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

Use this page as a one-stop reference for everything related to Karur Vysya Bank's RAMANATHAPURAM branch in RAMANATHAPURAM, TAMIL NADU. The branch's IFSC code KVBL0001185 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.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for Karur Vysya Bank – RAMANATHAPURAM is KVBL0001185. The first four letters KVBL are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001185 map to this branch in RAMANATHAPURAM, TAMIL NADU.

About the bank

Karur Vysya Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Ramanathapuram branch in Ramanathapuram, Tamil Nadu is part of this network and uses the IFSC code KVBL0001185 for all electronic settlement.

Ramanathapuram branch overview

Located at ST.ROSSARY CHURCH COMPLEX SALAI STREET RAMANATHAPURAM DIST, the Ramanathapuram branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC KVBL0001185 is required for all interbank electronic transfers routed through this branch.

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 RAMANATHAPURAM branch came to be assigned the code KVBL0001185.

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 KVBL0001185, money simply cannot be routed to the RAMANATHAPURAM branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Ramanathapuram branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC KVBL0001185 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 KVBL0001185

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 KVBL0001185 across all three.

NEFT to Karur Vysya Bank, RAMANATHAPURAM using IFSC KVBL0001185

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 KVBL0001185, and confirm that the system picks up Karur Vysya Bank – RAMANATHAPURAM. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to RAMANATHAPURAM

If you need to transfer ₹2 lakh or more in one go to an account at Karur Vysya Bank's RAMANATHAPURAM branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KVBL0001185 while initiating the transfer and the credit will appear within minutes.

IMPS to Karur Vysya Bank RAMANATHAPURAM (IFSC KVBL0001185)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KVBL0001185 in your mobile or internet banking app, and the money is credited to the RAMANATHAPURAM branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC KVBL0001185 for Karur Vysya Bank – RAMANATHAPURAM, 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.

For most retail customers crediting the Ramanathapuram 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.

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 RAMANATHAPURAM branch, the IFSC KVBL0001185 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 Ramanathapuram branch

Once you have an account at Karur Vysya Bank – RAMANATHAPURAM, the IFSC KVBL0001185 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.

Banking services available

The Ramanathapuram branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 22-22654261.

• Savings, current and salary accounts
• Fixed deposits and recurring deposits
• Personal, vehicle and home loans
• Demat and investment products (where supported)
• Internet banking and mobile banking enrolment
• Debit and credit card issuance
• Locker facilities (subject to availability)
• Foreign exchange services (at authorised branches)
• Bill payments, demand drafts and pay orders
• NEFT / RTGS / IMPS / UPI fund transfers using IFSC KVBL0001185

Digital banking channels

Most day-to-day work that customers used to do at the Ramanathapuram 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 KVBL0001185 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.

How to reach the Ramanathapuram branch

The branch is located at ST.ROSSARY CHURCH COMPLEX SALAI STREET RAMANATHAPURAM DIST, which puts it inside Ramanathapuram, the broader Ramanathapuram district, and the state of Tamil Nadu. To plan your visit:

1. Open Google Maps on your phone and search for “Karur Vysya Bank Ramanathapuram branch” — the verified location pin for IFSC KVBL0001185 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 KVBL0001185 and your account number.

Common mistakes to avoid when using IFSC KVBL0001185

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 – RAMANATHAPURAM, 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: KVBL0001185.
• 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.

Branch banking hours and holidays

Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Ramanathapuram branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KVBL0001185, however, work 24x7.

Verifying IFSC KVBL0001185 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 KVBL0001185 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: KVBL0001185 is the IFSC code of Karur Vysya Bank, RAMANATHAPURAM branch, in RAMANATHAPURAM, 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.