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

Use this page as a one-stop reference for everything related to The Karanataka State Cooperative Apex Bank Limited's BANASHANKARI branch in BANGALORE, KARNATAKA. The branch's IFSC code KSCB0001009 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, KSCB0001009 is the IFSC of The Karanataka State Cooperative Apex Bank Limited's BANASHANKARI branch. The format is fixed: KSCB = bank code, 0 = reserved, 001009 = branch identifier.

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 Banashankari branch in Bangalore, Karnataka is part of this network and uses the IFSC code KSCB0001009 for all electronic settlement.

Branch details at a glance

About this branch

The branch is located at NO 108/13,50 FEET ROAD,SRINAGAR,2ND BLOCK,BSK 1ST STAGE,BANGALORE 560050. It serves the Bangalore 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 KSCB0001009 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 BANASHANKARI of The Karanataka State Cooperative Apex Bank Limited — its own 11-character IFSC. The code KSCB0001009 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 KSCB0001009 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 Banashankari branch is mapped to IFSC KSCB0001009 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 KSCB0001009.

Banking services available

The Banashankari branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 80-22976663.

• 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 KSCB0001009

How to transfer money using IFSC KSCB0001009

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 KSCB0001009 across all three.

How to use IFSC KSCB0001009 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 BANASHANKARI 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 KSCB0001009.
4. Confirm the bank name auto-populates as The Karanataka State Cooperative Apex Bank Limited and the branch as BANASHANKARI.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC KSCB0001009

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 – BANASHANKARI, ensure your bank's portal accepts IFSC KSCB0001009 while registering the beneficiary. RTGS is also available 24x7.

IMPS to The Karanataka State Cooperative Apex Bank Limited BANASHANKARI (IFSC KSCB0001009)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KSCB0001009 in your mobile or internet banking app, and the money is credited to the BANASHANKARI branch account within seconds.

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

All three modes accept the IFSC KSCB0001009 for The Karanataka State Cooperative Apex Bank Limited – BANASHANKARI, 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 Banashankari 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 KSCB0001009

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 – BANASHANKARI is still mapped to IFSC KSCB0001009. 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 KSCB0001009 and the beneficiary's account number to complete the transfer.

Online banking and IFSC KSCB0001009

The Karanataka State Cooperative Apex Bank Limited customers can register for net banking and the bank's official mobile app once their account at the BANASHANKARI 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 KSCB0001009 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.

MICR & cheque-truncation details

Cheques drawn on the Banashankari branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC KSCB0001009 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 KSCB0001009

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 – BANASHANKARI, 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: KSCB0001009.
• 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 Banashankari branch sits at NO 108/13,50 FEET ROAD,SRINAGAR,2ND BLOCK,BSK 1ST STAGE,BANGALORE 560050. If you are travelling from outside Bangalore, search for the branch on a maps application using the bank name and locality, or call 80-22976663 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 KSCB0001009 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC KSCB0001009 for The Karanataka State Cooperative Apex Bank Limited – BANASHANKARI, 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.

Working hours

Branch counters at Banashankari 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 KSCB0001009 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code KSCB0001009 belongs to The Karanataka State Cooperative Apex Bank Limited's BANASHANKARI branch, located at NO 108/13,50 FEET ROAD,SRINAGAR,2ND BLOCK,BSK 1ST STAGE,BANGALORE 560050 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.