IFSC Code of Karur Vysya Bank, Palghat Branch, Kerala

If you are searching for the IFSC code of Karur Vysya Bank, PALGHAT branch in PALGHAT, KERALA, this page has every detail you need. The verified IFSC code for this branch is KVBL0001509. 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 PALGHAT branch, and detailed step-by-step guides for using the IFSC KVBL0001509 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 PALGHAT branch, the IFSC KVBL0001509 breaks down as follows: KVBL identifies the bank, 0 is the reserved character, and 001509 identifies this particular branch.

Branch details at a glance

Bank profile

Karur Vysya Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Palghat branch — IFSC KVBL0001509 — extends the bank's services to customers in and around Palghat, Kerala.

About this branch

The branch is located at KRISHNA TOWERS 10/259, (9) VELLAN STREET SULTANPET. It serves the Palghat 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 KVBL0001509 is used to identify this branch on the RBI payments network.

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 PALGHAT branch came to be assigned the code KVBL0001509.

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 KVBL0001509, money simply cannot be routed to the PALGHAT branch electronically.

How to transfer money using IFSC KVBL0001509

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 KVBL0001509 across all three.

NEFT to Karur Vysya Bank, PALGHAT using IFSC KVBL0001509

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 KVBL0001509, and confirm that the system picks up Karur Vysya Bank – PALGHAT. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC KVBL0001509

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 – PALGHAT, ensure your bank's portal accepts IFSC KVBL0001509 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Karur Vysya Bank – PALGHAT, use IMPS. With IFSC KVBL0001509 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 Palghat

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 KVBL0001509:

• 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 PALGHAT is still linked to IFSC KVBL0001509.

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 PALGHAT branch, the IFSC KVBL0001509 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.

Products and account variants supported

Every account opened at the Palghat branch is mapped to IFSC KVBL0001509 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 KVBL0001509.

Products and services

Customers walking into the Palghat 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 KVBL0001509

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 KVBL0001509 and the account number together uniquely identify the Palghat branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC KVBL0001509

Karur Vysya Bank customers can register for net banking and the bank's official mobile app once their account at the PALGHAT 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 KVBL0001509 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.

Common mistakes to avoid when using IFSC KVBL0001509

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 – PALGHAT, 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: KVBL0001509.
• 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.

How to reach the Palghat branch

The branch is located at KRISHNA TOWERS 10/259, (9) VELLAN STREET SULTANPET, which puts it inside Palghat, the broader Palghat district, and the state of Kerala. To plan your visit:

1. Open Google Maps on your phone and search for “Karur Vysya Bank Palghat branch” — the verified location pin for IFSC KVBL0001509 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 KVBL0001509 and your account number.

Verifying IFSC KVBL0001509 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 KVBL0001509 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.

Working hours

Branch counters at Palghat 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 KVBL0001509 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code KVBL0001509 belongs to Karur Vysya Bank's PALGHAT branch, located at KRISHNA TOWERS 10/259, (9) VELLAN STREET SULTANPET in PALGHAT, KERALA. 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.