Use this page as a one-stop reference for everything related to Karur Vysya Bank's KATHIRAMPATTI branch in ERODE, TAMIL NADU. The branch's IFSC code KVBL0001861 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.
The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.
The IFSC for Karur Vysya Bank – KATHIRAMPATTI is KVBL0001861. The first four letters KVBL are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001861 map to this branch in ERODE, TAMIL NADU.
About the bank
Karur Vysya Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Kathirampatti branch in Erode, Tamil Nadu is part of this network and uses the IFSC code KVBL0001861 for all electronic settlement.
Kathirampatti branch overview
Located at PANCHAYAT OFFICE BUILDING NEAR KATHIRAMPATTI POST OFFICE, KATHIRAMPATTI, ERODE DISTRICT, the Kathirampatti branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC KVBL0001861 is required for all interbank electronic transfers routed through this branch.
Branch details at a glance
| Bank Name | Karur Vysya Bank |
|---|---|
| Branch | Kathirampatti |
| IFSC Code | KVBL0001861 |
| MICR Code | Refer to cheque leaf |
| Branch Address | PANCHAYAT OFFICE BUILDING NEAR KATHIRAMPATTI POST OFFICE, KATHIRAMPATTI, ERODE DISTRICT |
| City | Erode |
| District | Erode |
| State | Tamil Nadu |
| STD Code | 22 |
| Phone | 22654261 |
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 KATHIRAMPATTI branch came to be assigned the code KVBL0001861.
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 KVBL0001861, money simply cannot be routed to the KATHIRAMPATTI branch electronically.
MICR & cheque-truncation details
Cheques drawn on the Kathirampatti branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC KVBL0001861 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
How to transfer money using IFSC KVBL0001861
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 KVBL0001861 across all three.
How to use IFSC KVBL0001861 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Karur Vysya Bank's KATHIRAMPATTI 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC KVBL0001861.
- Confirm the bank name auto-populates as Karur Vysya Bank and the branch as KATHIRAMPATTI.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC KVBL0001861
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 – KATHIRAMPATTI, ensure your bank's portal accepts IFSC KVBL0001861 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Karur Vysya Bank KATHIRAMPATTI (IFSC KVBL0001861)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KVBL0001861 in your mobile or internet banking app, and the money is credited to the KATHIRAMPATTI branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC KVBL0001861 for Karur Vysya Bank – KATHIRAMPATTI, 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – KVBL0001861 | Yes – KVBL0001861 | Yes – KVBL0001861 |
For most retail customers crediting the Kathirampatti 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 KVBL0001861
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 – KATHIRAMPATTI is still mapped to IFSC KVBL0001861. 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 KVBL0001861 and the beneficiary's account number to complete the transfer.
Account types you can open at the Kathirampatti branch
Once you have an account at Karur Vysya Bank – KATHIRAMPATTI, the IFSC KVBL0001861 stays the same regardless of the type of account you hold. The branch typically supports the following options:
- Savings account — for individuals, with chequebook, ATM card and net-banking access.
- Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
- Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
- NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
- Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
- Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
- Minor and student accounts — operated jointly with a guardian until the customer turns 18.
Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.
Banking services available
The Kathirampatti 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 KVBL0001861
Digital banking channels
Most day-to-day work that customers used to do at the Kathirampatti 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 KVBL0001861 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.
Reaching the branch
The Kathirampatti branch sits at PANCHAYAT OFFICE BUILDING NEAR KATHIRAMPATTI POST OFFICE, KATHIRAMPATTI, ERODE DISTRICT. If you are travelling from outside Erode, 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 KVBL0001861 and your account number.
Common mistakes to avoid when using IFSC KVBL0001861
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 – KATHIRAMPATTI, 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:
KVBL0001861. - 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.
Branch banking hours and holidays
Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Kathirampatti branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KVBL0001861, however, work 24x7.
Verifying IFSC KVBL0001861 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 KVBL0001861 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.
Branch address & contact
Karur Vysya BankKathirampatti Branch
PANCHAYAT OFFICE BUILDING NEAR KATHIRAMPATTI POST OFFICE, KATHIRAMPATTI, ERODE DISTRICT
Erode, Tamil Nadu
Phone: 22-22654261
IFSC: KVBL0001861
Frequently asked questions
Is IFSC KVBL0001861 valid for NEFT and RTGS?
Yes. IFSC KVBL0001861 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Kathirampatti branch but serve different purposes.
Where is Karur Vysya Bank Kathirampatti branch located?
Karur Vysya Bank's Kathirampatti branch is located at PANCHAYAT OFFICE BUILDING NEAR KATHIRAMPATTI POST OFFICE, KATHIRAMPATTI, ERODE DISTRICT, Erode, Tamil Nadu.
Does Karur Vysya Bank Kathirampatti branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 22-22654261 to confirm.
How do I add Karur Vysya Bank Kathirampatti as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC KVBL0001861, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC KVBL0001861 the same for all accounts at Kathirampatti branch?
Yes. The IFSC KVBL0001861 is shared by every account held at Karur Vysya Bank's Kathirampatti branch. Only the account number changes from customer to customer.
Summary
The IFSC code KVBL0001861 belongs to Karur Vysya Bank's KATHIRAMPATTI branch, located at PANCHAYAT OFFICE BUILDING NEAR KATHIRAMPATTI POST OFFICE, KATHIRAMPATTI, ERODE… in ERODE, TAMIL NADU. 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.
