IFSC Code IBKL0000864 - Idbi Bank Rac Kozhikode
RETAIL ASSET CENTRE FIRST FLOOR CITY PLAZA YMCA CROSS ROAD KOZHIKODE 673001
Quick Info
IFSC: IBKL0000864
Pincode: 673001
District: Kozhikode
Status: Active
About Idbi Bank Rac Kozhikode
IFSC Code IBKL0000864 belongs to Idbi Bank Rac Kozhikode branch located in Calicut, Kozhikode, Kerala. This branch serves customers in Calicut, Kozhikode, Kerala and surrounding areas.
Understanding IFSC Code IBKL0000864
The IFSC (Indian Financial System Code) IBKL0000864 is an 11-character alphanumeric code assigned by the Reserve Bank of India (RBI) to uniquely identify this specific bank branch. The code structure follows a specific format:
- First 4 characters (IBKL): Bank code identifying Idbi Bank
- 5th character (0): Reserved for future use (always 0)
- Last 6 characters (000864): Unique branch identifier for Rac Kozhikode
Electronic Fund Transfer Services
IFSC Code IBKL0000864 is essential for all electronic fund transfers in India. This code ensures that money transfers are routed to the correct bank branch. The following payment systems use IFSC codes:
NEFT (National Electronic Funds Transfer)
Batch processing system for fund transfers. Available Yes at this branch.
Processing: Multiple batches daily, typically settles within 2 hours during banking hours.
RTGS (Real Time Gross Settlement)
Real-time fund transfer for high-value transactions (minimum ₹2 lakh). Available Yes at this branch.
Processing: Real-time settlement, typically within minutes during RTGS hours.
IMPS (Immediate Payment Service)
24/7 instant fund transfer service via mobile or internet banking. Available Yes at this branch.
Processing: Instant transfer, available 24/7 including holidays.
UPI (Unified Payments Interface)
Instant mobile payment system using UPI ID or QR code. Available Yes at this branch.
Processing: Instant transfer, available 24/7, no IFSC code needed for UPI transactions.
Branch Location and Accessibility
The Idbi Bank Rac Kozhikode branch is located at RETAIL ASSET CENTRE FIRST FLOOR CITY PLAZA YMCA CROSS ROAD KOZHIKODE 673001 (Pincode: 673001) in Calicut, Kozhikode, Kerala. This location serves customers in Calicut, Kozhikode, Kerala and nearby areas. When initiating any electronic fund transfer to an account held at this branch, you must use IFSC Code IBKL0000864 to ensure the transaction is routed correctly.
How to Use IFSC Code IBKL0000864
When making online fund transfers to an account at this branch, you will need:
- IFSC Code: IBKL0000864 (for NEFT, RTGS, IMPS)
- Account Number: The recipient's account number
- Account Holder Name: As registered with the bank
Finding Other Idbi Bank Branches
If you're looking for other Idbi Bank branches in Calicut, Kozhikode, Kerala or nearby areas, use our Idbi Bank branch finder. You can search by city, district, or state to find all Idbi Bank branches with their respective IFSC codes.
Branch Details
| IFSC Code: | IBKL0000864 |
| Bank Name: | Idbi Bank |
| Branch Name: | Rac Kozhikode |
| Address: | RETAIL ASSET CENTRE FIRST FLOOR CITY PLAZA YMCA CROSS ROAD KOZHIKODE 673001 |
| City: | Calicut |
| District: | Kozhikode |
| State: | Kerala |
| Pincode: | 673001 |
Payment Services Available
Idbi Bank Rac Kozhikode Branch IFSC Code IBKL0000864 — Complete Banking Guide for Calicut, Kerala
IFSC code IBKL0000864 belongs to the Rac Kozhikode branch of Idbi Bank in Calicut, Kozhikode district, Kerala. This 11-character code, assigned by the Reserve Bank of India, is mandatory for all digital fund transfers — NEFT, RTGS, IMPS, and UPI. Every payment initiated to an account at this branch must include IFSC IBKL0000864 to ensure accurate routing through India's centralised payment infrastructure. Providing an incorrect IFSC may delay or fail the transaction, so always verify the code before confirming any transfer.
