IFSC Code of The Kerala State Cooperative Bank Limited, Champakulam Branch, Kerala

This page lists the IFSC code, branch address, contact number and fund-transfer information for The Kerala State Cooperative Bank Limited, CHAMPAKULAM branch in ALAPPUZHA. The 11-digit IFSC KSBK0001235 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 Kerala State Cooperative Bank Limited at the CHAMPAKULAM 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.

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 Kerala State Cooperative Bank Limited's CHAMPAKULAM branch, the IFSC KSBK0001235 breaks down as follows: KSBK identifies the bank, 0 is the reserved character, and 001235 identifies this particular branch.

About the bank

The Kerala State Cooperative Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Champakulam branch in Alappuzha, Kerala is part of this network and uses the IFSC code KSBK0001235 for all electronic settlement.

Branch details at a glance

About this branch

The branch is located at 124,NADUBHAGOM,CHAMPAKULAM,ALAPPUZHA PIN 688505. It serves the Alappuzha 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 Kerala State Cooperative Bank Limited. The IFSC KSBK0001235 is used to identify this branch on the RBI payments network.

Why every The Kerala State Cooperative 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 CHAMPAKULAM of The Kerala State Cooperative Bank Limited — its own 11-character IFSC. The code KSBK0001235 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 KSBK0001235 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Champakulam branch is mapped to IFSC KSBK0001235 on the RBI payments network. The branch generally supports the full retail product catalogue of The Kerala State Cooperative 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 KSBK0001235.

Banking services available

The Champakulam branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 477-2736221.

• 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 KSBK0001235

How to transfer money using IFSC KSBK0001235

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 KSBK0001235 across all three.

NEFT to The Kerala State Cooperative Bank Limited, CHAMPAKULAM using IFSC KSBK0001235

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 KSBK0001235, and confirm that the system picks up The Kerala State Cooperative Bank Limited – CHAMPAKULAM. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to CHAMPAKULAM

If you need to transfer ₹2 lakh or more in one go to an account at The Kerala State Cooperative Bank Limited's CHAMPAKULAM branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KSBK0001235 while initiating the transfer and the credit will appear within minutes.

IMPS to The Kerala State Cooperative Bank Limited CHAMPAKULAM (IFSC KSBK0001235)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KSBK0001235 in your mobile or internet banking app, and the money is credited to the CHAMPAKULAM branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Champakulam

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 KSBK0001235:

• 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 CHAMPAKULAM is still linked to IFSC KSBK0001235.

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 KSBK0001235

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 Kerala State Cooperative Bank Limited – CHAMPAKULAM is still mapped to IFSC KSBK0001235. 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 KSBK0001235 and the beneficiary's account number to complete the transfer.

Online banking and IFSC KSBK0001235

The Kerala State Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the CHAMPAKULAM 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 KSBK0001235 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 code & cheque clearing

Apart from IFSC, every cheque book issued by The Kerala State Cooperative Bank Limited carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC KSBK0001235 and the account number together uniquely identify the Champakulam branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Common mistakes to avoid when using IFSC KSBK0001235

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 Kerala State Cooperative Bank Limited – CHAMPAKULAM, 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: KSBK0001235.
• 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 Champakulam branch sits at 124,NADUBHAGOM,CHAMPAKULAM,ALAPPUZHA PIN 688505. If you are travelling from outside Alappuzha, search for the branch on a maps application using the bank name and locality, or call 477-2736221 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 KSBK0001235 and your account number.

Verifying IFSC KSBK0001235 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 KSBK0001235 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 477-2736221.
• Visiting the bank's official branch locator page.

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 Champakulam branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KSBK0001235, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: KSBK0001235 is the IFSC code of The Kerala State Cooperative Bank Limited, CHAMPAKULAM branch, in ALAPPUZHA, KERALA. 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.