Indrayani Co-operative Bank
INDRAYANI CO OP BANK LTD BRANCH
+912027415839
Understanding IFSC Code: The Digital DNA of Indrayani Co-operative Bank
When performing any digital transaction in India, the Indian Financial System Code
(IFSC) acts as a critical identifier. For the INDRAYANI CO OP BANK LTD
branch of Indrayani Co-operative Bank, the code ICIC00ICOBL 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 ICIC00ICOBL Code
An IFSC is an 11-character alphanumeric code. Let's break down the logic behind the code for this specific branch:
Bank Identity
"ICIC" represents Indrayani Co-operative Bank
Control Character
Always '0' (Reserved for future use)
Branch Locator
Unique code for INDRAYANI CO OP BANK LTD
Payment Systems Supported by ICIC00ICOBL
| 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——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 Indrayani Co-operative Bank in PUNE typically follows the RBI holiday calendar. Digital transfers via ICIC00ICOBL 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 ICIC00ICOBL is the valid code for INDRAYANI CO OP BANK LTD at PUNE, 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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