IFSC Code of Karur Vysya Bank, Vijayawadabenz Circle Branch, Andhra Pradesh

Below are the complete branch details for Karur Vysya Bank, VIJAYAWADABENZ CIRCLE branch, located in VIJAYAWADA, ANDHRA PRADESH. The IFSC assigned by the Reserve Bank of India to this branch is KVBL0004868. 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 KVBL0004868 for Karur Vysya Bank – VIJAYAWADABENZ CIRCLE — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 – VIJAYAWADABENZ CIRCLE is KVBL0004868. The first four letters KVBL are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 004868 map to this branch in VIJAYAWADA, ANDHRA PRADESH.

About the bank

Karur Vysya Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Vijayawadabenz Circle branch in Vijayawada, Andhra Pradesh is part of this network and uses the IFSC code KVBL0004868 for all electronic settlement.

Branch details at a glance

About the Vijayawadabenz Circle branch

The Vijayawadabenz Circle branch of Karur Vysya Bank is situated at DNO40999 RAMA KRUPA COMPLEX SAINAGAR KRISHNA DISTRICT VIJAYAWADA. 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 KVBL0004868 is used.

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 VIJAYAWADABENZ CIRCLE of Karur Vysya Bank — its own 11-character IFSC. The code KVBL0004868 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 KVBL0004868 the same way you would treat your account number — verify it once and save it carefully for future use.

Account types you can open at the Vijayawadabenz Circle branch

Once you have an account at Karur Vysya Bank – VIJAYAWADABENZ CIRCLE, the IFSC KVBL0004868 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 Vijayawadabenz Circle 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 KVBL0004868

How to transfer money using IFSC KVBL0004868

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 KVBL0004868 across all three.

NEFT to Karur Vysya Bank, VIJAYAWADABENZ CIRCLE using IFSC KVBL0004868

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 KVBL0004868, and confirm that the system picks up Karur Vysya Bank – VIJAYAWADABENZ CIRCLE. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to VIJAYAWADABENZ CIRCLE

If you need to transfer ₹2 lakh or more in one go to an account at Karur Vysya Bank's VIJAYAWADABENZ CIRCLE branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KVBL0004868 while initiating the transfer and the credit will appear within minutes.

IMPS to Karur Vysya Bank VIJAYAWADABENZ CIRCLE (IFSC KVBL0004868)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KVBL0004868 in your mobile or internet banking app, and the money is credited to the VIJAYAWADABENZ CIRCLE branch account within seconds.

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

All three modes accept the IFSC KVBL0004868 for Karur Vysya Bank – VIJAYAWADABENZ CIRCLE, 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 Vijayawadabenz Circle 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 VIJAYAWADABENZ CIRCLE branch, the IFSC KVBL0004868 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.

Digital banking channels

Most day-to-day work that customers used to do at the Vijayawadabenz Circle 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 KVBL0004868 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.

MICR & cheque-truncation details

Cheques drawn on the Vijayawadabenz Circle branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC KVBL0004868 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Common mistakes to avoid when using IFSC KVBL0004868

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 – VIJAYAWADABENZ CIRCLE, 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: KVBL0004868.
• 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.

Reaching the branch

The Vijayawadabenz Circle branch sits at DNO40999 RAMA KRUPA COMPLEX SAINAGAR KRISHNA DISTRICT VIJAYAWADA. If you are travelling from outside Vijayawada, search for the branch on a maps application using the bank name and locality, or call 22-22654261 to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC KVBL0004868 and your account number.

Verifying IFSC KVBL0004868 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 KVBL0004868 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 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 Vijayawadabenz Circle branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KVBL0004868, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: KVBL0004868 is the IFSC code of Karur Vysya Bank, VIJAYAWADABENZ CIRCLE branch, in VIJAYAWADA, ANDHRA PRADESH. 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.