Digital banking and online financial transactions in India uses one essential element that ensures you have a seamless and accurate fund transfers, it is the IFSC Code. Banks need the correct IFSC Code for NEFT, RTGS, or IMPS transfers to reach the right branch. If you are looking for the IFSC Code of The Kerala State Co Operative Bank Ltd for its K.P. Road branch in Kayamkulam, Alappuzha, or Kerala, this guide will help you with all the details.
There have been major changes in the banking sector in India and today, the customers of The Kerala State Co Operative Bank Ltd located in Kayamkulam or anywhere in Kerala can transfer funds instantly by using the correct IFSC Code KSBK0001247. You should definitely know how the IFSC Code works and how it helps you stay informed and avoid transfer errors.
Details of IFSC Code for The Kerala State Co Operative Bank Ltd, K.P. Road, Kayamkulam
Below in the table are the key details related to IFSC Code KSBK0001247 of The Kerala State Co Operative Bank Ltd for its branch located in Kayamkulam, within the district of Alappuzha in the state of Kerala.
| Particulars | Details |
|---|---|
| Bank | The Kerala State Co Operative Bank Ltd |
| IFSC Code | KSBK0001247 |
| Branch | K.P. Road |
| City | Kayamkulam |
| District | Alappuzha |
| State | Kerala |
| Address | 99,Kayamkulam,Alappuzha Pin 690502 |
These details helps users in online banking and for businesses and individuals who use The Kerala State Co Operative Bank Ltd in Kayamkulam for their financial transactions. In case you are depositing money, sending payments, or conducting commercial transfers, the IFSC Code KSBK0001247 for the K.P. Road branch of The Kerala State Co Operative Bank Ltd plays a vital role.
What Is IFSC Code and Why Is It Important?
IFSC stands for Indian Financial System Code, an 11-character alphanumeric code provided by the Reserve Bank of India. Every bank branch, along with The Kerala State Co Operative Bank Ltd located in K.P. Road, Kayamkulam, Kerala, are allotted a unique IFSC like KSBK0001247 to ensure that online payments reach the right destination.
The IFSC Code is important because:
- It clearly tells which bank branch it is in Kayamkulam.
- It helps NEFT, RTGS, and IMPS systems route the transfer securely.
- It prevents confusion between different branches of the same bank in places like Kayamkulam and Alappuzha.
- It reduces errors in fund transfers and improves accuracy.
- It helps the sender banks to validate and confirm branch details before processing payments.
It makes sure that money sent to The Kerala State Co Operative Bank Ltd in K.P. Road reaches the right place, even though there are thousands of branches in Kerala and across India.
Format of the IFSC Code KSBK0001247
The format of the IFSC Code for banks, including The Kerala State Co Operative Bank Ltd, follows an 11-character structure:
AAAA0CCCCCC
Here's the breakdown:
- First 4 characters (AAAA): These represent the bank code. In The Kerala State Co Operative Bank Ltd, they are a short identifier for the bank.
- 5th character (0): This is always zero and is reserved for future use.
- Last 6 characters (CCCCCC): These are what represent the specific branch code which is assigned to branches like K.P. Road in Kayamkulam.
For example, the IFSC Code KSBK0001247 of The Kerala State Co Operative Bank Ltd for the K.P. Road branch has these elements, identifying the bank and the branch location in Kayamkulam and Kerala correctly.
How to Find IFSC Code for The Kerala State Co Operative Bank Ltd?
To find the IFSC Code KSBK0001247 of The Kerala State Co Operative Bank Ltd for its K.P. Road branch located in Kayamkulam, the following methods can help you out:
Cheque Book
The cheque book issued by The Kerala State Co Operative Bank Ltd includes the IFSC Code printed on each cheque leaf. You can easily spot the code on the top section.
Passbook
Most banks, including The Kerala State Co Operative Bank Ltd branches in Kayamkulam and Alappuzha, print the IFSC and MICR codes on the first page of the passbook.
Bank Website
Visit the official website of The Kerala State Co Operative Bank Ltd and go to the branch locator section. Then search for K.P. Road or Kayamkulam to find the exact IFSC Code KSBK0001247.
Mobile Banking App
If you use The Kerala State Co Operative Bank Ltd's mobile app, you can check your account details to find your branch's IFSC code.
RBI Website
The Reserve Bank of India maintains an updated database of all IFSC codes. Searching for The Kerala State Co Operative Bank Ltd and Kayamkulam will provide accurate information.
How to Use IFSC Code KSBK0001247 for Online Transfers?
If you have the IFSC Code KSBK0001247 for the K.P. Road branch of The Kerala State Co Operative Bank Ltd in Kayamkulam, you can easily go ahead with fund transfers using any digital method:
NEFT
Add beneficiary details including the name, account number, and IFSC Code KSBK0001247. Transfers are processed in batches. Suitable for personal and business payments.
RTGS
Used for high-value payments above ₹2 lakh. Real-time settlement using the IFSC Code of the recipient branch.
IMPS
Instant 24×7 transfers. Asks for the recipient's account details and The Kerala State Co Operative Bank Ltd IFSC Code KSBK0001247.
Whatever method you choose, the accuracy of the IFSC Code is important and needed. In case there is any mistake in entering the IFSC Code for The Kerala State Co Operative Bank Ltd K.P. Road in Kayamkulam, it may result in delayed or failed transactions.
Finding the MICR Code
MICR codes are used for cheque clearance and differ from IFSC codes. If you are looking for the MICR code of The Kerala State Co Operative Bank Ltd in K.P. Road, here are some ways to obtain it:
- Check the bottom of your cheque leaf.
- Refer to the first page of your passbook.
- Visit the official The Kerala State Co Operative Bank Ltd website.
- Search the RBI portal.
Having both the IFSC and MICR codes makes it easy for account holders in Kayamkulam to handle online money transfers and get their cheques cleared smoothly.
Frequently Asked Questions (FAQs)
The IFSC Code is KSBK0001247.
Yes, but it can change if the bank merges or goes through restructuring.
No. MICR is for cheque clearing; IFSC is for online transfers.
You can find it on cheque books, passbooks, the bank's website, mobile app, or the RBI portal.
The address of the branch is 99,Kayamkulam,Alappuzha Pin 690502 located in Kayamkulam, Alappuzha, Kerala.
The IFSC Code ensures that NEFT, RTGS, and IMPS transactions are accurately routed to the correct bank branch.