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

If you are searching for the IFSC code of The Kerala State Cooperative Bank Limited, SHORNUR branch in PALAKKAD, KERALA, this page has every detail you need. The verified IFSC code for this branch is KSBK0001555. 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 SHORNUR branch, and detailed step-by-step guides for using the IFSC KSBK0001555 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 SHORNUR branch, the IFSC KSBK0001555 breaks down as follows: KSBK identifies the bank, 0 is the reserved character, and 001555 identifies this particular branch.

About The Kerala State Cooperative Bank Limited

The Kerala State Cooperative Bank Limited operates a wide network of branches across India, including the Shornur branch in Palakkad. 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, KSBK0001555.

Branch details at a glance

About this branch

The branch is located at 7/18 -S,SANTHOSH ARCADE,SHORNUR,PALAKKAD PIN 679121. It serves the Palakkad region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of The Kerala State Cooperative Bank Limited. The IFSC KSBK0001555 is used to identify this branch on the RBI payments network.

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 SHORNUR of The Kerala State Cooperative Bank Limited — its own 11-character IFSC. The code KSBK0001555 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 KSBK0001555 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Shornur branch is mapped to IFSC KSBK0001555 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 KSBK0001555.

Banking services available

The Shornur branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 466-2223258.

• 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 KSBK0001555

How to transfer money using IFSC KSBK0001555

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 KSBK0001555 across all three.

NEFT to The Kerala State Cooperative Bank Limited, SHORNUR using IFSC KSBK0001555

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 KSBK0001555, and confirm that the system picks up The Kerala State Cooperative Bank Limited – SHORNUR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC KSBK0001555

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 – SHORNUR, ensure your bank's portal accepts IFSC KSBK0001555 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to The Kerala State Cooperative Bank Limited – SHORNUR, use IMPS. With IFSC KSBK0001555 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 KSBK0001555 for The Kerala State Cooperative Bank Limited – SHORNUR, 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 Shornur 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 SHORNUR branch, the IFSC KSBK0001555 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.

Online banking and IFSC KSBK0001555

The Kerala State Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the SHORNUR branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC KSBK0001555 is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.

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 KSBK0001555 and the account number together uniquely identify the Shornur branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – SHORNUR:

• The IFSC is exactly KSBK0001555 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 SHORNUR 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 Shornur branch sits at 7/18 -S,SANTHOSH ARCADE,SHORNUR,PALAKKAD PIN 679121. If you are travelling from outside Palakkad, search for the branch on a maps application using the bank name and locality, or call 466-2223258 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 KSBK0001555 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC KSBK0001555 for The Kerala State Cooperative Bank Limited – SHORNUR, 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 Shornur 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 KSBK0001555 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: KSBK0001555 is the IFSC code of The Kerala State Cooperative Bank Limited, SHORNUR branch, in PALAKKAD, 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.