Kerala State Co-operative Bank — KARUKACHAL Branch

How to Use KSBK0001305 for Money Transfers

The IFSC code KSBK0001305 is specifically assigned to the KARUKACHAL branch of Kerala State Co-operative Bank located in KOTTAYAM, KERALA. This unique code is mandatory for routing electronic payments correctly within India.

NEFT Transfer

Use KSBK0001305 when adding this branch as a beneficiary in NEFT transactions. NEFT operates in half-hourly batches from 12:30 AM to 12:00 AM on all days. Enter the IFSC, account number, and account holder name carefully to ensure successful transfer.

RTGS Transfer

For high-value transactions above ₹2 lakh, RTGS offers real-time gross settlement. Use KSBK0001305 along with the beneficiary's exact account number. RTGS is available on working days from 7:00 AM to 6:00 PM.

IMPS & UPI

IMPS and UPI allow instant 24×7 transfers. While UPI apps often auto-resolve the IFSC from the VPA, mobile banking apps require KSBK0001305 when registering a new beneficiary.

Always double-check the account number before confirming any transfer — the IFSC routes funds to the correct branch, but the account number specifies the exact recipient.

About Kerala State Co-operative Bank KARUKACHAL Branch

The KARUKACHAL branch of Kerala State Co-operative Bank is situated in KOTTAYAM, KERALA. The branch address is 5/696,KARUKACHAL,KOTTAYAM PIN 686540. This branch supports electronic payment services including NEFT, RTGS, IMPS. You can contact this branch at +914812485169. Always use the IFSC code KSBK0001305 when making any online fund transfer to an account held at this branch.