Waghodia Urban Co Operative Bank Waghodia Urban Co-operative Bank Imps IFSC Code
Waghodia Urban Co Operative Bank
IFSC · Used for NEFT, IMPS & RTGS
MICR · Used for Cheque Clearance
Branch
Waghodia Urban Co-operative Bank Imps
District
Baroda
State
Maharashtra
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Frequently Asked Questions
About Waghodia Urban Co Operative Bank Waghodia Urban Co-operative Bank Imps (old Bus Stand - 3twu), Baroda
The IFSC code IBKL0553TWU (lowercase: ibkl0553twu) belongs to Waghodia Urban Co Operative Bank, specifically the Waghodia Urban Co-operative Bank Imps (old Bus Stand - 3twu) branch located in Baroda, Maharashtra.
The 5th character in the IFSC code IBKL0553TWU is a zero (0), not the letter 'O'. The correct format is IBKL0553TWU (lowercase: ibkl0553twu), and not IBKLO553TWU. According to RBI guidelines, the fifth character of all IFSC codes is reserved as a zero.
The IFSC code of Waghodia Urban Co Operative Bank Waghodia Urban Co-operative Bank Imps (old Bus Stand - 3twu) in Baroda, Maharashtra is IBKL0553TWU. This 11-character code is required for all NEFT, RTGS and IMPS electronic fund transfers to this branch.
Waghodia Urban Co Operative Bank Waghodia Urban Co-operative Bank Imps (old Bus Stand - 3twu) is located at Old Bus Stand, Waghodiya , Baroda 391760, Baroda, Maharashtra. You can click the "View on Google Maps" button on this page to get directions.
The MICR (Magnetic Ink Character Recognition) code of Waghodia Urban Co Operative Bank Waghodia Urban Co-operative Bank Imps (old Bus Stand - 3twu) is 390259003. MICR codes are used for cheque processing and are printed at the bottom of cheque leaves in magnetic ink.
Yes. IFSC code IBKL0553TWU 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 IBKL0553TWU by checking: (1) The top-left corner of any Waghodia Urban Co Operative Bank Waghodia Urban Co-operative Bank Imps (old Bus Stand - 3twu) cheque leaf, (2) The first page of your Waghodia Urban Co Operative 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: IBKL0553TWU
Decoded structure — 4 + 1 + 6 characters
Visual Breakdown
Swipe to see all
IBKL0553TWU
What Each Part Means
- Bank Code — IBKL
- The first 4 characters uniquely identify Waghodia Urban Co Operative Bank at the national level. Every branch of Waghodia Urban Co Operative 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 — 553TWU
- The final 6 characters 553TWU uniquely identify this specific branch within the Waghodia Urban Co Operative 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 Waghodia Urban Co Operative Bank |
| Reserved | 5 | 0 | RBI reserved (always 0) |
| Branch Code | 6–11 | 553TWU | 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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Waghodia Urban Co Operative Bank
Waghodia Urban Co-operative Bank Imps (old Bus Stand - 3twu), Baroda, Maharashtra
Cheque No.
00000553
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 | IBKL0553TWU | 390259003 |
| 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.