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

If you are searching for the IFSC code of The Kerala State Cooperative Bank Limited, NARIKKUNI branch in NARIKKUNI, KERALA, this page has every detail you need. The verified IFSC code for this branch is KSBK0001653. 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 NARIKKUNI branch, and detailed step-by-step guides for using the IFSC KSBK0001653 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 – NARIKKUNI is KSBK0001653. The first four letters KSBK are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001653 map to this branch in NARIKKUNI, 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 Narikkuni branch in Narikkuni, Kerala is part of this network and uses the IFSC code KSBK0001653 for all electronic settlement.

About the Narikkuni branch

The Narikkuni branch of The Kerala State Cooperative Bank Limited is situated at 9/737-K,UPERA S BUILDING,NARIKKUNI,NARIKKUNI,KOZHIKODE PIN 673583. 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 KSBK0001653 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 NARIKKUNI branch came to be assigned the code KSBK0001653.

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 KSBK0001653, money simply cannot be routed to the NARIKKUNI branch electronically.

How to transfer money using IFSC KSBK0001653

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 KSBK0001653 across all three.

NEFT to The Kerala State Cooperative Bank Limited, NARIKKUNI using IFSC KSBK0001653

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 KSBK0001653, and confirm that the system picks up The Kerala State Cooperative Bank Limited – NARIKKUNI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to NARIKKUNI

If you need to transfer ₹2 lakh or more in one go to an account at The Kerala State Cooperative Bank Limited's NARIKKUNI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KSBK0001653 while initiating the transfer and the credit will appear within minutes.

IMPS to The Kerala State Cooperative Bank Limited NARIKKUNI (IFSC KSBK0001653)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KSBK0001653 in your mobile or internet banking app, and the money is credited to the NARIKKUNI branch account within seconds.

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

All three modes accept the IFSC KSBK0001653 for The Kerala State Cooperative Bank Limited – NARIKKUNI, 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 Narikkuni 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 KSBK0001653

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 – NARIKKUNI is still mapped to IFSC KSBK0001653. 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 KSBK0001653 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Narikkuni branch is mapped to IFSC KSBK0001653 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 KSBK0001653.

Products and services

Customers walking into the Narikkuni 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 KSBK0001653

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 KSBK0001653 and the account number together uniquely identify the Narikkuni 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 Narikkuni 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 KSBK0001653 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 – NARIKKUNI:

• The IFSC is exactly KSBK0001653 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 NARIKKUNI 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 Narikkuni branch sits at 9/737-K,UPERA S BUILDING,NARIKKUNI,NARIKKUNI,KOZHIKODE PIN 673583. If you are travelling from outside Narikkuni, search for the branch on a maps application using the bank name and locality, or call 495-2246577 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 KSBK0001653 and your account number.

Verifying IFSC KSBK0001653 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 KSBK0001653 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 495-2246577.
• 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 Narikkuni branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KSBK0001653, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code KSBK0001653 belongs to The Kerala State Cooperative Bank Limited's NARIKKUNI branch, located at 9/737-K,UPERA S BUILDING,NARIKKUNI,NARIKKUNI,KOZHIKODE PIN 673583 in NARIKKUNI, 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.