra Central Co-operative Bank (KCCB), customers can effortlessly transfer money nationwide from their account to another account of the same or a different bank. Fund transfers online are not limited to individuals and are sometimes directed to organizations as well.

Inter-bank transactions are electronic transfers that involve movement of funds from one account to another. Maintained by the RBI, NEFT (National Electronic Fund Transfer) and RTGS (Real Time Gross Settlement) are the two mechanisms of inter-bank transfer online.

Reserve Bank of India has assigned all banks an identification code that is required for all electronic fund transfers. All banks that are a part of the NEFT network of the RBI, are allotted IFSC codes. The IFSC codes establish an identification of the sender’s bank branch as well as beneficiary’s bank branch. The 11-character alpha-numeric IFSC code can be broken down into 3 parts. The first part comprising of 4 characters, denoting the name of the bank; the middle part being zero (0) reserved for later use and the third part comprising either of 6 alphabets or numbers representing the branch name of the bank.

KACE0000028 is the IFSC code of the Lohara branch of Kangra Central Co-operative Bank in Fatehpur district of Himachal Pradesh. KACE in this code is Kangra Central Co-operative Bank and the last 6 digits 000028 stands for the Lohara branch of KCC Bank. Different branches of the KCC Bank have unique and different IFSC codes.

How to Find Kangra Central Co-operative Bank (KCCB) IFSC & MICR Codes?

Before you make any electronic fund transfer, you will need to know the correct IFSC code of the beneficiary’s bank branch. When you need to pass on your IFSC code, for an online money transfer into your bank account, you can just look for the IFSC code of your bank’s branch on the cheque book provided.

If the beneficiary has not provided the IFSC code required before the transaction. You can always do your own search and look for the specific bank branch’s IFSC & MICR code online.

There are more than one ways to find the codes online:

  • Reserve Bank of India has all IFSC codes with the branch names of all banks that are a part of the NEFT network, on their website.
  • The official website of most banks have the IFSC & MICR codes of their branches. You can search for the codes by looking up the name of the particular branch you are looking for.
  • Apart from these two websites, there are many trustworthy external sites that provide a lot of information on various banks all over the country, including IFSC codes, branch addresses etc. At BankBazaar’s website, you can go to the ‘Bank IFSC Code’ page and select the name of the bank. The page displays various drop-down menus prompting you to select other details about the bank such as the state and the district in which the bank is located in and the branch’s name. The automatic output displays a neat window with detailed information such as IFSC, MICR codes, address and contact number.

At Kangra Central Co-operative Bank, you can enjoy easy money transfer with its NEFT and RTGS systems, operated under RBI. KCC Bank provides a secure banking system and enables its customers to settle payments easily. If you have an account with KCC Bank, you can send or receive money online.

NEFT at KCC Bank:

With NEFT, you can transfer funds anytime, anywhere through Kangra Central Co-operative Bank. For a NEFT transaction, you need to provide the bank with some prior information about the sender as well as the recipient/beneficiary. The instructions from both the bank accounts are processed on a centralized accounting system. Apart from the sender’s name and account number, you will also have to provide certain beneficiary details- name, bank name, branch name, account number, IFSC code of the bank branch.

NEFT is usually used by individuals or companies that want to make low-value transfers. There is no minimum amount fixed by the RBI but only up to Rs. 10 lakh can be remitted using NEFT. It works on hourly settlement basis daily and is cleared in batches between 8am to 7pm the entire week and 8am to 1pm on Saturdays, Sunday being a holiday.

KCC Bank charge per NEFT transaction are based on RBI standards. Only outward remittances are charged, whereas inward remittance is free. The fee levied is proportional to the value of the transaction.

RTGS at KCC Bank:

Real Time Gross Settlement, as the name suggests, are ‘real-time’ transactions. The processing begins as soon as the instruction arrives at the bank and there is no time lag. Any RTGS transaction is not processed batch wise and hence, it is referred to as ‘gross’ settlement. RTGS is the quickest mode of fund transfer and is preferred for high-value transactions. Conversely to NEFT, RBI has set a minimum amount of Rs.2 lakh for a RTGS transaction to take place. However, there is no upper cap and you can send any amount of money through this mode of transfer.

KCC bank charges its customers for outward remittances through RTGS. The fee depends on the total figure transferred as well as the time at which the RTGS transfer request was made.

Kangra Central Co-operative Bank Ltd. (KCCB) was set up in the year 1920. The KCC Bank has almost 200 branches and considered to be one of the oldest banks in the country. The bank has continued to flourish in the financial sector since times immemorial by making timely advancements with time.


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