Kerala Mercantile Co-operative Bank
Kerala Mercantile Co-operative Bank IMPS BRANCH
+914952766343
Understanding IFSC Code: The Digital DNA of Kerala Mercantile Co-operative Bank
When performing any digital transaction in India, the Indian Financial System Code
(IFSC) acts as a critical identifier. For the Kerala Mercantile Co-operative Bank IMPS
branch of Kerala Mercantile Co-operative Bank, the code IBKL0114KMB ensures
that your funds are routed through the Reserve Bank of India's (RBI) structured network without manual
errors. In an era of instant payments, having the correct IFSC is as important as the account number
itself.
Anatomy of the IBKL0114KMB Code
An IFSC is an 11-character alphanumeric code. Let's break down the logic behind the code for this specific branch:
Bank Identity
"IBKL" represents Kerala Mercantile Co-operative Bank
Control Character
Always '0' (Reserved for future use)
Branch Locator
Unique code for Kerala Mercantile Co-operative Bank IMPS
Payment Systems Supported by IBKL0114KMB
| System | Transfer Limit | Processing Time |
|---|---|---|
| NEFT | No Minimum (Up to ₹50 Lakhs+) | Half-hourly batches (24x7) |
| RTGS | Minimum ₹2 Lakhs | Real-time settlement |
| IMPS | Up to ₹5 Lakhs | Instant (Mobile/P2P) |
Why do you need the MICR Code?
While IFSC is for digital transfers, the Magnetic Ink Character Recognition
(MICR) code—673830002—is primarily
used for the processing and clearance of physical cheques. This 9-digit code helps in
identifying the bank and branch during the Cheque Truncation System (CTS) cycle, making clearing
faster and error-free.
Bank Holidays & Availability
The Kerala Mercantile Co-operative Bank in KOZHIKODE typically follows the RBI holiday calendar. Digital transfers via IBKL0114KMB for NEFT/RTGS are now available 365 days a year, regardless of physical branch timings or Sunday closures.
Security Warning & Verification
Always verify the branch details before making a large payment. While IBKL0114KMB is the valid code for Kerala Mercantile Co-operative Bank IMPS at KOZHIKODE, ensure the beneficiary name matches perfectly in your mobile banking app.
Bank Search Indexing & Metadata
Related Searches
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Financial Tools
- • GST Calculator Online
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- • Currency Converter
Branch Context
- • Kerala Mercantile Co-operative Bank IMPS Contact
- • Address of Kerala Mercantile Co-operative Bank
- • MICR Code Finder
- • MAHARASHTRA Banking Circle
Platform Links
- • Anand Design DevBox
- • SEO Performance Hub
- • Webmaster Tools
- • IFSC Finder v2.0
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