IFSC Code of The Kerala State Cooperative Bank Limited, Vaikom Morning and Evening Branch, Kerala

If you are searching for the IFSC code of The Kerala State Cooperative Bank Limited, VAIKOM MORNING AND EVENING branch in KOTTAYAM, KERALA, this page has every detail you need. The verified IFSC code for this branch is KSBK0001338. 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 VAIKOM MORNING AND EVENING branch, and detailed step-by-step guides for using the IFSC KSBK0001338 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.

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 Kerala State Cooperative Bank Limited – VAIKOM MORNING AND EVENING is KSBK0001338. The first four letters KSBK are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001338 map to this branch in KOTTAYAM, KERALA.

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 Vaikom Morning and Evening branch in Kottayam, Kerala is part of this network and uses the IFSC code KSBK0001338 for all electronic settlement.

Branch details at a glance

About this branch

The branch is located at 7/358,VAIKOM,KOTTAYAM PIN 686141. 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 KSBK0001338 is used to identify this branch on the RBI payments network.

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 VAIKOM MORNING AND EVENING branch came to be assigned the code KSBK0001338.

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 KSBK0001338, money simply cannot be routed to the VAIKOM MORNING AND EVENING branch electronically.

Products and account variants supported

Every account opened at the Vaikom Morning and Evening branch is mapped to IFSC KSBK0001338 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 KSBK0001338.

Banking services available

The Vaikom Morning and Evening branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 482-9225518.

• 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 KSBK0001338

How to transfer money using IFSC KSBK0001338

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 KSBK0001338 across all three.

NEFT to The Kerala State Cooperative Bank Limited, VAIKOM MORNING AND EVENING using IFSC KSBK0001338

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 KSBK0001338, and confirm that the system picks up The Kerala State Cooperative Bank Limited – VAIKOM MORNING AND EVENING. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to VAIKOM MORNING AND EVENING

If you need to transfer ₹2 lakh or more in one go to an account at The Kerala State Cooperative Bank Limited's VAIKOM MORNING AND EVENING branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KSBK0001338 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 – VAIKOM MORNING AND EVENING, use IMPS. With IFSC KSBK0001338 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 KSBK0001338 for The Kerala State Cooperative Bank Limited – VAIKOM MORNING AND 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 Vaikom Morning and 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 KSBK0001338

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 – VAIKOM MORNING AND EVENING is still mapped to IFSC KSBK0001338. 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 KSBK0001338 and the beneficiary's account number to complete the transfer.

Online banking and IFSC KSBK0001338

The Kerala State Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the VAIKOM MORNING AND EVENING 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 KSBK0001338 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 KSBK0001338 and the account number together uniquely identify the Vaikom Morning and Evening 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 KSBK0001338

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 – VAIKOM MORNING AND EVENING, 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: KSBK0001338.
• 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 Vaikom Morning and Evening branch

The branch is located at 7/358,VAIKOM,KOTTAYAM PIN 686141, 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 Vaikom Morning and Evening branch” — the verified location pin for IFSC KSBK0001338 should appear at the top of the results.
2. Confirm the branch is open by calling 482-9225518 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 KSBK0001338 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC KSBK0001338 for The Kerala State Cooperative Bank Limited – VAIKOM MORNING AND 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 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 Vaikom Morning and Evening branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KSBK0001338, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code KSBK0001338 belongs to The Kerala State Cooperative Bank Limited's VAIKOM MORNING AND EVENING branch, located at 7/358,VAIKOM,KOTTAYAM PIN 686141 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.