IFSC Code of Karur Vysya Bank, Vizagmadhurawada Branch, Andhra Pradesh

If you are searching for the IFSC code of Karur Vysya Bank, VIZAGMADHURAWADA branch in VISAKHAPATNAM, ANDHRA PRADESH, this page has every detail you need. The verified IFSC code for this branch is KVBL0004850. 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 VIZAGMADHURAWADA branch, and detailed step-by-step guides for using the IFSC KVBL0004850 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.

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 – VIZAGMADHURAWADA is KVBL0004850. The first four letters KVBL are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 004850 map to this branch in VISAKHAPATNAM, ANDHRA PRADESH.

About Karur Vysya Bank

Karur Vysya Bank operates a wide network of branches across India, including the Vizagmadhurawada branch in Visakhapatnam. 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, KVBL0004850.

About this branch

The branch is located at PLOT NOHIG 128 VUDA COLONY MADHURAWADA. It serves the Visakhapatnam 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 KVBL0004850 is used to identify this branch on the RBI payments network.

Branch details at a glance

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 VIZAGMADHURAWADA of Karur Vysya Bank — its own 11-character IFSC. The code KVBL0004850 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 KVBL0004850 the same way you would treat your account number — verify it once and save it carefully for future use.

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 KVBL0004850 and the account number together uniquely identify the Vizagmadhurawada branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC KVBL0004850

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 KVBL0004850 across all three.

NEFT to Karur Vysya Bank, VIZAGMADHURAWADA using IFSC KVBL0004850

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 KVBL0004850, and confirm that the system picks up Karur Vysya Bank – VIZAGMADHURAWADA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC KVBL0004850

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 – VIZAGMADHURAWADA, ensure your bank's portal accepts IFSC KVBL0004850 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Karur Vysya Bank – VIZAGMADHURAWADA, use IMPS. With IFSC KVBL0004850 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 Vizagmadhurawada

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 KVBL0004850:

• 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 VIZAGMADHURAWADA is still linked to IFSC KVBL0004850.

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 VIZAGMADHURAWADA branch, the IFSC KVBL0004850 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 Vizagmadhurawada branch

Once you have an account at Karur Vysya Bank – VIZAGMADHURAWADA, the IFSC KVBL0004850 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.

Products and services

Customers walking into the Vizagmadhurawada 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 KVBL0004850

Digital banking channels

Most day-to-day work that customers used to do at the Vizagmadhurawada 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 KVBL0004850 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 Vizagmadhurawada branch

The branch is located at PLOT NOHIG 128 VUDA COLONY MADHURAWADA, which puts it inside Visakhapatnam, the broader Visakhapatnam district, and the state of Andhra Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “Karur Vysya Bank Vizagmadhurawada branch” — the verified location pin for IFSC KVBL0004850 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 KVBL0004850 and your account number.

Things to verify before sending money

Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to Karur Vysya Bank – VIZAGMADHURAWADA:

• The IFSC is exactly KVBL0004850 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills Karur Vysya Bank as the bank name and VIZAGMADHURAWADA as the branch.
• The amount and the purpose of payment are correct.
• You have a valid OTP-verifying mobile number on hand.

A 30-second review here saves hours of reconciliation later.

Working hours

Branch counters at Vizagmadhurawada 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 KVBL0004850 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC KVBL0004850 for Karur Vysya Bank – VIZAGMADHURAWADA, 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 address & contact

Frequently asked questions

Final notes

To recap: KVBL0004850 is the IFSC code of Karur Vysya Bank, VIZAGMADHURAWADA 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.