IFSC Code of Karur Vysya Bank, Kotagiri Branch, Tamil Nadu

If you are searching for the IFSC code of Karur Vysya Bank, KOTAGIRI branch in NILGIRIS, TAMIL NADU, this page has every detail you need. The verified IFSC code for this branch is KVBL0001850. 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 KOTAGIRI branch, and detailed step-by-step guides for using the IFSC KVBL0001850 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 KOTAGIRI branch, the IFSC KVBL0001850 breaks down as follows: KVBL identifies the bank, 0 is the reserved character, and 001850 identifies this particular branch.

About Karur Vysya Bank

Karur Vysya Bank operates a wide network of branches across India, including the Kotagiri branch in Nilgiris. 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, KVBL0001850.

About this branch

The branch is located at OLD NO. 1381, NEW NO 1027/14, COONOOR ROAD, NEAR BUS STAND, KOTAGIRI-643217 NILGIRIS DISTRICT. It serves the Nilgiris 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 KVBL0001850 is used to identify this branch on the RBI payments network.

Branch details at a glance

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 KOTAGIRI branch came to be assigned the code KVBL0001850.

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 KVBL0001850, money simply cannot be routed to the KOTAGIRI branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Kotagiri branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC KVBL0001850 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 KVBL0001850

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 KVBL0001850 across all three.

NEFT to Karur Vysya Bank, KOTAGIRI using IFSC KVBL0001850

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 KVBL0001850, and confirm that the system picks up Karur Vysya Bank – KOTAGIRI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to KOTAGIRI

If you need to transfer ₹2 lakh or more in one go to an account at Karur Vysya Bank's KOTAGIRI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KVBL0001850 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 – KOTAGIRI, use IMPS. With IFSC KVBL0001850 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 Kotagiri

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 KVBL0001850:

• 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 KOTAGIRI is still linked to IFSC KVBL0001850.

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 KOTAGIRI branch, the IFSC KVBL0001850 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.

Account types you can open at the Kotagiri branch

Once you have an account at Karur Vysya Bank – KOTAGIRI, the IFSC KVBL0001850 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 Kotagiri 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 KVBL0001850

Online banking and IFSC KVBL0001850

Karur Vysya Bank customers can register for net banking and the bank's official mobile app once their account at the KOTAGIRI 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 KVBL0001850 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 Kotagiri branch

The branch is located at OLD NO. 1381, NEW NO 1027/14, COONOOR ROAD, NEAR BUS STAND, KOTAGIRI-643217 NILGIRIS DISTRICT, which puts it inside Nilgiris, the broader Nilgiris district, and the state of Tamil Nadu. To plan your visit:

1. Open Google Maps on your phone and search for “Karur Vysya Bank Kotagiri branch” — the verified location pin for IFSC KVBL0001850 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 KVBL0001850 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 – KOTAGIRI:

• The IFSC is exactly KVBL0001850 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 KOTAGIRI 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 Kotagiri 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 KVBL0001850 continue to work without interruption.

Verifying IFSC KVBL0001850 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 KVBL0001850 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: KVBL0001850 is the IFSC code of Karur Vysya Bank, KOTAGIRI branch, in NILGIRIS, TAMIL NADU. 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.