The IFSC Code is a very important number used in India for digital banking and online money transfers that ensures seamless and accurate fund transfers. In case you are sending money through NEFT, RTGS, or IMPS, the bank requires you to enter the correct IFSC Code to route your payment to the right branch. If you are searching for the IFSC Code of The Kerala State Co Operative Bank Ltd for its Kadaplamattom branch in Kottayam, Kottayam, Kerala, this complete guide will provide you with detailed information.
The banking system in India has changed over the years, and today customers of The Kerala State Co Operative Bank Ltd located in Kottayam or anywhere in Kerala can transfer funds instantly by using the correct IFSC Code KSBK0001298. Knowing how the IFSC Code works will help you stay informed and avoid transfer issues.
Details of IFSC Code for The Kerala State Co Operative Bank Ltd, Kadaplamattom, Kottayam
Here are the main details that are associated with the IFSC Code KSBK0001298 of The Kerala State Co Operative Bank Ltd for its branch located in Kottayam, within the district of Kottayam in the state of Kerala.
| Particulars | Details |
|---|---|
| Bank | The Kerala State Co Operative Bank Ltd |
| IFSC Code | KSBK0001298 |
| Branch | Kadaplamattom |
| City | Kottayam |
| District | Kottayam |
| State | Kerala |
| Address | 5/235,Kadaplamattom,Kottayam Pin 686571 |
These details are essential not only for online banking users but also for businesses and individuals who use The Kerala State Co Operative Bank Ltd in Kottayam for day-to-day financial transactions. If you are depositing money, sending payments, or conducting commercial transfers, the IFSC Code KSBK0001298 for the Kadaplamattom branch of The Kerala State Co Operative Bank Ltd plays an important role.
What Is IFSC Code and Why Is It Important?
IFSC stands for Indian Financial System Code, an 11-character alphanumeric code that is provided by the Reserve Bank of India. A unique IFSC like KSBK0001298 is given to every bank branch, including The Kerala State Co Operative Bank Ltd located in Kadaplamattom, Kottayam, Kerala, to make sure that online payments reach the right place.
The IFSC Code is important because:
- It uniquely identifies the The Kerala State Co Operative Bank Ltd branch in Kottayam.
- It helps NEFT, RTGS, and IMPS systems route the transfer securely.
- It avoids any kind of confusion between multiple branches of the same bank across different places like Kottayam and Kottayam.
- It removes errors in fund transfers and improves accuracy.
- It lets the sender banks validate and confirm branch details before they process the payments.
There are thousands of branches across Kerala and the rest of India, which is why the IFSC Code ensures that transactions meant for The Kerala State Co Operative Bank Ltd in Kadaplamattom doesn't end up at another location.
Format of the IFSC Code KSBK0001298
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): Show the bank code. For The Kerala State Co Operative Bank Ltd, these letters represent the bank's short name.
- 5th character: Is always zero and is kept for future use.
- Last 6 characters (CCCCCC): Represent the specific branch code assigned to branches such as Kadaplamattom in Kottayam.
For example, the IFSC Code KSBK0001298 of The Kerala State Co Operative Bank Ltd for the Kadaplamattom branch includes these elements, identifying the bank and the branch location in Kottayam and Kerala accurately.
How to Find IFSC Code for The Kerala State Co Operative Bank Ltd?
If you are trying to find the IFSC Code KSBK0001298 of The Kerala State Co Operative Bank Ltd for its Kadaplamattom branch located in Kottayam, the following methods can help:
Cheque Book
The cheque books that are issued by The Kerala State Co Operative Bank Ltd include the IFSC Code which is printed on each cheque and you can easily spot the code on the top section.
Passbook
Most banks, including The Kerala State Co Operative Bank Ltd branches in Kottayam and Kottayam, 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 find the branch locator section. Search for Kadaplamattom or Kottayam to get the exact IFSC Code KSBK0001298.
Mobile Banking App
If you use The Kerala State Co Operative Bank Ltd's mobile app, you can easily 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 to help you in searching for The Kerala State Co Operative Bank Ltd and Kottayam that will provide accurate information.
How to Use IFSC Code KSBK0001298 for Online Transfers?
Once you have the IFSC Code KSBK0001298 for the Kadaplamattom branch of The Kerala State Co Operative Bank Ltd in Kottayam, you can initiate your fund transfers using any digital method:
NEFT
Add the beneficiary's name, account number, and IFSC Code KSBK0001298. The transfer is completed in batches instead of instantly. It is useful for both 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. Requires the recipient's account details and The Kerala State Co Operative Bank Ltd IFSC Code KSBK0001298.
No matter which payment method you use, the IFSC Code must be correct. If you enter the wrong IFSC Code for the The Kerala State Co Operative Bank Ltd Kadaplamattom in Kottayam, your payment can get delayed or might not go through at all.
Finding the MICR Code
MICR codes are used for check clearances and are not the same as IFSC codes. If you are searching for the MICR code of The Kerala State Co Operative Bank Ltd in Kadaplamattom, you can find it by any of the following ways:
- Check the bottom of your cheque leaf.
- Go to the first page of your passbook.
- Visit the official The Kerala State Co Operative Bank Ltd website.
- Search the RBI portal.
Having both IFSC and MICR codes helps account holders in Kottayam manage online transfers as well as cheque clearances with ease.
Frequently Asked Questions (FAQs)
The IFSC Code is KSBK0001298.
Yes, but there can be changes during mergers or restructuring.
No, MICR is for cheque clearing and the IFSC is for online transfers.
You can easily find it on cheque books, passbooks, the bank's website, mobile app, or the RBI portal.
The address of the branch is 5/235,Kadaplamattom,Kottayam Pin 686571 located in Kottayam, Kottayam, Kerala.
The IFSC Code ensures that NEFT, RTGS, and IMPS transactions are accurately routed to the correct bank branch.