Urban Co-operative Bank Budaun
Urban Co-operative Bank Budaun IMPS BRANCH
+918273665165
Understanding IFSC Code: The Digital DNA of Urban Co-operative Bank Budaun
When performing any digital transaction in India, the Indian Financial System Code
(IFSC) acts as a critical identifier. For the Urban Co-operative Bank Budaun IMPS
branch of Urban Co-operative Bank Budaun, the code IBKL01263UC 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 IBKL01263UC 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 Urban Co-operative Bank Budaun
Control Character
Always '0' (Reserved for future use)
Branch Locator
Unique code for Urban Co-operative Bank Budaun IMPS
Payment Systems Supported by IBKL01263UC
| 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—243802202—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 Urban Co-operative Bank Budaun in BADAUN typically follows the RBI holiday calendar. Digital transfers via IBKL01263UC 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 IBKL01263UC is the valid code for Urban Co-operative Bank Budaun IMPS at BADAUN, ensure the beneficiary name matches perfectly in your mobile banking app.
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Branch Context
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Platform Links
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