IFSC Code of The Karanataka State Cooperative Apex Bank Limited, Chikmagalur District Coop Bank Ltd Branch, Karnataka

Use this page as a one-stop reference for everything related to The Karanataka State Cooperative Apex Bank Limited's CHIKMAGALUR DISTRICT COOP BANK LTD branch in CHIKAMGALUR, KARNATAKA. The branch's IFSC code KSCB0012001 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, KSCB0012001 is the IFSC of The Karanataka State Cooperative Apex Bank Limited's CHIKMAGALUR DISTRICT COOP BANK LTD branch. The format is fixed: KSCB = bank code, 0 = reserved, 012001 = branch identifier.

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 Chikmagalur District Coop Bank Ltd branch — IFSC KSCB0012001 — extends the bank's services to customers in and around Chikamgalur, Karnataka.

Branch details at a glance

About the Chikmagalur District Coop Bank Ltd branch

The Chikmagalur District Coop Bank Ltd branch of The Karanataka State Cooperative Apex Bank Limited is situated at RATHNAGIRI ROAD,CHIKMAGALUR 577101. 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 KSCB0012001 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 CHIKMAGALUR DISTRICT COOP BANK LTD of The Karanataka State Cooperative Apex Bank Limited — its own 11-character IFSC. The code KSCB0012001 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 KSCB0012001 the same way you would treat your account number — verify it once and save it carefully for future use.

Account types you can open at the Chikmagalur District Coop Bank Ltd branch

Once you have an account at The Karanataka State Cooperative Apex Bank Limited – CHIKMAGALUR DISTRICT COOP BANK LTD, the IFSC KSCB0012001 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 Chikmagalur District Coop Bank Ltd 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 KSCB0012001

How to transfer money using IFSC KSCB0012001

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 KSCB0012001 across all three.

How to use IFSC KSCB0012001 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to The Karanataka State Cooperative Apex Bank Limited's CHIKMAGALUR DISTRICT COOP BANK LTD branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC KSCB0012001.
4. Confirm the bank name auto-populates as The Karanataka State Cooperative Apex Bank Limited and the branch as CHIKMAGALUR DISTRICT COOP BANK LTD.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC KSCB0012001

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 – CHIKMAGALUR DISTRICT COOP BANK LTD, ensure your bank's portal accepts IFSC KSCB0012001 while registering the beneficiary. RTGS is also available 24x7.

IMPS to The Karanataka State Cooperative Apex Bank Limited CHIKMAGALUR DISTRICT COOP BANK LTD (IFSC KSCB0012001)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KSCB0012001 in your mobile or internet banking app, and the money is credited to the CHIKMAGALUR DISTRICT COOP BANK LTD branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Chikmagalur District Coop Bank Ltd

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 KSCB0012001:

• 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 CHIKMAGALUR DISTRICT COOP BANK LTD is still linked to IFSC KSCB0012001.

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 KSCB0012001

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 – CHIKMAGALUR DISTRICT COOP BANK LTD is still mapped to IFSC KSCB0012001. 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 KSCB0012001 and the beneficiary's account number to complete the transfer.

Online banking and IFSC KSCB0012001

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 CHIKMAGALUR DISTRICT COOP BANK LTD 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 KSCB0012001 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 & cheque-truncation details

Cheques drawn on the Chikmagalur District Coop Bank Ltd branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC KSCB0012001 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Common mistakes to avoid when using IFSC KSCB0012001

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 – CHIKMAGALUR DISTRICT COOP BANK LTD, 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: KSCB0012001.
• 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 Chikmagalur District Coop Bank Ltd branch sits at RATHNAGIRI ROAD,CHIKMAGALUR 577101. If you are travelling from outside Chikamgalur, search for the branch on a maps application using the bank name and locality, or call 8262-231240 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 KSCB0012001 and your account number.

Verifying IFSC KSCB0012001 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 KSCB0012001 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 8262-231240.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Chikmagalur District Coop Bank Ltd 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 KSCB0012001 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code KSCB0012001 belongs to The Karanataka State Cooperative Apex Bank Limited's CHIKMAGALUR DISTRICT COOP BANK LTD branch, located at RATHNAGIRI ROAD,CHIKMAGALUR 577101 in CHIKAMGALUR, 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.