IFSC Code of The Kerala State Cooperative Bank Limited, Changanacherry Evening Branch, Kerala

Below are the complete branch details for The Kerala State Cooperative Bank Limited, CHANGANACHERRY EVENING branch, located in KOTTAYAM, KERALA. The IFSC assigned by the Reserve Bank of India to this branch is KSBK0001288. 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 KSBK0001288 for The Kerala State Cooperative Bank Limited – CHANGANACHERRY EVENING — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 CHANGANACHERRY EVENING branch, the IFSC KSBK0001288 breaks down as follows: KSBK identifies the bank, 0 is the reserved character, and 001288 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 Changanacherry Evening branch — IFSC KSBK0001288 — extends the bank's services to customers in and around Kottayam, Kerala.

About this branch

The branch is located at 4/1110,CHANGANACHERRY,KOTTAYAM PIN 686101. It serves the Kottayam 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 KSBK0001288 is used to identify this branch on the RBI payments network.

Branch details at a glance

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 Kerala State Cooperative Bank Limited's CHANGANACHERRY EVENING branch came to be assigned the code KSBK0001288.

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 KSBK0001288, money simply cannot be routed to the CHANGANACHERRY EVENING branch electronically.

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 KSBK0001288 and the account number together uniquely identify the Changanacherry Evening branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC KSBK0001288

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 KSBK0001288 across all three.

How to use IFSC KSBK0001288 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to The Kerala State Cooperative Bank Limited's CHANGANACHERRY EVENING 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 KSBK0001288.
4. Confirm the bank name auto-populates as The Kerala State Cooperative Bank Limited and the branch as CHANGANACHERRY EVENING.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to CHANGANACHERRY EVENING

If you need to transfer ₹2 lakh or more in one go to an account at The Kerala State Cooperative Bank Limited's CHANGANACHERRY EVENING branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KSBK0001288 while initiating the transfer and the credit will appear within minutes.

IMPS to The Kerala State Cooperative Bank Limited CHANGANACHERRY EVENING (IFSC KSBK0001288)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KSBK0001288 in your mobile or internet banking app, and the money is credited to the CHANGANACHERRY EVENING branch account within seconds.

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

All three modes accept the IFSC KSBK0001288 for The Kerala State Cooperative Bank Limited – CHANGANACHERRY EVENING, 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 Changanacherry Evening 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 KSBK0001288

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 – CHANGANACHERRY EVENING is still mapped to IFSC KSBK0001288. 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 KSBK0001288 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Changanacherry Evening branch is mapped to IFSC KSBK0001288 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 KSBK0001288.

Banking services available

The Changanacherry Evening branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 481-2421898.

• 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 KSBK0001288

Digital banking channels

Most day-to-day work that customers used to do at the Changanacherry Evening 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 KSBK0001288 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.

How to reach the Changanacherry Evening branch

The branch is located at 4/1110,CHANGANACHERRY,KOTTAYAM PIN 686101, which puts it inside Kottayam, the broader Kottayam 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 Changanacherry Evening branch” — the verified location pin for IFSC KSBK0001288 should appear at the top of the results.
2. Confirm the branch is open by calling 481-2421898 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 KSBK0001288 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 – CHANGANACHERRY EVENING:

• The IFSC is exactly KSBK0001288 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 CHANGANACHERRY EVENING 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 Changanacherry Evening 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 KSBK0001288 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC KSBK0001288 for The Kerala State Cooperative Bank Limited – CHANGANACHERRY EVENING, 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 KSBK0001288 belongs to The Kerala State Cooperative Bank Limited's CHANGANACHERRY EVENING branch, located at 4/1110,CHANGANACHERRY,KOTTAYAM PIN 686101 in KOTTAYAM, 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.