KTCCB
Wed, 11 Mar 2026 RBI Regulated CBS Enabled

MICR & IFSC Code

Bank Identification Codes

MICR & IFSC Code

The codes below are the official, RBI-registered identification codes for The Kalna Town Credit Co-operative Bank Ltd. Use these codes for NEFT, RTGS, IMPS, NACH mandates, ECS, and Direct Benefit Transfer (DBT) transactions. Ensure you select the correct code for each purpose.

Important Notice — RBI Advisory

Always verify the payee's account number and bank name before initiating fund transfers. Electronic fund transfers via NEFT / RTGS / IMPS are IRREVOCABLE once processed. The bank is not liable for transfers made to incorrect accounts due to wrong IFSC/account details.

MICR Code
Official Bank Code
713864000

Magnetic Ink Character Recognition code used for clearing cheques via the National Cheque Clearing System (NCCS). Required when issuing post-dated cheques, ECS mandates, and direct debit instructions.

Used For:
  • Cheque clearing (NCCS)
  • ECS / NACH mandates
  • Post-dated cheques
IFSC Code
Official Bank Code
YESB0KTCB01

Indian Financial System Code used for electronic fund transfers via NEFT, RTGS, and IMPS. Consists of 11 characters — first 4 identify the bank, 5th is a control character (0), and last 6 denote the branch.

Used For:
  • NEFT transfers (24×7)
  • RTGS (min ₹2 lakh)
  • IMPS (instant transfer)
  • UPI linked accounts
IFSC Code (DBT)
Official Bank Code
HDFC0CKTCCB

IFSC code used exclusively for Direct Benefit Transfer (DBT) transactions initiated by Government of India schemes such as PM-Kisan, PM-Awas Yojana, MGNREGS wages, scholarship disbursements, and LPG subsidy credits.

Used For:
  • DBT — PM-Kisan Samman Nidhi
  • DBT — LPG Subsidy (PAHAL)
  • DBT — Scholarships & MGNREGS
  • Government Social Welfare Schemes
Code copied!
Step-by-Step Guide

How to Use These Codes

01
Log In / Visit Branch

Log into your internet banking or visit our branch at Kansari Para, Kalna with your passbook / cheque book.

02
Initiate Transfer / Mandate

Select NEFT / RTGS / IMPS for fund transfers. For NACH / ECS mandates, provide MICR code on the mandate form.

03
Enter Correct IFSC / MICR

Copy the exact code from this page. For DBT credit from government schemes, use the DBT-specific IFSC.

04
Verify & Confirm

Always verify the beneficiary name / account number before confirming. Transactions are IRREVOCABLE once processed.

Understanding the MICR Code

MICR (Magnetic Ink Character Recognition) is a 9-digit code printed using special magnetic ink at the bottom of cheque leaves. It consists of three parts:

713 City Code
864 Bank Code
000 Branch Code

MICR code 713864000: City — Purba Bardhaman (713), Bank — KTCCB (864), Branch — Main Branch (000). This code is automatically scanned by the clearing house for cheque processing.

Understanding the IFSC Code

IFSC (Indian Financial System Code) is an 11-character alphanumeric code allotted by RBI to identify each bank branch uniquely in the payment network.

YESB Bank Code
0 Reserved (0)
KTCB01 Branch Code

The IFSC YESB0KTCB01 routes digital fund transfers via RBI's NEFT / RTGS network directly to the Main Branch. For government DBT credits, always use HDFC0CKTCCB.

Quick Reference Card — The Kalna Town Credit Co-operative Bank Ltd.
Kansari Para, Kalna, Purba Bardhaman — 713409 | Ph: 03454-255105
MICR Code 713864000
IFSC Code YESB0KTCB01
IFSC Code (DBT) HDFC0CKTCCB
Need Help With Fund Transfers?

Our branch staff will assist you with NEFT / RTGS / IMPS transactions and government DBT linkage. For cyber fraud or transaction disputes, call the National Cyber Crime Helpline: 1930

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