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

This page lists the IFSC code, branch address, contact number and fund-transfer information for The Karanataka State Cooperative Apex Bank Limited, VIDHYARANYAPURAM branch in BENGALURU. The 11-digit IFSC KSCB0001050 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 VIDHYARANYAPURAM 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, KSCB0001050 is the IFSC of The Karanataka State Cooperative Apex Bank Limited's VIDHYARANYAPURAM branch. The format is fixed: KSCB = bank code, 0 = reserved, 001050 = branch identifier.

Branch details at a glance

Bank profile

The Karanataka State Cooperative Apex Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Vidhyaranyapuram branch — IFSC KSCB0001050 — extends the bank's services to customers in and around Bengaluru, Karnataka.

About the Vidhyaranyapuram branch

The Vidhyaranyapuram branch of The Karanataka State Cooperative Apex Bank Limited is situated at NO.951,1ST FLOOR, OPP. TO BEL WHITE SQUARE APARTMENT,VIDAYARANYAPURAM MAIN ROAD, BENGALURU-560097. 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 KSCB0001050 is used.

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 VIDHYARANYAPURAM of The Karanataka State Cooperative Apex Bank Limited — its own 11-character IFSC. The code KSCB0001050 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 KSCB0001050 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC KSCB0001050

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 KSCB0001050 across all three.

NEFT to The Karanataka State Cooperative Apex Bank Limited, VIDHYARANYAPURAM using IFSC KSCB0001050

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 KSCB0001050, and confirm that the system picks up The Karanataka State Cooperative Apex Bank Limited – VIDHYARANYAPURAM. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to VIDHYARANYAPURAM

If you need to transfer ₹2 lakh or more in one go to an account at The Karanataka State Cooperative Apex Bank Limited's VIDHYARANYAPURAM branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KSCB0001050 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to The Karanataka State Cooperative Apex Bank Limited – VIDHYARANYAPURAM, use IMPS. With IFSC KSCB0001050 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Vidhyaranyapuram

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 KSCB0001050:

• 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 VIDHYARANYAPURAM is still linked to IFSC KSCB0001050.

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 KSCB0001050

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 – VIDHYARANYAPURAM is still mapped to IFSC KSCB0001050. 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 KSCB0001050 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Vidhyaranyapuram branch is mapped to IFSC KSCB0001050 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 KSCB0001050.

Products and services

Customers walking into the Vidhyaranyapuram 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 KSCB0001050

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 KSCB0001050 and the account number together uniquely identify the Vidhyaranyapuram branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC KSCB0001050

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 VIDHYARANYAPURAM 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 KSCB0001050 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.

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 – VIDHYARANYAPURAM:

• The IFSC is exactly KSCB0001050 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 VIDHYARANYAPURAM 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 Vidhyaranyapuram branch sits at NO.951,1ST FLOOR, OPP. TO BEL WHITE SQUARE APARTMENT,VIDAYARANYAPURAM MAIN ROAD, BENGALURU-560097. If you are travelling from outside Bengaluru, search for the branch on a maps application using the bank name and locality, or call 80-22976635 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 KSCB0001050 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC KSCB0001050 for The Karanataka State Cooperative Apex Bank Limited – VIDHYARANYAPURAM, 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 Vidhyaranyapuram 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 KSCB0001050 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code KSCB0001050 belongs to The Karanataka State Cooperative Apex Bank Limited's VIDHYARANYAPURAM branch, located at NO.951,1ST FLOOR, OPP. TO BEL WHITE SQUARE APARTMENT,VIDAYARANYAPURAM MAIN… 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.