Below are the complete branch details for The Kerala State Cooperative Bank Limited, KOZHIKODE branch, located in KOZHIKODE, KERALA. The IFSC assigned by the Reserve Bank of India to this branch is KSBK0000011. 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 KSBK0000011 for The Kerala State Cooperative Bank Limited – KOZHIKODE — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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 – KOZHIKODE is KSBK0000011. The first four letters KSBK are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000011 map to this branch in KOZHIKODE, KERALA.
Branch details at a glance
| Bank Name | The Kerala State Cooperative Bank Limited |
|---|---|
| Branch | Kozhikode |
| IFSC Code | KSBK0000011 |
| MICR Code | Refer to cheque leaf |
| Branch Address | MOULANA MOHAMMED ALI ROAD,P.B.NO.556,KOZHIKODE |
| City | Kozhikode |
| District | Kozhikode |
| State | Kerala |
| STD Code | 495 |
| Phone | 2703498 |
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 Kozhikode branch in Kozhikode, Kerala is part of this network and uses the IFSC code KSBK0000011 for all electronic settlement.
About this branch
The branch is located at MOULANA MOHAMMED ALI ROAD,P.B.NO.556,KOZHIKODE. It serves the Kozhikode 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 KSBK0000011 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 KOZHIKODE of The Kerala State Cooperative Bank Limited — its own 11-character IFSC. The code KSBK0000011 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 KSBK0000011 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 KSBK0000011
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 KSBK0000011 across all three.
NEFT to The Kerala State Cooperative Bank Limited, KOZHIKODE using IFSC KSBK0000011
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 KSBK0000011, and confirm that the system picks up The Kerala State Cooperative Bank Limited – KOZHIKODE. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to KOZHIKODE
If you need to transfer ₹2 lakh or more in one go to an account at The Kerala State Cooperative Bank Limited's KOZHIKODE branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KSBK0000011 while initiating the transfer and the credit will appear within minutes.
IMPS to The Kerala State Cooperative Bank Limited KOZHIKODE (IFSC KSBK0000011)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KSBK0000011 in your mobile or internet banking app, and the money is credited to the KOZHIKODE branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Kozhikode
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 KSBK0000011:
- 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 KOZHIKODE is still linked to IFSC KSBK0000011.
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 KSBK0000011
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 – KOZHIKODE is still mapped to IFSC KSBK0000011. 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 KSBK0000011 and the beneficiary's account number to complete the transfer.
Account types you can open at the Kozhikode branch
Once you have an account at The Kerala State Cooperative Bank Limited – KOZHIKODE, the IFSC KSBK0000011 stays the same regardless of the type of account you hold. The branch typically supports the following options:
- Savings account — for individuals, with chequebook, ATM card and net-banking access.
- Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
- Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
- NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
- Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
- Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
- Minor and student accounts — operated jointly with a guardian until the customer turns 18.
Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.
Banking services available
The Kozhikode branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 495-2703498.
- 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 KSBK0000011
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 KSBK0000011 and the account number together uniquely identify the Kozhikode branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC KSBK0000011
The Kerala State Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the KOZHIKODE 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 KSBK0000011 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.
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 – KOZHIKODE:
- The IFSC is exactly KSBK0000011 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 KOZHIKODE 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.
Reaching the branch
The Kozhikode branch sits at MOULANA MOHAMMED ALI ROAD,P.B.NO.556,KOZHIKODE. If you are travelling from outside Kozhikode, search for the branch on a maps application using the bank name and locality, or call 495-2703498 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 KSBK0000011 and your account number.
Verifying IFSC KSBK0000011 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 KSBK0000011 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 495-2703498.
- 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 Kozhikode branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KSBK0000011, however, work 24x7.
Branch address & contact
The Kerala State Cooperative Bank LimitedKozhikode Branch
MOULANA MOHAMMED ALI ROAD,P.B.NO.556,KOZHIKODE
Kozhikode, Kerala
Phone: 495-2703498
IFSC: KSBK0000011
Frequently asked questions
What is the IFSC code of The Kerala State Cooperative Bank Limited Kozhikode branch?
The IFSC code of The Kerala State Cooperative Bank Limited, Kozhikode branch is KSBK0000011. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC KSBK0000011 the same for all accounts at Kozhikode branch?
Yes. The IFSC KSBK0000011 is shared by every account held at The Kerala State Cooperative Bank Limited's Kozhikode branch. Only the account number changes from customer to customer.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Kozhikode branch but serve different purposes.
How do I add The Kerala State Cooperative Bank Limited Kozhikode as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC KSBK0000011, and complete OTP verification. Once activated, you can transfer funds at any time.
Where is The Kerala State Cooperative Bank Limited Kozhikode branch located?
The Kerala State Cooperative Bank Limited's Kozhikode branch is located at MOULANA MOHAMMED ALI ROAD,P.B.NO.556,KOZHIKODE, Kozhikode, Kerala.
Can I use IFSC KSBK0000011 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC KSBK0000011 to send funds instantly.
Is IFSC KSBK0000011 valid for NEFT and RTGS?
Yes. IFSC KSBK0000011 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Summary
The IFSC code KSBK0000011 belongs to The Kerala State Cooperative Bank Limited's KOZHIKODE branch, located at MOULANA MOHAMMED ALI ROAD,P.B.NO.556,KOZHIKODE in KOZHIKODE, 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.
