IFSC Code of Karur Vysya Bank, Razole Branch, Andhra Pradesh

This page lists the IFSC code, branch address, contact number and fund-transfer information for Karur Vysya Bank, RAZOLE branch in EAST GODAVARI. The 11-digit IFSC KVBL0004870 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Karur Vysya Bank at the RAZOLE location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this 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 RAZOLE branch, the IFSC KVBL0004870 breaks down as follows: KVBL identifies the bank, 0 is the reserved character, and 004870 identifies this particular branch.

Branch details at a glance

Bank profile

Karur Vysya Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Razole branch — IFSC KVBL0004870 — extends the bank's services to customers in and around East Godavari, Andhra Pradesh.

Razole branch overview

Located at S NO 145/1, MAIN ROAD, RAZOLE, EAST GODAVARI DISTRICT-533242,, the Razole branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC KVBL0004870 is required for all interbank electronic transfers routed through this branch.

Why every Karur Vysya Bank branch has a unique IFSC

Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including RAZOLE of Karur Vysya Bank — its own 11-character IFSC. The code KVBL0004870 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.

Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC KVBL0004870 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC KVBL0004870

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 KVBL0004870 across all three.

How to use IFSC KVBL0004870 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Karur Vysya Bank's RAZOLE branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC KVBL0004870.
4. Confirm the bank name auto-populates as Karur Vysya Bank and the branch as RAZOLE.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC KVBL0004870

RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to Karur Vysya Bank – RAZOLE, ensure your bank's portal accepts IFSC KVBL0004870 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Karur Vysya Bank – RAZOLE, use IMPS. With IFSC KVBL0004870 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC KVBL0004870 for Karur Vysya Bank – RAZOLE, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.

For most retail customers crediting the Razole branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.

UPI payments and IFSC KVBL0004870

UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at Karur Vysya Bank – RAZOLE is still mapped to IFSC KVBL0004870. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.

If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC KVBL0004870 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Razole branch is mapped to IFSC KVBL0004870 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 KVBL0004870.

Banking services available

The Razole branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 22-22654261.

• Savings, current and salary accounts
• Fixed deposits and recurring deposits
• Personal, vehicle and home loans
• Demat and investment products (where supported)
• Internet banking and mobile banking enrolment
• Debit and credit card issuance
• Locker facilities (subject to availability)
• Foreign exchange services (at authorised branches)
• Bill payments, demand drafts and pay orders
• NEFT / RTGS / IMPS / UPI fund transfers using IFSC KVBL0004870

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 KVBL0004870 and the account number together uniquely identify the Razole branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Digital banking channels

Most day-to-day work that customers used to do at the Razole 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 KVBL0004870 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.

Things to verify before sending money

Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to Karur Vysya Bank – RAZOLE:

• The IFSC is exactly KVBL0004870 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills Karur Vysya Bank as the bank name and RAZOLE as the branch.
• The amount and the purpose of payment are correct.
• You have a valid OTP-verifying mobile number on hand.

A 30-second review here saves hours of reconciliation later.

Reaching the branch

The Razole branch sits at S NO 145/1, MAIN ROAD, RAZOLE, EAST GODAVARI DISTRICT-533242,. If you are travelling from outside East Godavari, 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 KVBL0004870 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC KVBL0004870 for Karur Vysya Bank – RAZOLE, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

Working hours

Branch counters at Razole 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 KVBL0004870 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code KVBL0004870 belongs to Karur Vysya Bank's RAZOLE branch, located at S NO 145/1, MAIN ROAD, RAZOLE, EAST GODAVARI DISTRICT-533242, in EAST GODAVARI, 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.