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

This page lists the IFSC code, branch address, contact number and fund-transfer information for The Karanataka State Cooperative Apex Bank Limited, KRISHNARAJA PURAM branch in BANGALORE. The 11-digit IFSC KSCB0001040 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 KRISHNARAJA PURAM 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.

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, KSCB0001040 is the IFSC of The Karanataka State Cooperative Apex Bank Limited's KRISHNARAJA PURAM branch. The format is fixed: KSCB = bank code, 0 = reserved, 001040 = branch identifier.

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 Krishnaraja Puram 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, KSCB0001040.

Branch details at a glance

Krishnaraja Puram branch overview

Located at NO17,POOJA COMPLEX,K R PURAM HOBLI,OLD MADRAS ROAD,BANGALORE EAST TALUK,BANGALORE 560036, the Krishnaraja Puram branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC KSCB0001040 is required for all interbank electronic transfers routed through this branch.

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 KRISHNARAJA PURAM branch came to be assigned the code KSCB0001040.

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 KSCB0001040, money simply cannot be routed to the KRISHNARAJA PURAM branch electronically.

Account types you can open at the Krishnaraja Puram branch

Once you have an account at The Karanataka State Cooperative Apex Bank Limited – KRISHNARAJA PURAM, the IFSC KSCB0001040 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 Krishnaraja Puram 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 KSCB0001040

How to transfer money using IFSC KSCB0001040

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 KSCB0001040 across all three.

NEFT to The Karanataka State Cooperative Apex Bank Limited, KRISHNARAJA PURAM using IFSC KSCB0001040

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 KSCB0001040, and confirm that the system picks up The Karanataka State Cooperative Apex Bank Limited – KRISHNARAJA PURAM. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to KRISHNARAJA PURAM

If you need to transfer ₹2 lakh or more in one go to an account at The Karanataka State Cooperative Apex Bank Limited's KRISHNARAJA PURAM branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KSCB0001040 while initiating the transfer and the credit will appear within minutes.

IMPS to The Karanataka State Cooperative Apex Bank Limited KRISHNARAJA PURAM (IFSC KSCB0001040)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KSCB0001040 in your mobile or internet banking app, and the money is credited to the KRISHNARAJA PURAM branch account within seconds.

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

All three modes accept the IFSC KSCB0001040 for The Karanataka State Cooperative Apex Bank Limited – KRISHNARAJA PURAM, 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 Krishnaraja Puram 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 KSCB0001040

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 – KRISHNARAJA PURAM is still mapped to IFSC KSCB0001040. 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 KSCB0001040 and the beneficiary's account number to complete the transfer.

Online banking and IFSC KSCB0001040

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 KRISHNARAJA PURAM 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 KSCB0001040 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 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 KSCB0001040 and the account number together uniquely identify the Krishnaraja Puram 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 – KRISHNARAJA PURAM:

• The IFSC is exactly KSCB0001040 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 KRISHNARAJA PURAM 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 Krishnaraja Puram branch sits at NO17,POOJA COMPLEX,K R PURAM HOBLI,OLD MADRAS ROAD,BANGALORE EAST TALUK,BANGALORE 560036. If you are travelling from outside Bangalore, search for the branch on a maps application using the bank name and locality, or call 80-22976692 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 KSCB0001040 and your account number.

Verifying IFSC KSCB0001040 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 KSCB0001040 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 80-22976692.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Krishnaraja Puram 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 KSCB0001040 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: KSCB0001040 is the IFSC code of The Karanataka State Cooperative Apex Bank Limited, KRISHNARAJA PURAM 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.