Shree Panchganga Nagari Sahakari Bank Shree Panchganga Nagari Sahakari Bank Imps IFSC Code
Shree Panchganga Nagari Sahakari Bank
IFSC · Used for NEFT, IMPS & RTGS
MICR · Used for Cheque Clearance
Branch
Shree Panchganga Nagari Sahakari Bank Imps
Address
Shri Panchganga Nagari Sahkari Bank Ltd Tps 3 Final Plot No 16,pratibha Nagar, Kolhapur,pin Code 416008
View on Google MapsDistrict
Kolhapur
State
Maharashtra
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Frequently Asked Questions
About Shree Panchganga Nagari Sahakari Bank Shree Panchganga Nagari Sahakari Bank Imps (16 Pratibha Nagar Kolhapur P - 4pns), Kolhapur
The IFSC code IBKL0464PNS (lowercase: ibkl0464pns) belongs to Shree Panchganga Nagari Sahakari Bank, specifically the Shree Panchganga Nagari Sahakari Bank Imps (16 Pratibha Nagar Kolhapur P - 4pns) branch located in Kolhapur, Maharashtra.
The 5th character in the IFSC code IBKL0464PNS is a zero (0), not the letter 'O'. The correct format is IBKL0464PNS (lowercase: ibkl0464pns), and not IBKLO464PNS. According to RBI guidelines, the fifth character of all IFSC codes is reserved as a zero.
The IFSC code of Shree Panchganga Nagari Sahakari Bank Shree Panchganga Nagari Sahakari Bank Imps (16 Pratibha Nagar Kolhapur P - 4pns) in Kolhapur, Maharashtra is IBKL0464PNS. This 11-character code is required for all NEFT, RTGS and IMPS electronic fund transfers to this branch.
Shree Panchganga Nagari Sahakari Bank Shree Panchganga Nagari Sahakari Bank Imps (16 Pratibha Nagar Kolhapur P - 4pns) is located at Shri Panchganga Nagari Sahkari Bank Ltd Tps 3 Final Plot No 16,pratibha Nagar, Kolhapur,pin Code 416008, Kolhapur, Maharashtra. You can click the "View on Google Maps" button on this page to get directions.
The MICR (Magnetic Ink Character Recognition) code of Shree Panchganga Nagari Sahakari Bank Shree Panchganga Nagari Sahakari Bank Imps (16 Pratibha Nagar Kolhapur P - 4pns) is 416402000. MICR codes are used for cheque processing and are printed at the bottom of cheque leaves in magnetic ink.
Yes. IFSC code IBKL0464PNS 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 IBKL0464PNS by checking: (1) The top-left corner of any Shree Panchganga Nagari Sahakari Bank Shree Panchganga Nagari Sahakari Bank Imps (16 Pratibha Nagar Kolhapur P - 4pns) cheque leaf, (2) The first page of your Shree Panchganga Nagari Sahakari Bank 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: IBKL0464PNS
Decoded structure — 4 + 1 + 6 characters
Visual Breakdown
Swipe to see all
IBKL0464PNS
What Each Part Means
- Bank Code — IBKL
- The first 4 characters uniquely identify Shree Panchganga Nagari Sahakari Bank at the national level. Every branch of Shree Panchganga Nagari Sahakari Bank 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 — 464PNS
- The final 6 characters 464PNS uniquely identify this specific branch within the Shree Panchganga Nagari Sahakari Bank 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 Shree Panchganga Nagari Sahakari Bank |
| Reserved | 5 | 0 | RBI reserved (always 0) |
| Branch Code | 6–11 | 464PNS | Unique to this branch |
Where to Find IFSC & MICR on Your Cheque
Interactive cheque leaf mockup — highlighted fields show live values from this branch
Swipe left to view full cheque
Shree Panchganga Nagari Sahakari Bank
Shree Panchganga Nagari Sahakari Bank Imps (16 Pratibha Nagar Kolhapur P - 4pns), Kolhapur, Maharashtra
Cheque No.
00000464
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 | IBKL0464PNS | 416402000 |
| 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.