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

Use this page as a one-stop reference for everything related to The Karanataka State Cooperative Apex Bank Limited's LAKKASANDRA branch in BANGALORE, KARNATAKA. The branch's IFSC code KSCB0001022 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, KSCB0001022 is the IFSC of The Karanataka State Cooperative Apex Bank Limited's LAKKASANDRA branch. The format is fixed: KSCB = bank code, 0 = reserved, 001022 = branch identifier.

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 Lakkasandra branch in Bangalore, Karnataka is part of this network and uses the IFSC code KSCB0001022 for all electronic settlement.

About this branch

The branch is located at NO 257/03,13TH CROSS,WILSON GARDEN,HOSUR MAIN ROAD,BANGALORE 560027. 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 KSCB0001022 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 LAKKASANDRA branch came to be assigned the code KSCB0001022.

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 KSCB0001022, money simply cannot be routed to the LAKKASANDRA branch electronically.

How to transfer money using IFSC KSCB0001022

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 KSCB0001022 across all three.

NEFT to The Karanataka State Cooperative Apex Bank Limited, LAKKASANDRA using IFSC KSCB0001022

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 KSCB0001022, and confirm that the system picks up The Karanataka State Cooperative Apex Bank Limited – LAKKASANDRA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC KSCB0001022

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 – LAKKASANDRA, ensure your bank's portal accepts IFSC KSCB0001022 while registering the beneficiary. RTGS is also available 24x7.

IMPS to The Karanataka State Cooperative Apex Bank Limited LAKKASANDRA (IFSC KSCB0001022)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KSCB0001022 in your mobile or internet banking app, and the money is credited to the LAKKASANDRA branch account within seconds.

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

All three modes accept the IFSC KSCB0001022 for The Karanataka State Cooperative Apex Bank Limited – LAKKASANDRA, 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 Lakkasandra 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 KSCB0001022

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 – LAKKASANDRA is still mapped to IFSC KSCB0001022. 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 KSCB0001022 and the beneficiary's account number to complete the transfer.

Account types you can open at the Lakkasandra branch

Once you have an account at The Karanataka State Cooperative Apex Bank Limited – LAKKASANDRA, the IFSC KSCB0001022 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.

Banking services available

The Lakkasandra branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 80-22976668.

• 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 KSCB0001022

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 KSCB0001022 and the account number together uniquely identify the Lakkasandra branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC KSCB0001022

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 LAKKASANDRA 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 KSCB0001022 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 KSCB0001022

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 – LAKKASANDRA, 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: KSCB0001022.
• 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 Lakkasandra branch sits at NO 257/03,13TH CROSS,WILSON GARDEN,HOSUR MAIN ROAD,BANGALORE 560027. If you are travelling from outside Bangalore, search for the branch on a maps application using the bank name and locality, or call 80-22976668 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 KSCB0001022 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC KSCB0001022 for The Karanataka State Cooperative Apex Bank Limited – LAKKASANDRA, 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 Lakkasandra 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 KSCB0001022 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code KSCB0001022 belongs to The Karanataka State Cooperative Apex Bank Limited's LAKKASANDRA branch, located at NO 257/03,13TH CROSS,WILSON GARDEN,HOSUR MAIN ROAD,BANGALORE 560027 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.