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

Use this page as a one-stop reference for everything related to The Kerala State Cooperative Bank Limited's PAYYANUR branch in PAYYANUR, KERALA. The branch's IFSC code KSBK0001762 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

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, KSBK0001762 is the IFSC of The Kerala State Cooperative Bank Limited's PAYYANUR branch. The format is fixed: KSBK = bank code, 0 = reserved, 001762 = branch identifier.

About The Kerala State Cooperative Bank Limited

The Kerala State Cooperative Bank Limited operates a wide network of branches across India, including the Payyanur branch in Payyanur. 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, KSBK0001762.

About the Payyanur branch

The Payyanur branch of The Kerala State Cooperative Bank Limited is situated at 16/692,PAYYANUR,KANNUR PIN 670307. 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 KSBK0001762 is used.

Branch details at a glance

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 PAYYANUR of The Kerala State Cooperative Bank Limited — its own 11-character IFSC. The code KSBK0001762 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 KSBK0001762 the same way you would treat your account number — verify it once and save it carefully for future use.

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 KSBK0001762 and the account number together uniquely identify the Payyanur branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC KSBK0001762

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 KSBK0001762 across all three.

How to use IFSC KSBK0001762 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to The Kerala State Cooperative Bank Limited's PAYYANUR branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC KSBK0001762.
4. Confirm the bank name auto-populates as The Kerala State Cooperative Bank Limited and the branch as PAYYANUR.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to PAYYANUR

If you need to transfer ₹2 lakh or more in one go to an account at The Kerala State Cooperative Bank Limited's PAYYANUR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KSBK0001762 while initiating the transfer and the credit will appear within minutes.

IMPS to The Kerala State Cooperative Bank Limited PAYYANUR (IFSC KSBK0001762)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KSBK0001762 in your mobile or internet banking app, and the money is credited to the PAYYANUR branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Payyanur

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 KSBK0001762:

• 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 PAYYANUR is still linked to IFSC KSBK0001762.

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.

UPI payments and IFSC KSBK0001762

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 – PAYYANUR is still mapped to IFSC KSBK0001762. 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 KSBK0001762 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Payyanur branch is mapped to IFSC KSBK0001762 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 KSBK0001762.

Banking services available

The Payyanur branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 498-5203058.

• 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 KSBK0001762

Digital banking channels

Most day-to-day work that customers used to do at the Payyanur 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 KSBK0001762 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.

Reaching the branch

The Payyanur branch sits at 16/692,PAYYANUR,KANNUR PIN 670307. If you are travelling from outside Payyanur, search for the branch on a maps application using the bank name and locality, or call 498-5203058 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 KSBK0001762 and your account number.

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 – PAYYANUR:

• The IFSC is exactly KSBK0001762 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 PAYYANUR 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.

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 Payyanur branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KSBK0001762, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC KSBK0001762 for The Kerala State Cooperative Bank Limited – PAYYANUR, 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 address & contact

Frequently asked questions

Final notes

To recap: KSBK0001762 is the IFSC code of The Kerala State Cooperative Bank Limited, PAYYANUR branch, in PAYYANUR, 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.