IFSC Code of Karur Vysya Bank, Business Banking Unit Salem Branch, Tamil Nadu

This page lists the IFSC code, branch address, contact number and fund-transfer information for Karur Vysya Bank, BUSINESS BANKING UNIT SALEM branch in SALEM. The 11-digit IFSC KVBL0001897 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Karur Vysya Bank at the BUSINESS BANKING UNIT SALEM location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.

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, KVBL0001897 is the IFSC of Karur Vysya Bank's BUSINESS BANKING UNIT SALEM branch. The format is fixed: KVBL = bank code, 0 = reserved, 001897 = branch identifier.

About Karur Vysya Bank

Karur Vysya Bank operates a wide network of branches across India, including the Business Banking Unit Salem branch in Salem. 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, KVBL0001897.

Business Banking Unit Salem branch overview

Located at I FLOOR 269 A BHARATHI STREET SWARNAPURI ALAGAPURAM SALEM 636004, the Business Banking Unit Salem branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC KVBL0001897 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 BUSINESS BANKING UNIT SALEM branch came to be assigned the code KVBL0001897.

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 KVBL0001897, money simply cannot be routed to the BUSINESS BANKING UNIT SALEM branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Business Banking Unit Salem branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC KVBL0001897 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 KVBL0001897

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 KVBL0001897 across all three.

How to use IFSC KVBL0001897 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Karur Vysya Bank's BUSINESS BANKING UNIT SALEM 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 KVBL0001897.
4. Confirm the bank name auto-populates as Karur Vysya Bank and the branch as BUSINESS BANKING UNIT SALEM.
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 BUSINESS BANKING UNIT SALEM

If you need to transfer ₹2 lakh or more in one go to an account at Karur Vysya Bank's BUSINESS BANKING UNIT SALEM branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KVBL0001897 while initiating the transfer and the credit will appear within minutes.

IMPS to Karur Vysya Bank BUSINESS BANKING UNIT SALEM (IFSC KVBL0001897)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KVBL0001897 in your mobile or internet banking app, and the money is credited to the BUSINESS BANKING UNIT SALEM branch account within seconds.

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

All three modes accept the IFSC KVBL0001897 for Karur Vysya Bank – BUSINESS BANKING UNIT SALEM, 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 Business Banking Unit Salem 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 BUSINESS BANKING UNIT SALEM branch, the IFSC KVBL0001897 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 Business Banking Unit Salem branch is mapped to IFSC KVBL0001897 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 KVBL0001897.

Banking services available

The Business Banking Unit Salem branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 22-24398197.

• 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 KVBL0001897

Online banking and IFSC KVBL0001897

Karur Vysya Bank customers can register for net banking and the bank's official mobile app once their account at the BUSINESS BANKING UNIT SALEM 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 KVBL0001897 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 Business Banking Unit Salem branch

The branch is located at I FLOOR 269 A BHARATHI STREET SWARNAPURI ALAGAPURAM SALEM 636004, which puts it inside Salem, the broader Salem district, and the state of Tamil Nadu. To plan your visit:

1. Open Google Maps on your phone and search for “Karur Vysya Bank Business Banking Unit Salem branch” — the verified location pin for IFSC KVBL0001897 should appear at the top of the results.
2. Confirm the branch is open by calling 22-24398197 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 KVBL0001897 and your account number.

Common mistakes to avoid when using IFSC KVBL0001897

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 – BUSINESS BANKING UNIT SALEM, 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: KVBL0001897.
• 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 Business Banking Unit Salem branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KVBL0001897, however, work 24x7.

Verifying IFSC KVBL0001897 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 KVBL0001897 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 22-24398197.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Final notes

To recap: KVBL0001897 is the IFSC code of Karur Vysya Bank, BUSINESS BANKING UNIT SALEM branch, in SALEM, 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.