Karad Urban Co-operative Bank
RATNAGIRI BRANCH
+919112200603
Understanding IFSC Code: The Digital DNA of Karad Urban Co-operative Bank
When performing any digital transaction in India, the Indian Financial System Code
(IFSC) acts as a critical identifier. For the RATNAGIRI
branch of Karad Urban Co-operative Bank, the code KUCB0488079 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 KUCB0488079 Code
An IFSC is an 11-character alphanumeric code. Let's break down the logic behind the code for this specific branch:
Bank Identity
"KUCB" represents Karad Urban Co-operative Bank
Control Character
Always '0' (Reserved for future use)
Branch Locator
Unique code for RATNAGIRI
Payment Systems Supported by KUCB0488079
| 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—415488017—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 Karad Urban Co-operative Bank in RATNAGIRI typically follows the RBI holiday calendar. Digital transfers via KUCB0488079 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 KUCB0488079 is the valid code for RATNAGIRI at RATNAGIRI, 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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