IFSC Code of The Karanataka State Cooperative Apex Bank Limited, Sir M Vishweshwaraiah Layout Branch, Karnataka

Use this page as a one-stop reference for everything related to The Karanataka State Cooperative Apex Bank Limited's SIR M VISHWESHWARAIAH LAYOUT branch in BENGALURU, KARNATAKA. The branch's IFSC code KSCB0001051 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.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For The Karanataka State Cooperative Apex Bank Limited's SIR M VISHWESHWARAIAH LAYOUT branch, the IFSC KSCB0001051 breaks down as follows: KSCB identifies the bank, 0 is the reserved character, and 001051 identifies this particular branch.

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 Sir M Vishweshwaraiah Layout branch in Bengaluru, Karnataka is part of this network and uses the IFSC code KSCB0001051 for all electronic settlement.

Branch details at a glance

About the Sir M Vishweshwaraiah Layout branch

The Sir M Vishweshwaraiah Layout branch of The Karanataka State Cooperative Apex Bank Limited is situated at NO.21, GOWRI COMPLEX, ULLAL MAIN ROAD, MANGANAHALLI CROSS, VISHVESHWARAIAH LAYOUT, 5TH BLOCK, OPPOSITE BUS STOP, BENGALURU-560056.. 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 KSCB0001051 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 SIR M VISHWESHWARAIAH LAYOUT branch came to be assigned the code KSCB0001051.

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 KSCB0001051, money simply cannot be routed to the SIR M VISHWESHWARAIAH LAYOUT branch electronically.

Account types you can open at the Sir M Vishweshwaraiah Layout branch

Once you have an account at The Karanataka State Cooperative Apex Bank Limited – SIR M VISHWESHWARAIAH LAYOUT, the IFSC KSCB0001051 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 Sir M Vishweshwaraiah Layout branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 80-23240450.

• 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 KSCB0001051

How to transfer money using IFSC KSCB0001051

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 KSCB0001051 across all three.

NEFT to The Karanataka State Cooperative Apex Bank Limited, SIR M VISHWESHWARAIAH LAYOUT using IFSC KSCB0001051

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 KSCB0001051, and confirm that the system picks up The Karanataka State Cooperative Apex Bank Limited – SIR M VISHWESHWARAIAH LAYOUT. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC KSCB0001051

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 – SIR M VISHWESHWARAIAH LAYOUT, ensure your bank's portal accepts IFSC KSCB0001051 while registering the beneficiary. RTGS is also available 24x7.

IMPS to The Karanataka State Cooperative Apex Bank Limited SIR M VISHWESHWARAIAH LAYOUT (IFSC KSCB0001051)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KSCB0001051 in your mobile or internet banking app, and the money is credited to the SIR M VISHWESHWARAIAH LAYOUT branch account within seconds.

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

All three modes accept the IFSC KSCB0001051 for The Karanataka State Cooperative Apex Bank Limited – SIR M VISHWESHWARAIAH 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.

For most retail customers crediting the Sir M Vishweshwaraiah 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.

How UPI relates to the IFSC code

UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at The Karanataka State Cooperative Apex Bank Limited's SIR M VISHWESHWARAIAH LAYOUT branch, the IFSC KSCB0001051 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.

That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.

Digital banking channels

Most day-to-day work that customers used to do at the Sir M Vishweshwaraiah Layout 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 KSCB0001051 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.

MICR & cheque-truncation details

Cheques drawn on the Sir M Vishweshwaraiah Layout branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC KSCB0001051 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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 – SIR M VISHWESHWARAIAH LAYOUT:

• The IFSC is exactly KSCB0001051 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 SIR M VISHWESHWARAIAH LAYOUT 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 Sir M Vishweshwaraiah Layout branch sits at NO.21, GOWRI COMPLEX, ULLAL MAIN ROAD, MANGANAHALLI CROSS, VISHVESHWARAIAH LAYOUT, 5TH BLOCK, OPPOSITE BUS STOP, BENGALURU-560056.. If you are travelling from outside Bengaluru, search for the branch on a maps application using the bank name and locality, or call 80-23240450 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 KSCB0001051 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC KSCB0001051 for The Karanataka State Cooperative Apex Bank Limited – SIR M VISHWESHWARAIAH LAYOUT, 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 Sir M Vishweshwaraiah Layout branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KSCB0001051, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code KSCB0001051 belongs to The Karanataka State Cooperative Apex Bank Limited's SIR M VISHWESHWARAIAH LAYOUT branch, located at NO.21, GOWRI COMPLEX, ULLAL MAIN ROAD, MANGANAHALLI CROSS, VISHVESHWARAIAH… 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.