Below are the complete branch details for Karur Vysya Bank, CHORAGUDI branch, located in KRISHNA, ANDHRA PRADESH. The IFSC assigned by the Reserve Bank of India to this branch is KVBL0004884. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.
The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case KVBL0004884 for Karur Vysya Bank – CHORAGUDI — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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 CHORAGUDI branch, the IFSC KVBL0004884 breaks down as follows: KVBL identifies the bank, 0 is the reserved character, and 004884 identifies this particular branch.
About the bank
Karur Vysya Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Choragudi branch in Krishna, Andhra Pradesh is part of this network and uses the IFSC code KVBL0004884 for all electronic settlement.
About this branch
The branch is located at SY NO922B DNO481 MAIN ROAD CHORAGUDI VILLAGE PAMIDIMUKKALA MANDAL CHORAGUDI. It serves the Krishna 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 KVBL0004884 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | Karur Vysya Bank |
|---|---|
| Branch | Choragudi |
| IFSC Code | KVBL0004884 |
| MICR Code | Refer to cheque leaf |
| Branch Address | SY NO922B DNO481 MAIN ROAD CHORAGUDI VILLAGE PAMIDIMUKKALA MANDAL CHORAGUDI |
| City | Krishna |
| District | Krishna |
| State | Andhra Pradesh |
| 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 CHORAGUDI branch came to be assigned the code KVBL0004884.
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 KVBL0004884, money simply cannot be routed to the CHORAGUDI branch electronically.
MICR & cheque-truncation details
Cheques drawn on the Choragudi branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC KVBL0004884 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 KVBL0004884
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 KVBL0004884 across all three.
NEFT to Karur Vysya Bank, CHORAGUDI using IFSC KVBL0004884
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 KVBL0004884, and confirm that the system picks up Karur Vysya Bank – CHORAGUDI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to CHORAGUDI
If you need to transfer ₹2 lakh or more in one go to an account at Karur Vysya Bank's CHORAGUDI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KVBL0004884 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 – CHORAGUDI, use IMPS. With IFSC KVBL0004884 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 KVBL0004884 for Karur Vysya Bank – CHORAGUDI, 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 – KVBL0004884 | Yes – KVBL0004884 | Yes – KVBL0004884 |
For most retail customers crediting the Choragudi 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 KVBL0004884
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 – CHORAGUDI is still mapped to IFSC KVBL0004884. 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 KVBL0004884 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Choragudi branch is mapped to IFSC KVBL0004884 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 KVBL0004884.
Products and services
Customers walking into the Choragudi 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 KVBL0004884
Online banking and IFSC KVBL0004884
Karur Vysya Bank customers can register for net banking and the bank's official mobile app once their account at the CHORAGUDI branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC KVBL0004884 is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.
Reaching the branch
The Choragudi branch sits at SY NO922B DNO481 MAIN ROAD CHORAGUDI VILLAGE PAMIDIMUKKALA MANDAL CHORAGUDI. If you are travelling from outside Krishna, 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 KVBL0004884 and your account number.
Common mistakes to avoid when using IFSC KVBL0004884
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 – CHORAGUDI, 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:
KVBL0004884. - 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.
Working hours
Branch counters at Choragudi 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 KVBL0004884 continue to work without interruption.
Verifying IFSC KVBL0004884 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 KVBL0004884 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 BankChoragudi Branch
SY NO922B DNO481 MAIN ROAD CHORAGUDI VILLAGE PAMIDIMUKKALA MANDAL CHORAGUDI
Krishna, Andhra Pradesh
Phone: 22-22654261
IFSC: KVBL0004884
Frequently asked questions
What is the IFSC code of Karur Vysya Bank Choragudi branch?
The IFSC code of Karur Vysya Bank, Choragudi branch is KVBL0004884. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How do I add Karur Vysya Bank Choragudi as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC KVBL0004884, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the phone number of Karur Vysya Bank Choragudi branch?
You can reach the branch at 22-22654261 during regular banking hours.
Is IFSC KVBL0004884 the same for all accounts at Choragudi branch?
Yes. The IFSC KVBL0004884 is shared by every account held at Karur Vysya Bank's Choragudi branch. Only the account number changes from customer to customer.
Where is Karur Vysya Bank Choragudi branch located?
Karur Vysya Bank's Choragudi branch is located at SY NO922B DNO481 MAIN ROAD CHORAGUDI VILLAGE PAMIDIMUKKALA MANDAL CHORAGUDI, Krishna, Andhra Pradesh.
How quickly will an NEFT transfer using KVBL0004884 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Karur Vysya Bank – Choragudi reflect within 30 minutes.
Can I use IFSC KVBL0004884 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC KVBL0004884 to send funds instantly.
Is IFSC KVBL0004884 valid for NEFT and RTGS?
Yes. IFSC KVBL0004884 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Final notes
To recap: KVBL0004884 is the IFSC code of Karur Vysya Bank, CHORAGUDI branch, in KRISHNA, ANDHRA PRADESH. 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.
