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IDBI — RAC KOZHIKODE Branch
OHOE, KERALA | IFSC: IBKL0008021
About IDBI RAC KOZHIKODE Branch — IFSC Code IBKL0008021
Let me give you the actual useful details here, not just the code. IDBI's RAC KOZHIKODE branch is in OHOE, KOZHIKODE district, KERALA. The IFSC code is IBKL0008021 — verified against RBI records. You'll need this exact code any time you want to receive a bank transfer to an account held at this branch.
Quick breakdown of what this IFSC code tells you: IBKL = IDBI (that's how every IDBI branch code starts), the 0 in the middle is RBI's reserved placeholder (it's always zero, no exceptions), and 008021 = the unique identifier for this specific RAC KOZHIKODE branch. Every branch in India has its own tail code.
How to Use IFSC Code IBKL0008021 for Money Transfers
There are three main ways to send money using this IFSC code — NEFT, RTGS, and IMPS. They're not interchangeable, and picking the wrong one can mean delays or unnecessary fees.
NEFT Transfer (Best for most routine transfers)
NEFT (National Electronic Funds Transfer) works in 30-minute settlement batches, runs 24×7 including holidays, and there's no minimum or maximum transfer limit. Banks cannot charge fees for NEFT transfers — RBI eliminated those fees in January 2020. I use NEFT for practically everything: paying suppliers, rent, EMI mandates. Enter IFSC IBKL0008021 as the branch code when setting up a beneficiary.
RTGS Transfer (For ₹2 lakh and above)
RTGS (Real Time Gross Settlement) is the one where funds actually move in real-time — not batched. Minimum amount is ₹2,00,000 and there's no upper cap. Banks typically charge ₹20–₹50. If you're doing a property transaction, business payment, or any large transfer, RTGS with IFSC IBKL0008021 is the right choice. Settlement is essentially immediate.
IMPS Transfer (For urgent transfers of any size, 24×7)
IMPS (Immediate Payment Service) is instant, works on bank holidays and at 2am, and the limit is ₹5 lakh per transaction. Small charges apply (usually ₹5–₹25). Honestly if something is genuinely urgent, IMPS with IFSC IBKL0008021 is the fastest route. Money reaches the recipient's account in under a minute in most cases.
| Transfer Type | Speed | Min Amount | Max Amount | Available |
|---|---|---|---|---|
| NEFT | ~30 min batches | No minimum | No limit | 24×7, 365 days |
| RTGS | Real-time | ₹2,00,000 | No limit | 24×7, 365 days |
| IMPS | Instant (seconds) | No minimum | ₹5,00,000 | 24×7, 365 days |
Services Available at IDBI RAC KOZHIKODE
Most IDBI branches offer the full stack of banking services: savings and current accounts, fixed deposits, recurring deposits, lockers, home loans, personal loans, education loans, vehicle loans, credit cards, debit cards, and forex services. Internet banking and mobile banking enrollment are available at any branch.
Branch hours are typically Monday to Saturday, 10 AM to 4 PM, with Sundays and bank holidays closed. The 2nd and 4th Saturday of each month are also usually holidays. That said — call ahead before visiting for anything time-sensitive, because individual branches sometimes have different hours.
📍 Branch address: IDBI BANK LTD,IST FLOOR,CITY PLAZA,YMCA CROSS ROAD,KOZHIKODE PIN 673001, OHOE — 673001. Use the map above to get directions.
IDBI Branches in OHOE, KERALA
The RAC KOZHIKODE branch is one of IDBI's locations serving OHOE and KOZHIKODE district in KERALA. Use the search on this site to find other IDBI branches in OHOE or nearby areas — enter 'IDBI OHOE' in the search bar to see a full list with IFSC codes and addresses.
Questions About IFSC Code IBKL0008021
The IFSC code is IBKL0008021. This is RBI-verified and used for NEFT, RTGS, and IMPS transfers. Copy it exactly — case doesn't matter when entering it in banking portals, but all characters must be correct.
IDBI RAC KOZHIKODE branch is located in OHOE, KOZHIKODE district, KERALA. The address is: IDBI BANK LTD,IST FLOOR,CITY PLAZA,YMCA CROSS ROAD,KOZHIKODE PIN 673001. Use the map on this page for directions.
The MICR code is not available in our database for this specific branch. Check your cheque book or contact the branch directly.
Log into your net banking or mobile banking app, go to 'Add Beneficiary' or 'Manage Payees', enter the account holder's name, account number, and use IBKL0008021 as the IFSC code. After adding, there's usually a 30-minute to 4-hour cooling period before you can transfer. The beneficiary details must match the account exactly — even a small name mismatch can cause transfers to fail.
Yes — you can cross-check IBKL0008021 on the RBI website (rbi.org.in) under their IFSC lookup. The data on this site is sourced from RBI and updated regularly. For large transfers, it's always worth the extra 2 minutes to verify directly with the account holder.
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