About Idbi Bank, Rac Kozhikode Branch
The Rac Kozhikode branch of Idbi Bank in Calicut, Kerala serves retail and corporate customers in Kozhikode district with a full range of banking products. Services typically include savings and current accounts, fixed and recurring deposits, personal and home loans, vehicle finance, trade finance, locker facilities, and wealth management. The branch also supports digital banking — internet banking, mobile banking, UPI, and contactless debit/credit card issuance. Its IFSC IBKL0000864 is the key identifier for all fund transfers routed to accounts at this location through RBI's payment systems.
Payment Methods Using IFSC IBKL0000864
Four primary digital payment rails use IFSC IBKL0000864 for transfers to Idbi Bank, Rac Kozhikode: NEFT — batch-based, 48 half-hourly settlements daily, no minimum amount, ideal for regular transfers; RTGS — real-time, 24×7, minimum ₹2 lakh, used for high-value transactions; IMPS — instant, 24×7, up to ₹5 lakh, best for urgent transfers; UPI — uses Virtual Payment Address (VPA) linked to accounts at this branch, instant and zero-cost for most transactions. For each method, the sender's bank verifies IFSC IBKL0000864 against the RBI IFSC master list before processing the payment.
MICR Code and Branch Details
In addition to the IFSC, the Rac Kozhikode branch of Idbi Bank in Calicut carries a MICR (Magnetic Ink Character Recognition) code — a 9-digit number printed on cheques that identifies the bank, city, and branch for cheque clearing through the MICR-based clearing system. While NEFT/RTGS/IMPS use the IFSC IBKL0000864 exclusively for electronic transfers, MICR remains relevant for paper-based cheque processing. Both codes are listed on this page for complete branch reference.
How to Verify IFSC IBKL0000864 Before Transferring
Before initiating any high-value transfer to IFSC IBKL0000864, verify the code through: (1) the RBI's official IFSC repository at rbi.org.in; (2) Idbi Bank's official website branch locator; (3) MahaFind's IFSC lookup — the page you are currently viewing. Cross-reference the branch address and bank name displayed here against the details provided by your recipient to confirm accuracy. A mismatch in even one character of the IFSC can reroute your transfer to a different branch entirely.
FAQs — Idbi Bank Rac Kozhikode, Calicut IFSC
What is the IFSC of Idbi Bank Rac Kozhikode in Calicut?
The IFSC of Idbi Bank, Rac Kozhikode branch in Calicut, Kerala is IBKL0000864. Use this for NEFT, RTGS, IMPS, and UPI transfers to any account at this branch.
What is the minimum amount for NEFT to IFSC IBKL0000864?
There is no minimum amount for NEFT transfers. You can send as little as ₹1. RTGS requires a minimum of ₹2 lakh. IMPS supports up to ₹5 lakh per transaction. All three use IFSC IBKL0000864 to route funds to Idbi Bank, Rac Kozhikode, Calicut.
Who assigns IFSC codes like IBKL0000864?
The Reserve Bank of India (RBI) assigns all IFSC codes in India. Idbi Bank applied for the IFSC for its Rac Kozhikode branch in Calicut, and RBI issued IBKL0000864 as the unique identifier. The complete list of valid IFSCs is maintained in RBI's IFSC master directory.
Can I use IFSC IBKL0000864 for UPI payments?
UPI payments are linked to a Virtual Payment Address (VPA) rather than an IFSC directly, but the underlying account is mapped to IFSC IBKL0000864 at Idbi Bank, Rac Kozhikode, Calicut. When sending money via NEFT/RTGS/IMPS to this branch's account holders, always use IFSC IBKL0000864.
About IFSC Code IBKL0000864
IFSC Code IBKL0000864 belongs to Idbi Bank branch Rac Kozhikode located in Calicut, Kozhikode, Kerala.
Branch Information
- IFSC Code: IBKL0000864
- Bank: Idbi Bank
- Branch: Rac Kozhikode
- Address: RETAIL ASSET CENTRE FIRST FLOOR CITY PLAZA YMCA CROSS ROAD KOZHIKODE 673001
- City: Calicut
- District: Kozhikode
- State: Kerala
- Pincode: 673001
Payment Services
- NEFT: Available
- RTGS: Available
- IMPS: Available
- UPI: Available