IFSC Code of Karur Vysya Bank, Khammam Kaviraj Nagar Branch, Telangana

Use this page as a one-stop reference for everything related to Karur Vysya Bank's KHAMMAM KAVIRAJ NAGAR branch in KHAMMAM, TELANGANA. The branch's IFSC code KVBL0004922 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.

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 KHAMMAM KAVIRAJ NAGAR branch, the IFSC KVBL0004922 breaks down as follows: KVBL identifies the bank, 0 is the reserved character, and 004922 identifies this particular branch.

About Karur Vysya Bank

Karur Vysya Bank operates a wide network of branches across India, including the Khammam Kaviraj Nagar branch in Khammam. 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, KVBL0004922.

Branch details at a glance

About the Khammam Kaviraj Nagar branch

The Khammam Kaviraj Nagar branch of Karur Vysya Bank is situated at SY NO 94,KAVIRAJ NAGAR WARD NO 22,AT KHANAPURAM HAVELI,KHAMMAM WYRA ROAD,KHAMMAM TELANGANA,507002. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code KVBL0004922 is used.

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 KHAMMAM KAVIRAJ NAGAR of Karur Vysya Bank — its own 11-character IFSC. The code KVBL0004922 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 KVBL0004922 the same way you would treat your account number — verify it once and save it carefully for future use.

Account types you can open at the Khammam Kaviraj Nagar branch

Once you have an account at Karur Vysya Bank – KHAMMAM KAVIRAJ NAGAR, the IFSC KVBL0004922 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.

Products and services

Customers walking into the Khammam Kaviraj Nagar 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 KVBL0004922

How to transfer money using IFSC KVBL0004922

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 KVBL0004922 across all three.

NEFT to Karur Vysya Bank, KHAMMAM KAVIRAJ NAGAR using IFSC KVBL0004922

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 KVBL0004922, and confirm that the system picks up Karur Vysya Bank – KHAMMAM KAVIRAJ NAGAR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC KVBL0004922

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 – KHAMMAM KAVIRAJ NAGAR, ensure your bank's portal accepts IFSC KVBL0004922 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Karur Vysya Bank KHAMMAM KAVIRAJ NAGAR (IFSC KVBL0004922)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KVBL0004922 in your mobile or internet banking app, and the money is credited to the KHAMMAM KAVIRAJ NAGAR branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Khammam Kaviraj Nagar

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 KVBL0004922:

• 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 KHAMMAM KAVIRAJ NAGAR is still linked to IFSC KVBL0004922.

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 KHAMMAM KAVIRAJ NAGAR branch, the IFSC KVBL0004922 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 Khammam Kaviraj Nagar 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 KVBL0004922 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 KVBL0004922 and the account number together uniquely identify the Khammam Kaviraj Nagar 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 – KHAMMAM KAVIRAJ NAGAR:

• The IFSC is exactly KVBL0004922 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 KHAMMAM KAVIRAJ NAGAR 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 Khammam Kaviraj Nagar branch

The branch is located at SY NO 94,KAVIRAJ NAGAR WARD NO 22,AT KHANAPURAM HAVELI,KHAMMAM WYRA ROAD,KHAMMAM TELANGANA,507002, which puts it inside Khammam, the broader Khammam district, and the state of Telangana. To plan your visit:

1. Open Google Maps on your phone and search for “Karur Vysya Bank Khammam Kaviraj Nagar branch” — the verified location pin for IFSC KVBL0004922 should appear at the top of the results.
2. Confirm the branch is open by calling 422-2227778 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 KVBL0004922 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC KVBL0004922 for Karur Vysya Bank – KHAMMAM KAVIRAJ NAGAR, 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 Khammam Kaviraj Nagar 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 KVBL0004922 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: KVBL0004922 is the IFSC code of Karur Vysya Bank, KHAMMAM KAVIRAJ NAGAR branch, in KHAMMAM, TELANGANA. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.