IFSC Code of The Kerala State Cooperative Bank Limited, Muvattupuzha Rural Branch, Kerala

If you are searching for the IFSC code of The Kerala State Cooperative Bank Limited, MUVATTUPUZHA RURAL branch in MUVATUPUZHA, KERALA, this page has every detail you need. The verified IFSC code for this branch is KSBK0001432. 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 MUVATTUPUZHA RURAL branch, and detailed step-by-step guides for using the IFSC KSBK0001432 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.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, KSBK0001432 is the IFSC of The Kerala State Cooperative Bank Limited's MUVATTUPUZHA RURAL branch. The format is fixed: KSBK = bank code, 0 = reserved, 001432 = branch identifier.

Branch details at a glance

Bank profile

The Kerala State Cooperative Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Muvattupuzha Rural branch — IFSC KSBK0001432 — extends the bank's services to customers in and around Muvatupuzha, Kerala.

Muvattupuzha Rural branch overview

Located at 865,VALLAMATTOM BUILDING,POST OFFICE JUNCTION,MUVATUPUZHA,ERNAKULAM PIN 686661, the Muvattupuzha Rural branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC KSBK0001432 is required for all interbank electronic transfers routed through this branch.

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 MUVATTUPUZHA RURAL of The Kerala State Cooperative Bank Limited — its own 11-character IFSC. The code KSBK0001432 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 KSBK0001432 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 KSBK0001432

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 KSBK0001432 across all three.

NEFT to The Kerala State Cooperative Bank Limited, MUVATTUPUZHA RURAL using IFSC KSBK0001432

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 KSBK0001432, and confirm that the system picks up The Kerala State Cooperative Bank Limited – MUVATTUPUZHA RURAL. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC KSBK0001432

RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to The Kerala State Cooperative Bank Limited – MUVATTUPUZHA RURAL, ensure your bank's portal accepts IFSC KSBK0001432 while registering the beneficiary. RTGS is also available 24x7.

IMPS to The Kerala State Cooperative Bank Limited MUVATTUPUZHA RURAL (IFSC KSBK0001432)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KSBK0001432 in your mobile or internet banking app, and the money is credited to the MUVATTUPUZHA RURAL branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Muvattupuzha Rural

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 KSBK0001432:

• 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 MUVATTUPUZHA RURAL is still linked to IFSC KSBK0001432.

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.

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 MUVATTUPUZHA RURAL branch, the IFSC KSBK0001432 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 Muvattupuzha Rural branch

Once you have an account at The Kerala State Cooperative Bank Limited – MUVATTUPUZHA RURAL, the IFSC KSBK0001432 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 Muvattupuzha Rural branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 485-2832927.

• 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 KSBK0001432

MICR & cheque-truncation details

Cheques drawn on the Muvattupuzha Rural branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC KSBK0001432 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 Muvattupuzha Rural 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 KSBK0001432 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 – MUVATTUPUZHA RURAL:

• The IFSC is exactly KSBK0001432 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 MUVATTUPUZHA RURAL 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 Muvattupuzha Rural branch sits at 865,VALLAMATTOM BUILDING,POST OFFICE JUNCTION,MUVATUPUZHA,ERNAKULAM PIN 686661. If you are travelling from outside Muvatupuzha, search for the branch on a maps application using the bank name and locality, or call 485-2832927 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 KSBK0001432 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC KSBK0001432 for The Kerala State Cooperative Bank Limited – MUVATTUPUZHA RURAL, 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 Muvattupuzha Rural branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KSBK0001432, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code KSBK0001432 belongs to The Kerala State Cooperative Bank Limited's MUVATTUPUZHA RURAL branch, located at 865,VALLAMATTOM BUILDING,POST OFFICE JUNCTION,MUVATUPUZHA,ERNAKULAM PIN 686661 in MUVATUPUZHA, 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.