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

If you are searching for the IFSC code of Karur Vysya Bank, GUNTURGUJJANAGUNDLA branch in GUNTUR, ANDHRA PRADESH, this page has every detail you need. The verified IFSC code for this branch is KVBL0004856. 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 GUNTURGUJJANAGUNDLA branch, and detailed step-by-step guides for using the IFSC KVBL0004856 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 GUNTURGUJJANAGUNDLA branch, the IFSC KVBL0004856 breaks down as follows: KVBL identifies the bank, 0 is the reserved character, and 004856 identifies this particular branch.

About Karur Vysya Bank

Karur Vysya Bank operates a wide network of branches across India, including the Gunturgujjanagundla branch in Guntur. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, KVBL0004856.

Branch details at a glance

Gunturgujjanagundla branch overview

Located at DNOB62SRINIVASA NAGAR COLONY MAIN ROADGUJJANAGUNDLA GUNTUR, the Gunturgujjanagundla branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC KVBL0004856 is required for all interbank electronic transfers routed through this branch.

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 GUNTURGUJJANAGUNDLA branch came to be assigned the code KVBL0004856.

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 KVBL0004856, money simply cannot be routed to the GUNTURGUJJANAGUNDLA branch electronically.

Products and account variants supported

Every account opened at the Gunturgujjanagundla branch is mapped to IFSC KVBL0004856 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 KVBL0004856.

Products and services

Customers walking into the Gunturgujjanagundla 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 KVBL0004856

How to transfer money using IFSC KVBL0004856

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 KVBL0004856 across all three.

NEFT to Karur Vysya Bank, GUNTURGUJJANAGUNDLA using IFSC KVBL0004856

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 KVBL0004856, and confirm that the system picks up Karur Vysya Bank – GUNTURGUJJANAGUNDLA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to GUNTURGUJJANAGUNDLA

If you need to transfer ₹2 lakh or more in one go to an account at Karur Vysya Bank's GUNTURGUJJANAGUNDLA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KVBL0004856 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 – GUNTURGUJJANAGUNDLA, use IMPS. With IFSC KVBL0004856 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 KVBL0004856 for Karur Vysya Bank – GUNTURGUJJANAGUNDLA, 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 Gunturgujjanagundla 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.

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 GUNTURGUJJANAGUNDLA branch, the IFSC KVBL0004856 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 Gunturgujjanagundla 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 KVBL0004856 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 KVBL0004856 and the account number together uniquely identify the Gunturgujjanagundla branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – GUNTURGUJJANAGUNDLA:

• The IFSC is exactly KVBL0004856 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 GUNTURGUJJANAGUNDLA 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.

How to reach the Gunturgujjanagundla branch

The branch is located at DNOB62SRINIVASA NAGAR COLONY MAIN ROADGUJJANAGUNDLA GUNTUR, which puts it inside Guntur, the broader Guntur district, and the state of Andhra Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “Karur Vysya Bank Gunturgujjanagundla branch” — the verified location pin for IFSC KVBL0004856 should appear at the top of the results.
2. Confirm the branch is open by calling 22-22654261 before stepping out, especially around public holidays.
3. Carry photo ID and any account-related documents you may need for the transaction you plan to do.

Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC KVBL0004856 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC KVBL0004856 for Karur Vysya Bank – GUNTURGUJJANAGUNDLA, 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 Gunturgujjanagundla 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 KVBL0004856 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code KVBL0004856 belongs to Karur Vysya Bank's GUNTURGUJJANAGUNDLA branch, located at DNOB62SRINIVASA NAGAR COLONY MAIN ROADGUJJANAGUNDLA GUNTUR in GUNTUR, 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.