This page lists the IFSC code, branch address, contact number and fund-transfer information for The Karanataka State Cooperative Apex Bank Limited, CHANDRA LAYOUT branch in BANGALORE. The 11-digit IFSC KSCB0001036 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 The Karanataka State Cooperative Apex Bank Limited at the CHANDRA LAYOUT 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 The Karanataka State Cooperative Apex Bank Limited – CHANDRA LAYOUT is KSCB0001036. The first four letters KSCB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001036 map to this branch in BANGALORE, KARNATAKA.
Branch details at a glance
| Bank Name | The Karanataka State Cooperative Apex Bank Limited |
|---|---|
| Branch | Chandra Layout |
| IFSC Code | KSCB0001036 |
| MICR Code | Refer to cheque leaf |
| Branch Address | NO 32,8TH CROSS,CHANDRA LAYOUT,BANGALORE 560040 |
| City | Bangalore |
| District | Bangalore Urban |
| State | Karnataka |
| STD Code | 80 |
| Phone | 22976688 |
About The Karanataka State Cooperative Apex Bank Limited
The Karanataka State Cooperative Apex Bank Limited operates a wide network of branches across India, including the Chandra Layout branch in Bangalore. 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, KSCB0001036.
About the Chandra Layout branch
The Chandra Layout branch of The Karanataka State Cooperative Apex Bank Limited is situated at NO 32,8TH CROSS,CHANDRA LAYOUT,BANGALORE 560040. 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 KSCB0001036 is used.
The role of IFSC in India's payments network
India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how The Karanataka State Cooperative Apex Bank Limited's CHANDRA LAYOUT branch came to be assigned the code KSCB0001036.
Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC KSCB0001036, money simply cannot be routed to the CHANDRA LAYOUT branch electronically.
How to transfer money using IFSC KSCB0001036
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 KSCB0001036 across all three.
How to use IFSC KSCB0001036 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 CHANDRA LAYOUT 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC KSCB0001036.
- Confirm the bank name auto-populates as The Karanataka State Cooperative Apex Bank Limited and the branch as CHANDRA LAYOUT.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC KSCB0001036
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 – CHANDRA LAYOUT, ensure your bank's portal accepts IFSC KSCB0001036 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to The Karanataka State Cooperative Apex Bank Limited – CHANDRA LAYOUT, use IMPS. With IFSC KSCB0001036 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 KSCB0001036 for The Karanataka State Cooperative Apex Bank Limited – CHANDRA LAYOUT, 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 – KSCB0001036 | Yes – KSCB0001036 | Yes – KSCB0001036 |
For most retail customers crediting the Chandra Layout 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 KSCB0001036
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 – CHANDRA LAYOUT is still mapped to IFSC KSCB0001036. 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 KSCB0001036 and the beneficiary's account number to complete the transfer.
Account types you can open at the Chandra Layout branch
Once you have an account at The Karanataka State Cooperative Apex Bank Limited – CHANDRA LAYOUT, the IFSC KSCB0001036 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 Chandra Layout branch can access most of The Karanataka State Cooperative Apex Bank Limited'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 KSCB0001036
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 KSCB0001036 and the account number together uniquely identify the Chandra Layout branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC KSCB0001036
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 CHANDRA LAYOUT 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 KSCB0001036 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 KSCB0001036
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 – CHANDRA LAYOUT, 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:
KSCB0001036. - 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.
How to reach the Chandra Layout branch
The branch is located at NO 32,8TH CROSS,CHANDRA LAYOUT,BANGALORE 560040, which puts it inside Bangalore, the broader Bangalore Urban district, and the state of Karnataka. To plan your visit:
- Open Google Maps on your phone and search for “The Karanataka State Cooperative Apex Bank Limited Chandra Layout branch” — the verified location pin for IFSC KSCB0001036 should appear at the top of the results.
- Confirm the branch is open by calling 80-22976688 before stepping out, especially around public holidays.
- 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 KSCB0001036 and your account number.
Verifying IFSC KSCB0001036 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 KSCB0001036 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 80-22976688.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Chandra Layout 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 KSCB0001036 continue to work without interruption.
Branch address & contact
The Karanataka State Cooperative Apex Bank LimitedChandra Layout Branch
NO 32,8TH CROSS,CHANDRA LAYOUT,BANGALORE 560040
Bangalore, Karnataka
Phone: 80-22976688
IFSC: KSCB0001036
Frequently asked questions
Does The Karanataka State Cooperative Apex Bank Limited Chandra Layout branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 80-22976688 to confirm.
How quickly will an NEFT transfer using KSCB0001036 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to The Karanataka State Cooperative Apex Bank Limited – Chandra Layout reflect within 30 minutes.
Is IFSC KSCB0001036 valid for NEFT and RTGS?
Yes. IFSC KSCB0001036 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How do I add The Karanataka State Cooperative Apex Bank Limited Chandra Layout as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC KSCB0001036, and complete OTP verification. Once activated, you can transfer funds at any time.
Can I use IFSC KSCB0001036 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC KSCB0001036 to send funds instantly.
What is the phone number of The Karanataka State Cooperative Apex Bank Limited Chandra Layout branch?
You can reach the branch at 80-22976688 during regular banking hours.
Final notes
To recap: KSCB0001036 is the IFSC code of The Karanataka State Cooperative Apex Bank Limited, CHANDRA LAYOUT branch, in BANGALORE, 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.
