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

Use this page as a one-stop reference for everything related to The Karanataka State Cooperative Apex Bank Limited's GIRINAGAR branch in BANGALORE, KARNATAKA. The branch's IFSC code KSCB0001031 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.

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 – GIRINAGAR is KSCB0001031. The first four letters KSCB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001031 map to this branch in BANGALORE, KARNATAKA.

Branch details at a glance

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 Girinagar branch in Bangalore, Karnataka is part of this network and uses the IFSC code KSCB0001031 for all electronic settlement.

About this branch

The branch is located at NO 404,80 FEET ROAD,GIRINAGAR,BANGALORE 560085. 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 KSCB0001031 is used to identify this branch on the RBI payments network.

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 GIRINAGAR branch came to be assigned the code KSCB0001031.

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 KSCB0001031, money simply cannot be routed to the GIRINAGAR branch electronically.

How to transfer money using IFSC KSCB0001031

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 KSCB0001031 across all three.

How to use IFSC KSCB0001031 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 GIRINAGAR 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 KSCB0001031.
4. Confirm the bank name auto-populates as The Karanataka State Cooperative Apex Bank Limited and the branch as GIRINAGAR.
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 KSCB0001031

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 – GIRINAGAR, ensure your bank's portal accepts IFSC KSCB0001031 while registering the beneficiary. RTGS is also available 24x7.

IMPS to The Karanataka State Cooperative Apex Bank Limited GIRINAGAR (IFSC KSCB0001031)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KSCB0001031 in your mobile or internet banking app, and the money is credited to the GIRINAGAR branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Girinagar

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 KSCB0001031:

• 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 GIRINAGAR is still linked to IFSC KSCB0001031.

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.

UPI payments and IFSC KSCB0001031

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 – GIRINAGAR is still mapped to IFSC KSCB0001031. 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 KSCB0001031 and the beneficiary's account number to complete the transfer.

Account types you can open at the Girinagar branch

Once you have an account at The Karanataka State Cooperative Apex Bank Limited – GIRINAGAR, the IFSC KSCB0001031 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 Girinagar 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 KSCB0001031

MICR & cheque-truncation details

Cheques drawn on the Girinagar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC KSCB0001031 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Digital banking channels

Most day-to-day work that customers used to do at the Girinagar 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 KSCB0001031 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.

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 – GIRINAGAR:

• The IFSC is exactly KSCB0001031 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 GIRINAGAR 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.

Reaching the branch

The Girinagar branch sits at NO 404,80 FEET ROAD,GIRINAGAR,BANGALORE 560085. If you are travelling from outside Bangalore, search for the branch on a maps application using the bank name and locality, or call 80-22976683 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 KSCB0001031 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC KSCB0001031 for The Karanataka State Cooperative Apex Bank Limited – GIRINAGAR, 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 Girinagar branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KSCB0001031, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: KSCB0001031 is the IFSC code of The Karanataka State Cooperative Apex Bank Limited, GIRINAGAR 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.