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

If you are searching for the IFSC code of The Kerala State Cooperative Bank Limited, THAMARAKULAM branch in MAVELIKARA, KERALA, this page has every detail you need. The verified IFSC code for this branch is KSBK0001277. 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 THAMARAKULAM branch, and detailed step-by-step guides for using the IFSC KSBK0001277 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 – THAMARAKULAM is KSBK0001277. The first four letters KSBK are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001277 map to this branch in MAVELIKARA, KERALA.

Branch details at a glance

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 Thamarakulam branch in Mavelikara, Kerala is part of this network and uses the IFSC code KSBK0001277 for all electronic settlement.

About the Thamarakulam branch

The Thamarakulam branch of The Kerala State Cooperative Bank Limited is situated at 280,THAMARAKULAM,ALAPPUZHA PIN 690530. 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 KSBK0001277 is used.

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 THAMARAKULAM branch came to be assigned the code KSBK0001277.

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 KSBK0001277, money simply cannot be routed to the THAMARAKULAM branch electronically.

How to transfer money using IFSC KSBK0001277

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 KSBK0001277 across all three.

NEFT to The Kerala State Cooperative Bank Limited, THAMARAKULAM using IFSC KSBK0001277

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 KSBK0001277, and confirm that the system picks up The Kerala State Cooperative Bank Limited – THAMARAKULAM. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to THAMARAKULAM

If you need to transfer ₹2 lakh or more in one go to an account at The Kerala State Cooperative Bank Limited's THAMARAKULAM branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KSBK0001277 while initiating the transfer and the credit will appear within minutes.

IMPS to The Kerala State Cooperative Bank Limited THAMARAKULAM (IFSC KSBK0001277)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KSBK0001277 in your mobile or internet banking app, and the money is credited to the THAMARAKULAM branch account within seconds.

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

All three modes accept the IFSC KSBK0001277 for The Kerala State Cooperative Bank Limited – THAMARAKULAM, 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 Thamarakulam 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.

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 THAMARAKULAM branch, the IFSC KSBK0001277 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.

Account types you can open at the Thamarakulam branch

Once you have an account at The Kerala State Cooperative Bank Limited – THAMARAKULAM, the IFSC KSBK0001277 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.

Products and services

Customers walking into the Thamarakulam branch can access most of The Kerala State Cooperative Bank Limited's standard product suite, including:

• Account opening – savings, current, NRI, salary
• Term deposits and recurring deposits
• Retail and small-business loans
• Insurance and mutual-fund tie-ups
• Locker, safe deposit and ATM card services
• Online and mobile banking activation
• Electronic transfers via IFSC KSBK0001277

MICR & cheque-truncation details

Cheques drawn on the Thamarakulam branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC KSBK0001277 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 Thamarakulam 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 KSBK0001277 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 KSBK0001277

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 – THAMARAKULAM, 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: KSBK0001277.
• 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.

Reaching the branch

The Thamarakulam branch sits at 280,THAMARAKULAM,ALAPPUZHA PIN 690530. If you are travelling from outside Mavelikara, search for the branch on a maps application using the bank name and locality, or call 479-2370064 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 KSBK0001277 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC KSBK0001277 for The Kerala State Cooperative Bank Limited – THAMARAKULAM, 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.

Working hours

Branch counters at Thamarakulam 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 KSBK0001277 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: KSBK0001277 is the IFSC code of The Kerala State Cooperative Bank Limited, THAMARAKULAM branch, in MAVELIKARA, 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.