IFSC Code of The Karanataka State Cooperative Apex Bank Limited, Chitradurga Central Co-Op Bank Ltd Branch, Karnataka

Below are the complete branch details for The Karanataka State Cooperative Apex Bank Limited, CHITRADURGA CENTRAL CO-OP BANK LTD branch, located in CHITRADURGA, KARNATAKA. The IFSC assigned by the Reserve Bank of India to this branch is KSCB0004001. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case KSCB0004001 for The Karanataka State Cooperative Apex Bank Limited – CHITRADURGA CENTRAL CO-OP BANK LTD — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 – CHITRADURGA CENTRAL CO-OP BANK LTD is KSCB0004001. The first four letters KSCB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 004001 map to this branch in CHITRADURGA, KARNATAKA.

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 Chitradurga Central Co-Op Bank Ltd branch in Chitradurga, Karnataka is part of this network and uses the IFSC code KSCB0004001 for all electronic settlement.

About the Chitradurga Central Co-Op Bank Ltd branch

The Chitradurga Central Co-Op Bank Ltd branch of The Karanataka State Cooperative Apex Bank Limited is situated at D C OFFICE ROAD,CHITRADURGA 577501. 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 KSCB0004001 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 CHITRADURGA CENTRAL CO-OP BANK LTD branch came to be assigned the code KSCB0004001.

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 KSCB0004001, money simply cannot be routed to the CHITRADURGA CENTRAL CO-OP BANK LTD branch electronically.

How to transfer money using IFSC KSCB0004001

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 KSCB0004001 across all three.

How to use IFSC KSCB0004001 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 CHITRADURGA CENTRAL CO-OP 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 KSCB0004001.
4. Confirm the bank name auto-populates as The Karanataka State Cooperative Apex Bank Limited and the branch as CHITRADURGA CENTRAL CO-OP 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 KSCB0004001

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 – CHITRADURGA CENTRAL CO-OP BANK LTD, ensure your bank's portal accepts IFSC KSCB0004001 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to The Karanataka State Cooperative Apex Bank Limited – CHITRADURGA CENTRAL CO-OP BANK LTD, use IMPS. With IFSC KSCB0004001 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 Chitradurga Central Co-Op 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 KSCB0004001:

• 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 CHITRADURGA CENTRAL CO-OP BANK LTD is still linked to IFSC KSCB0004001.

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.

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 CHITRADURGA CENTRAL CO-OP BANK LTD branch, the IFSC KSCB0004001 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.

Products and account variants supported

Every account opened at the Chitradurga Central Co-Op Bank Ltd branch is mapped to IFSC KSCB0004001 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 KSCB0004001.

Products and services

Customers walking into the Chitradurga Central Co-Op 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 KSCB0004001

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 KSCB0004001 and the account number together uniquely identify the Chitradurga Central Co-Op Bank Ltd branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC KSCB0004001

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 CHITRADURGA CENTRAL CO-OP 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 KSCB0004001 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 – CHITRADURGA CENTRAL CO-OP BANK LTD:

• The IFSC is exactly KSCB0004001 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 CHITRADURGA CENTRAL CO-OP BANK LTD 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 Chitradurga Central Co-Op Bank Ltd branch sits at D C OFFICE ROAD,CHITRADURGA 577501. If you are travelling from outside Chitradurga, search for the branch on a maps application using the bank name and locality, or call 8194-422546 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 KSCB0004001 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC KSCB0004001 for The Karanataka State Cooperative Apex Bank Limited – CHITRADURGA CENTRAL CO-OP BANK LTD, 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 Chitradurga Central Co-Op Bank Ltd branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KSCB0004001, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: KSCB0004001 is the IFSC code of The Karanataka State Cooperative Apex Bank Limited, CHITRADURGA CENTRAL CO-OP BANK LTD branch, in CHITRADURGA, KARNATAKA. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.