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

If you are searching for the IFSC code of The Kerala State Cooperative Bank Limited, VELLAYIL branch in KOZHIKODE, KERALA, this page has every detail you need. The verified IFSC code for this branch is KSBK0001676. 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 VELLAYIL branch, and detailed step-by-step guides for using the IFSC KSBK0001676 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.

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 VELLAYIL branch, the IFSC KSBK0001676 breaks down as follows: KSBK identifies the bank, 0 is the reserved character, and 001676 identifies this particular branch.

Branch details at a glance

About The Kerala State Cooperative Bank Limited

The Kerala State Cooperative Bank Limited operates a wide network of branches across India, including the Vellayil branch in Kozhikode. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, KSBK0001676.

Vellayil branch overview

Located at /1-,ICD,VLLYIL,VLLYIL,KOZHIKODPIN, the Vellayil branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC KSBK0001676 is required for all interbank electronic transfers routed through this branch.

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 VELLAYIL branch came to be assigned the code KSBK0001676.

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 KSBK0001676, money simply cannot be routed to the VELLAYIL branch electronically.

How to transfer money using IFSC KSBK0001676

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 KSBK0001676 across all three.

NEFT to The Kerala State Cooperative Bank Limited, VELLAYIL using IFSC KSBK0001676

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 KSBK0001676, and confirm that the system picks up The Kerala State Cooperative Bank Limited – VELLAYIL. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to VELLAYIL

If you need to transfer ₹2 lakh or more in one go to an account at The Kerala State Cooperative Bank Limited's VELLAYIL branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KSBK0001676 while initiating the transfer and the credit will appear within minutes.

IMPS to The Kerala State Cooperative Bank Limited VELLAYIL (IFSC KSBK0001676)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KSBK0001676 in your mobile or internet banking app, and the money is credited to the VELLAYIL branch account within seconds.

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

All three modes accept the IFSC KSBK0001676 for The Kerala State Cooperative Bank Limited – VELLAYIL, 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 Vellayil 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 KSBK0001676

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 – VELLAYIL is still mapped to IFSC KSBK0001676. 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 KSBK0001676 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Vellayil branch is mapped to IFSC KSBK0001676 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 KSBK0001676.

Banking services available

The Vellayil branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 495-2767839.

• 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 KSBK0001676

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 KSBK0001676 and the account number together uniquely identify the Vellayil branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Digital banking channels

Most day-to-day work that customers used to do at the Vellayil 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 KSBK0001676 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.

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 – VELLAYIL:

• The IFSC is exactly KSBK0001676 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 VELLAYIL 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.

How to reach the Vellayil branch

The branch is located at /1-,ICD,VLLYIL,VLLYIL,KOZHIKODPIN, which puts it inside Kozhikode, the broader Kozhikode 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 Vellayil branch” — the verified location pin for IFSC KSBK0001676 should appear at the top of the results.
2. Confirm the branch is open by calling 495-2767839 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 KSBK0001676 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC KSBK0001676 for The Kerala State Cooperative Bank Limited – VELLAYIL, 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 Vellayil branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KSBK0001676, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: KSBK0001676 is the IFSC code of The Kerala State Cooperative Bank Limited, VELLAYIL branch, in KOZHIKODE, KERALA. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.