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

If you are searching for the IFSC code of The Kerala State Cooperative Bank Limited, KOTTAPPADY branch in KOTTAPADY, KERALA, this page has every detail you need. The verified IFSC code for this branch is KSBK0001422. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the KOTTAPPADY branch, and detailed step-by-step guides for using the IFSC KSBK0001422 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular 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, KSBK0001422 is the IFSC of The Kerala State Cooperative Bank Limited's KOTTAPPADY branch. The format is fixed: KSBK = bank code, 0 = reserved, 001422 = branch identifier.

Branch details at a glance

Bank profile

The Kerala State Cooperative Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Kottappady branch — IFSC KSBK0001422 — extends the bank's services to customers in and around Kottapady, Kerala.

About the Kottappady branch

The Kottappady branch of The Kerala State Cooperative Bank Limited is situated at 12/593,CITY CENTRE BUILDING,KOTTAPADY,ERNAKULAM PIN 686692. 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 KSBK0001422 is used.

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 KOTTAPPADY of The Kerala State Cooperative Bank Limited — its own 11-character IFSC. The code KSBK0001422 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 KSBK0001422 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 KSBK0001422

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 KSBK0001422 across all three.

NEFT to The Kerala State Cooperative Bank Limited, KOTTAPPADY using IFSC KSBK0001422

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 KSBK0001422, and confirm that the system picks up The Kerala State Cooperative Bank Limited – KOTTAPPADY. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC KSBK0001422

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 Kerala State Cooperative Bank Limited – KOTTAPPADY, ensure your bank's portal accepts IFSC KSBK0001422 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to The Kerala State Cooperative Bank Limited – KOTTAPPADY, use IMPS. With IFSC KSBK0001422 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 Kottappady

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 KSBK0001422:

• 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 KOTTAPPADY is still linked to IFSC KSBK0001422.

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 Kerala State Cooperative Bank Limited's KOTTAPPADY branch, the IFSC KSBK0001422 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 Kottappady branch is mapped to IFSC KSBK0001422 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 KSBK0001422.

Banking services available

The Kottappady branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 485-2842730.

• 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 KSBK0001422

MICR & cheque-truncation details

Cheques drawn on the Kottappady branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC KSBK0001422 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Digital banking channels

Most day-to-day work that customers used to do at the Kottappady branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC KSBK0001422 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.

Common mistakes to avoid when using IFSC KSBK0001422

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 – KOTTAPPADY, 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: KSBK0001422.
• 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.

How to reach the Kottappady branch

The branch is located at 12/593,CITY CENTRE BUILDING,KOTTAPADY,ERNAKULAM PIN 686692, which puts it inside Kottapady, the broader Ernakulam district, and the state of Kerala. To plan your visit:

1. Open Google Maps on your phone and search for “The Kerala State Cooperative Bank Limited Kottappady branch” — the verified location pin for IFSC KSBK0001422 should appear at the top of the results.
2. Confirm the branch is open by calling 485-2842730 before stepping out, especially around public holidays.
3. Carry photo ID and any account-related documents you may need for the transaction you plan to do.

Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC KSBK0001422 and your account number.

Verifying IFSC KSBK0001422 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 KSBK0001422 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 485-2842730.
• 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 Kottappady branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KSBK0001422, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code KSBK0001422 belongs to The Kerala State Cooperative Bank Limited's KOTTAPPADY branch, located at 12/593,CITY CENTRE BUILDING,KOTTAPADY,ERNAKULAM PIN 686692 in KOTTAPADY, 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.