IFSC Code of Karur Vysya Bank, Unjha Branch, Gujarat

Below are the complete branch details for Karur Vysya Bank, UNJHA branch, located in MEHSANA DISTRICT, GUJARAT. The IFSC assigned by the Reserve Bank of India to this branch is KVBL0002205. 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 KVBL0002205 for Karur Vysya Bank – UNJHA — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, KVBL0002205 is the IFSC of Karur Vysya Bank's UNJHA branch. The format is fixed: KVBL = bank code, 0 = reserved, 002205 = branch identifier.

About the bank

Karur Vysya Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Unjha branch in Mehsana District, Gujarat is part of this network and uses the IFSC code KVBL0002205 for all electronic settlement.

About the Unjha branch

The Unjha branch of Karur Vysya Bank is situated at J.P.COMPLEX, BELOW SUVIDHA HOSPITAL UNJHA. 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 KVBL0002205 is used.

Branch details at a glance

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 UNJHA of Karur Vysya Bank — its own 11-character IFSC. The code KVBL0002205 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 KVBL0002205 the same way you would treat your account number — verify it once and save it carefully for future use.

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 KVBL0002205 and the account number together uniquely identify the Unjha branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC KVBL0002205

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 KVBL0002205 across all three.

How to use IFSC KVBL0002205 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Karur Vysya Bank's UNJHA 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 KVBL0002205.
4. Confirm the bank name auto-populates as Karur Vysya Bank and the branch as UNJHA.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to UNJHA

If you need to transfer ₹2 lakh or more in one go to an account at Karur Vysya Bank's UNJHA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KVBL0002205 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 – UNJHA, use IMPS. With IFSC KVBL0002205 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Unjha

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 KVBL0002205:

• 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 UNJHA is still linked to IFSC KVBL0002205.

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.

UPI payments and IFSC KVBL0002205

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 – UNJHA is still mapped to IFSC KVBL0002205. 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 KVBL0002205 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Unjha branch is mapped to IFSC KVBL0002205 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 KVBL0002205.

Products and services

Customers walking into the Unjha 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 KVBL0002205

Online banking and IFSC KVBL0002205

Karur Vysya Bank customers can register for net banking and the bank's official mobile app once their account at the UNJHA 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 KVBL0002205 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.

How to reach the Unjha branch

The branch is located at J.P.COMPLEX, BELOW SUVIDHA HOSPITAL UNJHA, which puts it inside Mehsana District, the broader Mehsana District district, and the state of Gujarat. To plan your visit:

1. Open Google Maps on your phone and search for “Karur Vysya Bank Unjha branch” — the verified location pin for IFSC KVBL0002205 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 KVBL0002205 and your account number.

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 – UNJHA:

• The IFSC is exactly KVBL0002205 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 UNJHA 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.

Working hours

Branch counters at Unjha 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 KVBL0002205 continue to work without interruption.

Verifying IFSC KVBL0002205 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 KVBL0002205 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

Frequently asked questions

Final notes

To recap: KVBL0002205 is the IFSC code of Karur Vysya Bank, UNJHA branch, in MEHSANA DISTRICT, GUJARAT. 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.