IFSC Code of The Karanataka State Cooperative Apex Bank Limited, Agara Branch, Karnataka

If you are searching for the IFSC code of The Karanataka State Cooperative Apex Bank Limited, AGARA branch in BANGALORE, KARNATAKA, this page has every detail you need. The verified IFSC code for this branch is KSCB0001033. 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 AGARA branch, and detailed step-by-step guides for using the IFSC KSCB0001033 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.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For The Karanataka State Cooperative Apex Bank Limited's AGARA branch, the IFSC KSCB0001033 breaks down as follows: KSCB identifies the bank, 0 is the reserved character, and 001033 identifies this particular branch.

About the bank

The Karanataka State Cooperative Apex Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Agara branch in Bangalore, Karnataka is part of this network and uses the IFSC code KSCB0001033 for all electronic settlement.

Branch details at a glance

Agara branch overview

Located at NO 259,RING ROAD,HSR LAYOUT,AGARA VILLAGE,BANGALORE 560034, the Agara branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC KSCB0001033 is required for all interbank electronic transfers routed through this branch.

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 AGARA of The Karanataka State Cooperative Apex Bank Limited — its own 11-character IFSC. The code KSCB0001033 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 KSCB0001033 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Agara branch is mapped to IFSC KSCB0001033 on the RBI payments network. The branch generally supports the full retail product catalogue of The Karanataka State Cooperative Apex Bank Limited, 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 KSCB0001033.

Banking services available

The Agara branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 80-22976685.

• 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 KSCB0001033

How to transfer money using IFSC KSCB0001033

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 KSCB0001033 across all three.

NEFT to The Karanataka State Cooperative Apex Bank Limited, AGARA using IFSC KSCB0001033

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 KSCB0001033, and confirm that the system picks up The Karanataka State Cooperative Apex Bank Limited – AGARA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC KSCB0001033

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 The Karanataka State Cooperative Apex Bank Limited – AGARA, ensure your bank's portal accepts IFSC KSCB0001033 while registering the beneficiary. RTGS is also available 24x7.

IMPS to The Karanataka State Cooperative Apex Bank Limited AGARA (IFSC KSCB0001033)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KSCB0001033 in your mobile or internet banking app, and the money is credited to the AGARA branch account within seconds.

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

All three modes accept the IFSC KSCB0001033 for The Karanataka State Cooperative Apex Bank Limited – AGARA, 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 Agara 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 KSCB0001033

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 The Karanataka State Cooperative Apex Bank Limited – AGARA is still mapped to IFSC KSCB0001033. 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 KSCB0001033 and the beneficiary's account number to complete the transfer.

Digital banking channels

Most day-to-day work that customers used to do at the Agara 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 KSCB0001033 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 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 KSCB0001033 and the account number together uniquely identify the Agara branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 The Karanataka State Cooperative Apex Bank Limited – AGARA:

• The IFSC is exactly KSCB0001033 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills The Karanataka State Cooperative Apex Bank Limited as the bank name and AGARA 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.

How to reach the Agara branch

The branch is located at NO 259,RING ROAD,HSR LAYOUT,AGARA VILLAGE,BANGALORE 560034, which puts it inside Bangalore, the broader Bangalore Urban district, and the state of Karnataka. To plan your visit:

1. Open Google Maps on your phone and search for “The Karanataka State Cooperative Apex Bank Limited Agara branch” — the verified location pin for IFSC KSCB0001033 should appear at the top of the results.
2. Confirm the branch is open by calling 80-22976685 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 KSCB0001033 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC KSCB0001033 for The Karanataka State Cooperative Apex Bank Limited – AGARA, 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 Agara branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KSCB0001033, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code KSCB0001033 belongs to The Karanataka State Cooperative Apex Bank Limited's AGARA branch, located at NO 259,RING ROAD,HSR LAYOUT,AGARA VILLAGE,BANGALORE 560034 in BANGALORE, KARNATAKA. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.