This page lists the IFSC code, branch address, contact number and fund-transfer information for Karur Vysya Bank, VISAKHAPATNAM MAIN branch in VISAKHAPATNAM. The 11-digit IFSC KVBL0001432 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 VISAKHAPATNAM MAIN 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.
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 – VISAKHAPATNAM MAIN is KVBL0001432. The first four letters KVBL are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001432 map to this branch in VISAKHAPATNAM, ANDHRA PRADESH.
Branch details at a glance
| Bank Name | Karur Vysya Bank |
|---|---|
| Branch | Visakhapatnam Main |
| IFSC Code | KVBL0001432 |
| MICR Code | Refer to cheque leaf |
| Branch Address | D.NO.30-10-1 PIDAPARTHIVARI STREET DABA GARDENS |
| City | Visakhapatnam |
| District | Visakhapatnam |
| State | Andhra Pradesh |
| STD Code | 22 |
| Phone | 22654261 |
About the bank
Karur Vysya Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Visakhapatnam Main branch in Visakhapatnam, Andhra Pradesh is part of this network and uses the IFSC code KVBL0001432 for all electronic settlement.
About the Visakhapatnam Main branch
The Visakhapatnam Main branch of Karur Vysya Bank is situated at D.NO.30-10-1 PIDAPARTHIVARI STREET DABA GARDENS. 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 KVBL0001432 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 VISAKHAPATNAM MAIN of Karur Vysya Bank — its own 11-character IFSC. The code KVBL0001432 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 KVBL0001432 the same way you would treat your account number — verify it once and save it carefully for future use.
How to transfer money using IFSC KVBL0001432
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 KVBL0001432 across all three.
NEFT to Karur Vysya Bank, VISAKHAPATNAM MAIN using IFSC KVBL0001432
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 KVBL0001432, and confirm that the system picks up Karur Vysya Bank – VISAKHAPATNAM MAIN. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC KVBL0001432
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 – VISAKHAPATNAM MAIN, ensure your bank's portal accepts IFSC KVBL0001432 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Karur Vysya Bank – VISAKHAPATNAM MAIN, use IMPS. With IFSC KVBL0001432 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC KVBL0001432 for Karur Vysya Bank – VISAKHAPATNAM MAIN, 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – KVBL0001432 | Yes – KVBL0001432 | Yes – KVBL0001432 |
For most retail customers crediting the Visakhapatnam Main 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.
UPI payments and IFSC KVBL0001432
UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at Karur Vysya Bank – VISAKHAPATNAM MAIN is still mapped to IFSC KVBL0001432. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.
If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC KVBL0001432 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Visakhapatnam Main branch is mapped to IFSC KVBL0001432 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 KVBL0001432.
Products and services
Customers walking into the Visakhapatnam Main 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 KVBL0001432
MICR & cheque-truncation details
Cheques drawn on the Visakhapatnam Main branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC KVBL0001432 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Online banking and IFSC KVBL0001432
Karur Vysya Bank customers can register for net banking and the bank's official mobile app once their account at the VISAKHAPATNAM MAIN 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 KVBL0001432 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 KVBL0001432
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 – VISAKHAPATNAM MAIN, 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:
KVBL0001432. - 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 Visakhapatnam Main branch sits at D.NO.30-10-1 PIDAPARTHIVARI STREET DABA GARDENS. If you are travelling from outside Visakhapatnam, 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 KVBL0001432 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC KVBL0001432 for Karur Vysya Bank – VISAKHAPATNAM MAIN, you can cross-check the code from any of these sources before initiating a high-value transfer:
- The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
- The first page of your passbook.
- The bank's official website under the branch locator.
- The Reserve Bank of India's IFSC search portal.
- Net banking dashboards usually display the home-branch IFSC under account details.
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 Visakhapatnam Main branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KVBL0001432, however, work 24x7.
Branch address & contact
Karur Vysya BankVisakhapatnam Main Branch
D.NO.30-10-1 PIDAPARTHIVARI STREET DABA GARDENS
Visakhapatnam, Andhra Pradesh
Phone: 22-22654261
IFSC: KVBL0001432
Frequently asked questions
Can I use IFSC KVBL0001432 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC KVBL0001432 to send funds instantly.
How quickly will an NEFT transfer using KVBL0001432 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Karur Vysya Bank – Visakhapatnam Main reflect within 30 minutes.
Is IFSC KVBL0001432 valid for NEFT and RTGS?
Yes. IFSC KVBL0001432 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the phone number of Karur Vysya Bank Visakhapatnam Main branch?
You can reach the branch at 22-22654261 during regular banking hours.
Is IFSC KVBL0001432 the same for all accounts at Visakhapatnam Main branch?
Yes. The IFSC KVBL0001432 is shared by every account held at Karur Vysya Bank's Visakhapatnam Main branch. Only the account number changes from customer to customer.
How do I add Karur Vysya Bank Visakhapatnam Main as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC KVBL0001432, and complete OTP verification. Once activated, you can transfer funds at any time.
Does Karur Vysya Bank Visakhapatnam Main branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 22-22654261 to confirm.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Visakhapatnam Main branch but serve different purposes.
Final notes
To recap: KVBL0001432 is the IFSC code of Karur Vysya Bank, VISAKHAPATNAM MAIN branch, in VISAKHAPATNAM, 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.
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