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

Use this page as a one-stop reference for everything related to The Kerala State Cooperative Bank Limited's CHANDANATHOPU branch in CHANDANATHOPU, KERALA. The branch's IFSC code KSBK0001116 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 Kerala State Cooperative Bank Limited's CHANDANATHOPU branch, the IFSC KSBK0001116 breaks down as follows: KSBK identifies the bank, 0 is the reserved character, and 001116 identifies this particular branch.

Bank profile

The Kerala State Cooperative Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Chandanathopu branch — IFSC KSBK0001116 — extends the bank's services to customers in and around Chandanathopu, Kerala.

Chandanathopu branch overview

Located at KP/19/642,CHANDANATHOPU,KOLLAM PIN 691014, the Chandanathopu branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC KSBK0001116 is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

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 CHANDANATHOPU of The Kerala State Cooperative Bank Limited — its own 11-character IFSC. The code KSBK0001116 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 KSBK0001116 the same way you would treat your account number — verify it once and save it carefully for future use.

MICR & cheque-truncation details

Cheques drawn on the Chandanathopu branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC KSBK0001116 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC KSBK0001116

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 KSBK0001116 across all three.

NEFT to The Kerala State Cooperative Bank Limited, CHANDANATHOPU using IFSC KSBK0001116

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 KSBK0001116, and confirm that the system picks up The Kerala State Cooperative Bank Limited – CHANDANATHOPU. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to CHANDANATHOPU

If you need to transfer ₹2 lakh or more in one go to an account at The Kerala State Cooperative Bank Limited's CHANDANATHOPU branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KSBK0001116 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to The Kerala State Cooperative Bank Limited – CHANDANATHOPU, use IMPS. With IFSC KSBK0001116 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

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

All three modes accept the IFSC KSBK0001116 for The Kerala State Cooperative Bank Limited – CHANDANATHOPU, 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 Chandanathopu 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.

UPI payments and IFSC KSBK0001116

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 – CHANDANATHOPU is still mapped to IFSC KSBK0001116. 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 KSBK0001116 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Chandanathopu branch is mapped to IFSC KSBK0001116 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 KSBK0001116.

Products and services

Customers walking into the Chandanathopu branch can access most of The Kerala State Cooperative 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 KSBK0001116

Online banking and IFSC KSBK0001116

The Kerala State Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the CHANDANATHOPU 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 KSBK0001116 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.

Reaching the branch

The Chandanathopu branch sits at KP/19/642,CHANDANATHOPU,KOLLAM PIN 691014. If you are travelling from outside Chandanathopu, search for the branch on a maps application using the bank name and locality, or call 474-2712777 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 KSBK0001116 and your account number.

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 Kerala State Cooperative Bank Limited – CHANDANATHOPU:

• The IFSC is exactly KSBK0001116 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills The Kerala State Cooperative Bank Limited as the bank name and CHANDANATHOPU 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.

Working hours

Branch counters at Chandanathopu 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 KSBK0001116 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC KSBK0001116 for The Kerala State Cooperative Bank Limited – CHANDANATHOPU, 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 address & contact

Frequently asked questions

Summary

The IFSC code KSBK0001116 belongs to The Kerala State Cooperative Bank Limited's CHANDANATHOPU branch, located at KP/19/642,CHANDANATHOPU,KOLLAM PIN 691014 in CHANDANATHOPU, KERALA. 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.