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. No matter, if you are sending money through NEFT, RTGS, or IMPS, the bank requires you to enter the correct IFSC Code so that your payment goes to the right branch. And if you are searching for the IFSC Code of The Kerala State Co Operative Bank Ltd for its Padinharathara branch in Padinjarathara, Wayanad, Kerala, then this guide will give you detailed information.
The banking system has evolved significantly in India, and today the customers of The Kerala State Co Operative Bank Ltd located in Padinjarathara or anywhere in Kerala can transfer funds instantly by using the correct IFSC Code KSBK0001703. 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, Padinharathara, Padinjarathara
Here are the main details that are associated with the IFSC Code KSBK0001703 of The Kerala State Co Operative Bank Ltd for its branch located in Padinjarathara, within the district of Wayanad in the state of Kerala.
| Particulars | Details |
|---|---|
| Bank | The Kerala State Co Operative Bank Ltd |
| IFSC Code | KSBK0001703 |
| Branch | Padinharathara |
| City | Padinjarathara |
| District | Wayanad |
| State | Kerala |
| Address | Pp-11/69,C K Complex,Padinharathara,Wayanad Pin 673575 |
These details are important not only for users using online banking but also for businesses and individuals who use The Kerala State Co Operative Bank Ltd in Padinjarathara for everyday financial transactions. If you are depositing money, sending payments, or managing any commercial transfers, the IFSC Code KSBK0001703 for the Padinharathara branch of The Kerala State Co Operative Bank Ltd is vital.
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, including The Kerala State Co Operative Bank Ltd located in Padinharathara, Padinjarathara, Kerala, is provided with a unique IFSC like KSBK0001703 to ensure that online payments reach the right destination.
The IFSC Code is important because:
- It uniquely identifies the The Kerala State Co Operative Bank Ltd branch in Padinjarathara.
- It helps NEFT, RTGS, and IMPS systems route the transfer securely.
- It avoids any errors or confusions between multiple branches of the same bank across different places like Padinjarathara and Wayanad.
- It reduces errors in fund transfers and improves accuracy.
- It allows sender banks to validate and confirm branch details before processing payments.
There are thousands of branches across Kerala and the rest of India and the IFSC Code ensures that transactions meant for The Kerala State Co Operative Bank Ltd in Padinharathara do not get mixed with another location.
Format of the IFSC Code KSBK0001703
The format of the IFSC Code for banks, including The Kerala State Co Operative Bank Ltd, has 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 Padinharathara in Padinjarathara.
For example, the IFSC Code KSBK0001703 of The Kerala State Co Operative Bank Ltd for the Padinharathara branch includes these elements, identifying the bank and the branch location in Padinjarathara and Kerala correctly.
How to Find IFSC Code for The Kerala State Co Operative Bank Ltd?
If you are trying to find the IFSC Code KSBK0001703 of The Kerala State Co Operative Bank Ltd for its Padinharathara branch located in Padinjarathara, 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 Padinjarathara and Wayanad, 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 Padinharathara or Padinjarathara to get the exact IFSC Code KSBK0001703.
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 Padinjarathara that will provide accurate information.
How to Use IFSC Code KSBK0001703 for Online Transfers?
Once you have the IFSC Code KSBK0001703 for the Padinharathara branch of The Kerala State Co Operative Bank Ltd in Padinjarathara, you can initiate your fund transfers using any digital method:
NEFT
Add the beneficiary's name, account number, and IFSC Code KSBK0001703. 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 KSBK0001703.
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 Padinharathara in Padinjarathara, your payment can get delayed or might not go through at all.
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 Padinharathara, 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 Padinjarathara to handle online money transfers and get their cheques cleared smoothly.
Frequently Asked Questions (FAQs)
The IFSC Code is KSBK0001703.
Yes, but it can change during merging or restructuring of the bank.
No, MICR is for cheque clearing and IFSC is for online transfers.
You can find it on your chequebook, passbook, the bank's website, the mobile app, or on the RBI portal.
The address of the branch is Pp-11/69,C K Complex,Padinharathara,Wayanad Pin 673575 located in Padinjarathara, Wayanad, Kerala.
The IFSC Code ensures that NEFT, RTGS, and IMPS transactions are accurately routed to the correct bank branch.