IFSC Code of The Kerala State Cooperative Bank Limited, North Mynagappally Branch, Kerala

This page lists the IFSC code, branch address, contact number and fund-transfer information for The Kerala State Cooperative Bank Limited, NORTH MYNAGAPPALLY branch in NORTH MYNAGPPALLY. The 11-digit IFSC KSBK0001147 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with The Kerala State Cooperative Bank Limited at the NORTH MYNAGAPPALLY location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this 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 – NORTH MYNAGAPPALLY is KSBK0001147. The first four letters KSBK are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001147 map to this branch in NORTH MYNAGPPALLY, 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 North Mynagappally branch in North Mynagppally, Kerala is part of this network and uses the IFSC code KSBK0001147 for all electronic settlement.

About the North Mynagappally branch

The North Mynagappally branch of The Kerala State Cooperative Bank Limited is situated at .51NRHYNAGAALLYKLLAIN. 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 KSBK0001147 is used.

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 NORTH MYNAGAPPALLY of The Kerala State Cooperative Bank Limited — its own 11-character IFSC. The code KSBK0001147 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 KSBK0001147 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 KSBK0001147

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 KSBK0001147 across all three.

NEFT to The Kerala State Cooperative Bank Limited, NORTH MYNAGAPPALLY using IFSC KSBK0001147

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 KSBK0001147, and confirm that the system picks up The Kerala State Cooperative Bank Limited – NORTH MYNAGAPPALLY. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to NORTH MYNAGAPPALLY

If you need to transfer ₹2 lakh or more in one go to an account at The Kerala State Cooperative Bank Limited's NORTH MYNAGAPPALLY branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KSBK0001147 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to The Kerala State Cooperative Bank Limited – NORTH MYNAGAPPALLY, use IMPS. With IFSC KSBK0001147 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

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

All three modes accept the IFSC KSBK0001147 for The Kerala State Cooperative Bank Limited – NORTH MYNAGAPPALLY, 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 North Mynagappally 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 KSBK0001147

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 – NORTH MYNAGAPPALLY is still mapped to IFSC KSBK0001147. 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 KSBK0001147 and the beneficiary's account number to complete the transfer.

Account types you can open at the North Mynagappally branch

Once you have an account at The Kerala State Cooperative Bank Limited – NORTH MYNAGAPPALLY, the IFSC KSBK0001147 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 North Mynagappally branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 476-2848003.

• 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 KSBK0001147

MICR & cheque-truncation details

Cheques drawn on the North Mynagappally branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC KSBK0001147 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 North Mynagappally 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 KSBK0001147 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 – NORTH MYNAGAPPALLY:

• The IFSC is exactly KSBK0001147 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 NORTH MYNAGAPPALLY 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 North Mynagappally branch sits at .51NRHYNAGAALLYKLLAIN. If you are travelling from outside North Mynagppally, search for the branch on a maps application using the bank name and locality, or call 476-2848003 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 KSBK0001147 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC KSBK0001147 for The Kerala State Cooperative Bank Limited – NORTH MYNAGAPPALLY, 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 North Mynagappally branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KSBK0001147, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: KSBK0001147 is the IFSC code of The Kerala State Cooperative Bank Limited, NORTH MYNAGAPPALLY branch, in NORTH MYNAGPPALLY, 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.