• Kapol Bank IFSC and MICR Code:

    State wise list of Kapol Bank IFSC code, MICR code and addresses of all branches in India

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    Kapol Bank IFSC Code:

    Sending money electronically within India has become easier with the advent of NEFT and RTGS services. The National Electronic Fund Transfer (NEFT) and Real Time Gross Settlement (RTGS) services ensure that online transfer of funds takes place through a safe medium, while also saving time. You can transfer funds using these services from the comfort of your home, doing away with the need to endure long queues at a bank branch. When making a transaction request, you would have to provide the IFSC code of the bank branch you are transferring funds to. This IFSC or Indian Financial Services Code is an initiative of the Reserve Bank of India (RBI) in order to regulate the online fund transfers taking place in the country. It serves another purpose, which is determining the source bank as well as the destination bank in a particular transaction.

    An IFSC code is a set of 11 alphanumeric characters that is used to denote a particular bank branch that is part of the RBI’s NEFT network. The code is made up of 4 letters that denote the name of the bank, a “0” character that is left blank for later use, and six numbers that denote the bank branch number. So, a Kapol Bank branch in Kalbadevi, Mumbai city, Maharashtra is KCBL0000006. In the code, “KCBL” indicates the name of the bank (Kapol Bank), the fifth character is “0”, and the last six characters “000006” indicates the bank branch number.

    How Do I Search for Kapol Bank IFSC and MICR Codes?

    Looking for Kapol Bank IFSC codes is a very simple process. The bank prints the IFSC code of the bank branch on the leaves of the cheque book issued at the branch. The codes can be found on the Kapol Bank website. In addition, you could also find the codes on sites like BankBazaar. Here, you can find the IFSC codes of banks all over India. Simply go to the homepage and select the “Bank IFSC” tab at the very bottom of the page. You will be taken to a page where you will be asked to input the name of the bank, along with other details like the state, district, city and the branch. On entering all these details, the IFSC and MICR codes will be generated.

    Kapol Bank provides NEFT and RTGS services that make money transfer online a quick and simple process. You can transfer money to any bank branch that is part of the NEFT network in India, details of which are provided below.

    NEFT (National Electronic Fund Transfer):

    With the Kapol Bank NEFT service, you can make worry-free money transfers for any amount anywhere in India. The NEFT services are available to Kapol Bank customers every Monday to Saturday as per RBI guidelines. However this service is not available on the second and fourth Saturdays of every month. NEFT requests are processed in hourly batches daily. In the event of transfer requests made after cut off times or on holidays, the transfers will be processed on the next business day.

    Kapol Bank charges its customers a fixed rate for providing the NEFT service, details as below:

    • For amounts up to Rs. 10, 000/-, the bank charges Rs. 2.50/- per transaction.
    • For amounts between Rs. 10, 001/- and Rs. 1, 00, 000/-, the bank charges Rs. 5/- per transaction.
    • For amounts between Rs. 1, 00, 001/- and Rs. 2, 00, 000/-, the bank charges Rs. 15/- per transaction.
    • For amounts of Rs. 2, 00, 001/- and above, the bank charges Rs. 25/- per transaction.

    RTGS (Real Time Gross Settlement):

    Real Time Gross Settlement (RTGS) is a service through which wireless transfer of funds can be done from one account to another within the country. These transfers are risk free since they are made using a secure channel. RTGS is the fastest way to send funds in India. There is no upper limit on the funds sent at a given time, but there is a minimum amount of Rs. 2 lakh per transaction. Once a request is made, the funds are transferred in “real time”, which means the transfer takes place once the request is processed. The transfers are also settled on a “gross basis”, which means each transaction is settled individually and is not bundled with another transaction. Due to this, once requests are made, they are final and cannot be taken back.

    Kapol Bank provides its customers with the RTGS facility from Monday to Saturday as per RBI guidelines. The service is not available on the second and fourth Saturdays of every month. If requests are received during non-banking hours or after RTGS service hours, those transactions are processed on the following banking day.

    Kapol Bank levies a fee for the use of its RTGS service, which are mentioned below:

    • For amounts between Rs. 2 lakh and Rs. 5 lakh, the bank charges Rs. 25/- for each transaction.
    • For amounts above Rs. 5 lakhs, the bank charges Rs. 50/- for each transaction.

    The charges given above are exclusive of service tax, which is 12.36%.

    The Kapol Co-Operative Bank is a Scheduled Bank that was established in 1939. Currently operating in Gujarat and Maharashtra states, the bank has 15 branches and 14 ATM’s through which it offers its customers services such as Loans, Demat, insurance and many others. The bank continues to uphold the values of its founder, making financial services accessible to the economically weaker sections of society.


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