If you are searching for the IFSC code of Karur Vysya Bank, CHIRALA branch in CHIRALA, ANDHRA PRADESH, this page has every detail you need. The verified IFSC code for this branch is KVBL0001421. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.
You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the CHIRALA branch, and detailed step-by-step guides for using the IFSC KVBL0001421 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.
An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.
For Karur Vysya Bank's CHIRALA branch, the IFSC KVBL0001421 breaks down as follows: KVBL identifies the bank, 0 is the reserved character, and 001421 identifies this particular branch.
Bank profile
Karur Vysya Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Chirala branch — IFSC KVBL0001421 — extends the bank's services to customers in and around Chirala, Andhra Pradesh.
Branch details at a glance
| Bank Name | Karur Vysya Bank |
|---|---|
| Branch | Chirala |
| IFSC Code | KVBL0001421 |
| MICR Code | Refer to cheque leaf |
| Branch Address | DNO211190 OPPNERELLA BUILDINGS ANDHRA RATNA ROAD |
| City | Chirala |
| District | Chirala |
| State | Andhra Pradesh |
| STD Code | 22 |
| Phone | 22654261 |
About this branch
The branch is located at DNO211190 OPPNERELLA BUILDINGS ANDHRA RATNA ROAD. It serves the Chirala region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Karur Vysya Bank. The IFSC KVBL0001421 is used to identify this branch on the RBI payments network.
The role of IFSC in India's payments network
India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how Karur Vysya Bank's CHIRALA branch came to be assigned the code KVBL0001421.
Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC KVBL0001421, money simply cannot be routed to the CHIRALA branch electronically.
Products and account variants supported
Every account opened at the Chirala branch is mapped to IFSC KVBL0001421 on the RBI payments network. The branch generally supports the full retail product catalogue of Karur Vysya Bank, including:
- Resident savings accounts and salary accounts
- Current accounts for businesses and professionals
- Fixed deposits, recurring deposits and tax-saver deposits
- Demand drafts, banker's cheques and pay orders
- Retail loans — personal, vehicle, education, gold and home
- Credit cards and overdraft facilities (subject to eligibility)
- Third-party investment products such as mutual funds and insurance (through tie-ups)
Whichever product you choose, the IFSC for incoming credits remains KVBL0001421.
Products and services
Customers walking into the Chirala branch can access most of Karur Vysya Bank's standard product suite, including:
- Account opening – savings, current, NRI, salary
- Term deposits and recurring deposits
- Retail and small-business loans
- Insurance and mutual-fund tie-ups
- Locker, safe deposit and ATM card services
- Online and mobile banking activation
- Electronic transfers via IFSC KVBL0001421
How to transfer money using IFSC KVBL0001421
Online transfers in India are powered by three major channels — NEFT, RTGS and IMPS — and each one requires a destination IFSC. Below is a quick guide for using IFSC KVBL0001421 across all three.
NEFT to Karur Vysya Bank, CHIRALA using IFSC KVBL0001421
National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.
To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC KVBL0001421, and confirm that the system picks up Karur Vysya Bank – CHIRALA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to CHIRALA
If you need to transfer ₹2 lakh or more in one go to an account at Karur Vysya Bank's CHIRALA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KVBL0001421 while initiating the transfer and the credit will appear within minutes.
Send money instantly through IMPS
For a real-time, anytime transfer to Karur Vysya Bank – CHIRALA, use IMPS. With IFSC KVBL0001421 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
Comparing NEFT, RTGS and IMPS for transfers to Chirala
The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC KVBL0001421:
- NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
- RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
- IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
- UPI — best for small peer-to-peer payments using a VPA; the underlying account at CHIRALA is still linked to IFSC KVBL0001421.
For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.
How UPI relates to the IFSC code
UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at Karur Vysya Bank's CHIRALA branch, the IFSC KVBL0001421 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.
That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.
Digital banking channels
Most day-to-day work that customers used to do at the Chirala branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC KVBL0001421 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.
MICR code & cheque clearing
Apart from IFSC, every cheque book issued by Karur Vysya Bank carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC KVBL0001421 and the account number together uniquely identify the Chirala branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Common mistakes to avoid when using IFSC KVBL0001421
An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to Karur Vysya Bank – CHIRALA, double-check for these issues:
- Confusing 0 with O. The fifth character of every IFSC is the digit
0, not the letter O. Read carefully. - Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters:
KVBL0001421. - Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
- Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
- Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.
Reaching the branch
The Chirala branch sits at DNO211190 OPPNERELLA BUILDINGS ANDHRA RATNA ROAD. If you are travelling from outside Chirala, search for the branch on a maps application using the bank name and locality, or call 22-22654261 to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC KVBL0001421 and your account number.
Verifying IFSC KVBL0001421 from official sources
The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm KVBL0001421 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 22-22654261.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Chirala are usually open from 10 AM to 4 PM on weekdays. Saturdays follow the RBI's alternate-Saturday rule. Even when the branch is closed, NEFT, RTGS, IMPS and UPI transfers addressed to KVBL0001421 continue to work without interruption.
Branch address & contact
Karur Vysya BankChirala Branch
DNO211190 OPPNERELLA BUILDINGS ANDHRA RATNA ROAD
Chirala, Andhra Pradesh
Phone: 22-22654261
IFSC: KVBL0001421
Frequently asked questions
Is IFSC KVBL0001421 the same for all accounts at Chirala branch?
Yes. The IFSC KVBL0001421 is shared by every account held at Karur Vysya Bank's Chirala branch. Only the account number changes from customer to customer.
Does Karur Vysya Bank Chirala branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 22-22654261 to confirm.
What is the IFSC code of Karur Vysya Bank Chirala branch?
The IFSC code of Karur Vysya Bank, Chirala branch is KVBL0001421. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC KVBL0001421 valid for NEFT and RTGS?
Yes. IFSC KVBL0001421 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How quickly will an NEFT transfer using KVBL0001421 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Karur Vysya Bank – Chirala reflect within 30 minutes.
How do I add Karur Vysya Bank Chirala as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC KVBL0001421, and complete OTP verification. Once activated, you can transfer funds at any time.
Can I use IFSC KVBL0001421 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC KVBL0001421 to send funds instantly.
What is the phone number of Karur Vysya Bank Chirala branch?
You can reach the branch at 22-22654261 during regular banking hours.
Summary
The IFSC code KVBL0001421 belongs to Karur Vysya Bank's CHIRALA branch, located at DNO211190 OPPNERELLA BUILDINGS ANDHRA RATNA ROAD in CHIRALA, ANDHRA PRADESH. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.
