Khardah Co-operative Bank
Khardah Co-operative Bank IMPS BRANCH
+913325637506
Understanding IFSC Code: The Digital DNA of Khardah Co-operative Bank
When performing any digital transaction in India, the Indian Financial System Code
(IFSC) acts as a critical identifier. For the Khardah Co-operative Bank IMPS
branch of Khardah Co-operative Bank, the code ICIC00KDCBL 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 ICIC00KDCBL 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 Khardah Co-operative Bank
Control Character
Always '0' (Reserved for future use)
Branch Locator
Unique code for Khardah Co-operative Bank IMPS
Payment Systems Supported by ICIC00KDCBL
| 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—700876002—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 Khardah Co-operative Bank in KHARDAH typically follows the RBI holiday calendar. Digital transfers via ICIC00KDCBL 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 ICIC00KDCBL is the valid code for Khardah Co-operative Bank IMPS at KHARDAH, 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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