Kangra Coop Bank IFSC and MICR Code:

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Kangra Co-operative Bank IFSC Code:

The face of banking has changed with the advent of internet banking. Initially only the preserve of a few private banks, almost every bank in the country now offers online services, making it convenient for customers to have access to their funds at all times. With the automatization of banking processes, time and resources are saved, streamlining the services and omitting human error.

One of the key advantages of this online service upgrade is the introduction of online money transfers. Whereas initially one had to either deposit a cheque or issue a demand draft, now sending money from one account to another can be done from the comfort of your home with just a few clicks. The National Electronic Fund Transfer (NEFT) and the Real Time Gross Settlement (RTGS) services started by Reserve Bank of India make online fund transactions a quick, simple and safe process. No longer do you need to fill up lengthy forms or make trips to your bank branch to facilitate a fund transfer anymore. Just enter the beneficiary’s bank details along with the branch’s IFSC code, and the funds will be transferred within a matter of hours.

The IFSC (Indian Financial Systems Code) is a unique code issued to all bank branches that are a part of the NEFT network. NEFT and RTGS transfers can only take place between branches registered on the network. With most branches in the country part of it, the two mediums are fast emerging as the preferred choice when it comes to wireless fund transfers.

IFSC codes are 11 characters long, made up of the name of the bank, the numeral “0” and the branch code. The IFSC code for the Kangra Co-operative Bank branch in Rohini, located in Delhi, New Delhi is KANG0000004. “KANG” represents the bank name, the numeral “0” is left blank for future use and “000004” represents the code for the specific branch.

How to Search for the Kangra Co-operative Bank IFSC and MICR codes?

Looking for the IFSC and MICR codes for a particular bank branch can be done in a variety of ways. For those looking at offline methods, the codes can be found on the first page of passbooks issued by the bank branch. Cheque book leaves also have the code printed on every page.

For those looking at accessing the codes online, the Kangra Co-operative Bank website has a list of its branches that are part of the NEFT network. The codes can also be found on websites like BankBazaar. On the homepage, simply scroll to the bottom and select the “Bank IFSC Code” tab. On the page that opens, enter the name of the bank and select the state, district and the branch from drop down menus. The IFSC and MICR codes would be displayed on the screen, with other information such as the branch address, phone number and branch timings.

The NEFT and RTGS services offered by the Kangra Cooperative Bank are the quickest and safest way to transfer funds wirelessly. Given below are the ways to use these services to make a convenient and hassle-free money transfer.

NEFT (National Electronic Fund Transfer):

The NEFT services are available from Monday to Saturday during branch banking hours. The bank settles NEFT services in hourly batches commencing from 8:00 am onwards. There are 11 such batches, with transactions settled in groups. The service is unavailable on second and fourth Saturdays and on bank holidays. For requests received on holidays, the bank processes them on the following business day.

There is no upper or lower limit on the amount that can be transferred using this service, making it an ideal choice for customers looking for a secure fund transfer avenue.

The bank charges a fee for providing this service, which is as follows:

  • For transfer amounts up to Rs. 10, 000, the bank charges Rs. 2. 50 for each transaction.

  • For transfer amounts between Rs. 10, 001 and Rs. 1, 00, 000, the bank charges Rs. 5 for each transaction.

  • For transfer amounts between Rs. 1, 00, 001 and Rs. 2, 00, 000, the bank charges Rs. 15 for each transaction.

  • For transfer amounts above Rs. 2, 00, 001, the bank charges Rs. 25 for each transaction.

RTGS (Real Time Gross Settlement):

If you’re looking for the fastest mode of money transfer in the country then the Real Time Gross Settlement service is the choice for you. The average time taken for a money transfer using this service is 2 hours from the time the transfer request is made. The transactions are settled on a real time and gross basis, meaning that each transaction is settled individually as soon as the bank clears the request. This makes such transfers final.

The RTGS services are available for Kangra Cooperative Bank customers from Monday through Saturday during banking hours as specified by RBI. The service, however, is unavailable on second and fourth Saturdays and on bank holidays. If the bank receives transfer requests on these days, or after the cut off time for these transactions, it will settle them on the succeeding working day.

The RTGS service charges are given below:

  • For transfer amounts between Rs. 2, 00, 000 and Rs. 5, 00, 000 the bank charges Rs. 25 per transaction.

  • For transfer amounts above Rs. 5, 00, 000 the bank charges Rs. 50 per transaction.

The Kangra Co-operative Bank is an urban Co-operative Bank established in 1960 with the objective of providing economic assistance to individuals from Himachal Pradesh residing in Delhi. The bank began as just a credit society and now has 9 branches in Delhi, providing a range of services such as insurance, locker facility, fund transfer and demand drafts.

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