Kasaragod Co Operative Town Bank No 970 Kasaragod Co-operative Town Bank No 970 Imps IFSC Code
Kasaragod Co Operative Town Bank No 970
IFSC · Used for NEFT, IMPS & RTGS
MICR · Used for Cheque Clearance
Branch
Kasaragod Co-operative Town Bank No 970 Imps
District
Kasaragod
State
Maharashtra
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Frequently Asked Questions
About Kasaragod Co Operative Town Bank No 970 Kasaragod Co-operative Town Bank No 970 Imps (kasaragod - 0kct), Kasaragod
The IFSC code IBKL0450KCT (lowercase: ibkl0450kct) belongs to Kasaragod Co Operative Town Bank No 970, specifically the Kasaragod Co-operative Town Bank No 970 Imps (kasaragod - 0kct) branch located in Kasaragod, Maharashtra.
The 5th character in the IFSC code IBKL0450KCT is a zero (0), not the letter 'O'. The correct format is IBKL0450KCT (lowercase: ibkl0450kct), and not IBKLO450KCT. According to RBI guidelines, the fifth character of all IFSC codes is reserved as a zero.
The IFSC code of Kasaragod Co Operative Town Bank No 970 Kasaragod Co-operative Town Bank No 970 Imps (kasaragod - 0kct) in Kasaragod, Maharashtra is IBKL0450KCT. This 11-character code is required for all NEFT, RTGS and IMPS electronic fund transfers to this branch.
Kasaragod Co Operative Town Bank No 970 Kasaragod Co-operative Town Bank No 970 Imps (kasaragod - 0kct) is located at No 970,kasaragod,head Office,kasaragod 671121,kerala, Kasaragod, Maharashtra. You can click the "View on Google Maps" button on this page to get directions.
The MICR (Magnetic Ink Character Recognition) code of Kasaragod Co Operative Town Bank No 970 Kasaragod Co-operative Town Bank No 970 Imps (kasaragod - 0kct) is 671812001. MICR codes are used for cheque processing and are printed at the bottom of cheque leaves in magnetic ink.
Yes. IFSC code IBKL0450KCT is valid for all three RBI-regulated transfer modes: NEFT (settled in 30-minute batches, no minimum), RTGS (real-time, minimum ₹2 lakh), and IMPS (instant, up to ₹5 lakh). All modes are available 24×7×365 as per RBI guidelines issued in December 2019.
You can verify IFSC code IBKL0450KCT by checking: (1) The top-left corner of any Kasaragod Co Operative Town Bank No 970 Kasaragod Co-operative Town Bank No 970 Imps (kasaragod - 0kct) cheque leaf, (2) The first page of your Kasaragod Co Operative Town Bank No 970 passbook, (3) Your net banking or mobile banking app under "Branch Details", or (4) The RBI's official IFSC lookup at rbi.org.in.
Understanding IFSC Code: IBKL0450KCT
Decoded structure — 4 + 1 + 6 characters
Visual Breakdown
Swipe to see all
IBKL0450KCT
What Each Part Means
- Bank Code — IBKL
- The first 4 characters uniquely identify Kasaragod Co Operative Town Bank No 970 at the national level. Every branch of Kasaragod Co Operative Town Bank No 970 across all states shares this same prefix. It is assigned by the RBI and never changes.
- Reserved — 0
- The 5th character is always 0 (zero), reserved by the RBI for future use. It acts as a separator between the bank identifier and the branch-specific code and is mandatory in all electronic fund transfer systems.
- Branch Code — 450KCT
- The final 6 characters 450KCT uniquely identify this specific branch within the Kasaragod Co Operative Town Bank No 970 network. No two branches share the same branch code. Use this code to verify you have the correct branch before initiating any NEFT, RTGS, or IMPS transfer.
| Segment | Chars | Value | Purpose |
|---|---|---|---|
| Bank Code | 1–4 | IBKL | Identifies Kasaragod Co Operative Town Bank No 970 |
| Reserved | 5 | 0 | RBI reserved (always 0) |
| Branch Code | 6–11 | 450KCT | Unique to this branch |
Where to Find IFSC & MICR on Your Cheque
Interactive cheque leaf mockup — highlighted fields show live values from this branch
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Kasaragod Co Operative Town Bank No 970
Kasaragod Co-operative Town Bank No 970 Imps (kasaragod - 0kct), Kasaragod, Maharashtra
Cheque No.
00000450
A/c No.
Authorised Signatory
IFSC vs MICR — Functional Comparison
Two different codes, two different banking systems
| Feature | IFSC Code | MICR Code |
|---|---|---|
| Full Form | Indian Financial System Code | Magnetic Ink Character Recognition |
| Length & Format | 11 characters — alphanumeric | 9 digits — numeric only |
| This Branch | IBKL0450KCT | 671812001 |
| Primary Use | Electronic fund transfers: NEFT, RTGS, IMPS, UPI | Physical cheque clearing at clearing houses |
| Medium | Digital / online — no physical document needed | Printed in magnetic ink on cheque leaf bottom band |
| Processing Speed | Real-time (IMPS/UPI) or 30-min batches (NEFT) | T+1 or T+2 clearing cycle via RBI clearing houses |
| Where to Find It | Cheque leaf (top area), passbook first page, net banking | Bottom band of cheque leaf (the printed magnetic strip) |
| Assigned By | RBI — permanent unless branch is relocated/merged | RBI — encodes city (3) + bank (3) + branch (3) digits |
| Required For | Adding a payee / beneficiary for online transfer | Cheque book issuance and clearing house processing |
Source: Reserve Bank of India (RBI) Payment Systems Guidelines. IFSC mandatory for NEFT/RTGS/IMPS since 2010; MICR used by CTS-2010 standard cheque clearing.