Hooghly Co-operative Credit Bank
Hooghly Co-operative Credit Bank IMPS BRANCH
+913326802399
Understanding IFSC Code: The Digital DNA of Hooghly Co-operative Credit Bank
When performing any digital transaction in India, the Indian Financial System Code
(IFSC) acts as a critical identifier. For the Hooghly Co-operative Credit Bank IMPS
branch of Hooghly Co-operative Credit Bank, the code IBKL0401THC 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 IBKL0401THC 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 Hooghly Co-operative Credit Bank
Control Character
Always '0' (Reserved for future use)
Branch Locator
Unique code for Hooghly Co-operative Credit Bank IMPS
Payment Systems Supported by IBKL0401THC
| 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—700012252—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 Hooghly Co-operative Credit Bank in HUGLI-CHINSURAH typically follows the RBI holiday calendar. Digital transfers via IBKL0401THC 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 IBKL0401THC is the valid code for Hooghly Co-operative Credit Bank IMPS at HUGLI-CHINSURAH, ensure the beneficiary name matches perfectly in your mobile banking app.
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Financial Tools
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Branch Context
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Platform Links
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