Kolhapur Urban Co-operative Bank
SANE GURUJI BRANCH BRANCH
+912312326422
Understanding IFSC Code: The Digital DNA of Kolhapur Urban Co-operative Bank
When performing any digital transaction in India, the Indian Financial System Code
(IFSC) acts as a critical identifier. For the SANE GURUJI BRANCH
branch of Kolhapur Urban Co-operative Bank, the code KOLH0000013 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 KOLH0000013 Code
An IFSC is an 11-character alphanumeric code. Let's break down the logic behind the code for this specific branch:
Bank Identity
"KOLH" represents Kolhapur Urban Co-operative Bank
Control Character
Always '0' (Reserved for future use)
Branch Locator
Unique code for SANE GURUJI BRANCH
Payment Systems Supported by KOLH0000013
| 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—416398013—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 Kolhapur Urban Co-operative Bank in KOLHAPUR typically follows the RBI holiday calendar. Digital transfers via KOLH0000013 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 KOLH0000013 is the valid code for SANE GURUJI BRANCH at KOLHAPUR, ensure the beneficiary name matches perfectly in your mobile banking app.
Bank Search Indexing & Metadata
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Financial Tools
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Branch Context
- • SANE GURUJI BRANCH Contact
- • Address of Kolhapur Urban Co-operative Bank
- • MICR Code Finder
- • MAHARASHTRA Banking Circle
Platform Links
- • Anand Design DevBox
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- • IFSC Finder v2.0
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