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

This page lists the IFSC code, branch address, contact number and fund-transfer information for The Karanataka State Cooperative Apex Bank Limited, GAYATHRINAGAR branch in BENGALURU. The 11-digit IFSC KSCB0001054 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 GAYATHRINAGAR 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 – GAYATHRINAGAR is KSCB0001054. The first four letters KSCB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001054 map to this branch in BENGALURU, KARNATAKA.

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 Gayathrinagar branch in Bengaluru, Karnataka is part of this network and uses the IFSC code KSCB0001054 for all electronic settlement.

About this branch

The branch is located at NO.2388/A,12TH MAIN ROAD,A-BLOCK,SUBRAMANYANAGAR MAIN ROAD,RAJAJINAGAR,2ND STAGE,BENGALURU-560010. It serves the Bengaluru 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 KSCB0001054 is used to identify this branch on the RBI payments network.

Branch details at a glance

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 GAYATHRINAGAR of The Karanataka State Cooperative Apex Bank Limited — its own 11-character IFSC. The code KSCB0001054 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 KSCB0001054 the same way you would treat your account number — verify it once and save it carefully for future use.

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 KSCB0001054 and the account number together uniquely identify the Gayathrinagar branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC KSCB0001054

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 KSCB0001054 across all three.

NEFT to The Karanataka State Cooperative Apex Bank Limited, GAYATHRINAGAR using IFSC KSCB0001054

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 KSCB0001054, and confirm that the system picks up The Karanataka State Cooperative Apex Bank Limited – GAYATHRINAGAR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to GAYATHRINAGAR

If you need to transfer ₹2 lakh or more in one go to an account at The Karanataka State Cooperative Apex Bank Limited's GAYATHRINAGAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KSCB0001054 while initiating the transfer and the credit will appear within minutes.

IMPS to The Karanataka State Cooperative Apex Bank Limited GAYATHRINAGAR (IFSC KSCB0001054)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KSCB0001054 in your mobile or internet banking app, and the money is credited to the GAYATHRINAGAR branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Gayathrinagar

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 KSCB0001054:

• 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 GAYATHRINAGAR is still linked to IFSC KSCB0001054.

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 KSCB0001054

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 – GAYATHRINAGAR is still mapped to IFSC KSCB0001054. 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 KSCB0001054 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Gayathrinagar branch is mapped to IFSC KSCB0001054 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 KSCB0001054.

Banking services available

The Gayathrinagar branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 80-22976628.

• 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 KSCB0001054

Online banking and IFSC KSCB0001054

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 GAYATHRINAGAR 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 KSCB0001054 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.

How to reach the Gayathrinagar branch

The branch is located at NO.2388/A,12TH MAIN ROAD,A-BLOCK,SUBRAMANYANAGAR MAIN ROAD,RAJAJINAGAR,2ND STAGE,BENGALURU-560010, which puts it inside Bengaluru, the broader Bengaluru district, and the state of Karnataka. To plan your visit:

1. Open Google Maps on your phone and search for “The Karanataka State Cooperative Apex Bank Limited Gayathrinagar branch” — the verified location pin for IFSC KSCB0001054 should appear at the top of the results.
2. Confirm the branch is open by calling 80-22976628 before stepping out, especially around public holidays.
3. 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 KSCB0001054 and your account number.

Common mistakes to avoid when using IFSC KSCB0001054

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 – GAYATHRINAGAR, 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: KSCB0001054.
• 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.

Working hours

Branch counters at Gayathrinagar 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 KSCB0001054 continue to work without interruption.

Verifying IFSC KSCB0001054 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 KSCB0001054 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 80-22976628.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Summary

The IFSC code KSCB0001054 belongs to The Karanataka State Cooperative Apex Bank Limited's GAYATHRINAGAR branch, located at NO.2388/A,12TH MAIN ROAD,A-BLOCK,SUBRAMANYANAGAR MAIN ROAD,RAJAJINAGAR,2ND… in BENGALURU, 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.