IFSC Code of The Karanataka State Cooperative Apex Bank Limited, Bagalkot District Central Coop Bank Branch, Karnataka

Below are the complete branch details for The Karanataka State Cooperative Apex Bank Limited, BAGALKOT DISTRICT CENTRAL COOP BANK branch, located in BAGALKOT, KARNATAKA. The IFSC assigned by the Reserve Bank of India to this branch is KSCB0702001. 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 KSCB0702001 for The Karanataka State Cooperative Apex Bank Limited – BAGALKOT DISTRICT CENTRAL COOP BANK — 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 The Karanataka State Cooperative Apex Bank Limited – BAGALKOT DISTRICT CENTRAL COOP BANK is KSCB0702001. The first four letters KSCB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 702001 map to this branch in BAGALKOT, KARNATAKA.

Branch details at a glance

Bank profile

The Karanataka State Cooperative Apex Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Bagalkot District Central Coop Bank branch — IFSC KSCB0702001 — extends the bank's services to customers in and around Bagalkot, Karnataka.

About this branch

The branch is located at SECTOR NO 24,NAVANAGAR,BAGALKOT 587102. It serves the Bagalkot region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of The Karanataka State Cooperative Apex Bank Limited. The IFSC KSCB0702001 is used to identify this branch on the RBI payments network.

Why every The Karanataka State Cooperative Apex Bank Limited 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 BAGALKOT DISTRICT CENTRAL COOP BANK of The Karanataka State Cooperative Apex Bank Limited — its own 11-character IFSC. The code KSCB0702001 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 KSCB0702001 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 KSCB0702001

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 KSCB0702001 across all three.

How to use IFSC KSCB0702001 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to The Karanataka State Cooperative Apex Bank Limited's BAGALKOT DISTRICT CENTRAL COOP BANK 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 KSCB0702001.
4. Confirm the bank name auto-populates as The Karanataka State Cooperative Apex Bank Limited and the branch as BAGALKOT DISTRICT CENTRAL COOP BANK.
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 BAGALKOT DISTRICT CENTRAL COOP BANK

If you need to transfer ₹2 lakh or more in one go to an account at The Karanataka State Cooperative Apex Bank Limited's BAGALKOT DISTRICT CENTRAL COOP BANK branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KSCB0702001 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to The Karanataka State Cooperative Apex Bank Limited – BAGALKOT DISTRICT CENTRAL COOP BANK, use IMPS. With IFSC KSCB0702001 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 KSCB0702001 for The Karanataka State Cooperative Apex Bank Limited – BAGALKOT DISTRICT CENTRAL COOP BANK, 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 Bagalkot District Central Coop Bank 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 The Karanataka State Cooperative Apex Bank Limited's BAGALKOT DISTRICT CENTRAL COOP BANK branch, the IFSC KSCB0702001 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 Bagalkot District Central Coop Bank branch

Once you have an account at The Karanataka State Cooperative Apex Bank Limited – BAGALKOT DISTRICT CENTRAL COOP BANK, the IFSC KSCB0702001 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 Bagalkot District Central Coop Bank branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 8354-236443.

• 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 KSCB0702001

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by The Karanataka State Cooperative Apex Bank Limited carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC KSCB0702001 and the account number together uniquely identify the Bagalkot District Central Coop Bank branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Digital banking channels

Most day-to-day work that customers used to do at the Bagalkot District Central Coop Bank 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 KSCB0702001 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.

Common mistakes to avoid when using IFSC KSCB0702001

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 The Karanataka State Cooperative Apex Bank Limited – BAGALKOT DISTRICT CENTRAL COOP BANK, 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: KSCB0702001.
• 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 Bagalkot District Central Coop Bank branch sits at SECTOR NO 24,NAVANAGAR,BAGALKOT 587102. If you are travelling from outside Bagalkot, search for the branch on a maps application using the bank name and locality, or call 8354-236443 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 KSCB0702001 and your account number.

Verifying IFSC KSCB0702001 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 KSCB0702001 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 8354-236443.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Bagalkot District Central Coop Bank 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 KSCB0702001 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: KSCB0702001 is the IFSC code of The Karanataka State Cooperative Apex Bank Limited, BAGALKOT DISTRICT CENTRAL COOP BANK branch, in BAGALKOT, KARNATAKA. 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.