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

Below are the complete branch details for The Kerala State Cooperative Bank Limited, PAZHAKULAM branch, located in PAZHAKULAM, KERALA. The IFSC assigned by the Reserve Bank of India to this branch is KSBK0001207. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case KSBK0001207 for The Kerala State Cooperative Bank Limited – PAZHAKULAM — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 PAZHAKULAM branch, the IFSC KSBK0001207 breaks down as follows: KSBK identifies the bank, 0 is the reserved character, and 001207 identifies this particular branch.

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 Pazhakulam branch — IFSC KSBK0001207 — extends the bank's services to customers in and around Pazhakulam, Kerala.

About this branch

The branch is located at VII-293,PAZHAKULAM,PATHANAMTHITTA PIN 691554. It serves the Pazhakulam 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 KSBK0001207 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 PAZHAKULAM of The Kerala State Cooperative Bank Limited — its own 11-character IFSC. The code KSBK0001207 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 KSBK0001207 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 KSBK0001207

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 KSBK0001207 across all three.

NEFT to The Kerala State Cooperative Bank Limited, PAZHAKULAM using IFSC KSBK0001207

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 KSBK0001207, and confirm that the system picks up The Kerala State Cooperative Bank Limited – PAZHAKULAM. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to PAZHAKULAM

If you need to transfer ₹2 lakh or more in one go to an account at The Kerala State Cooperative Bank Limited's PAZHAKULAM branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KSBK0001207 while initiating the transfer and the credit will appear within minutes.

IMPS to The Kerala State Cooperative Bank Limited PAZHAKULAM (IFSC KSBK0001207)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KSBK0001207 in your mobile or internet banking app, and the money is credited to the PAZHAKULAM branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Pazhakulam

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 KSBK0001207:

• 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 PAZHAKULAM is still linked to IFSC KSBK0001207.

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 KSBK0001207

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 – PAZHAKULAM is still mapped to IFSC KSBK0001207. 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 KSBK0001207 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Pazhakulam branch is mapped to IFSC KSBK0001207 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 KSBK0001207.

Products and services

Customers walking into the Pazhakulam 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 KSBK0001207

MICR & cheque-truncation details

Cheques drawn on the Pazhakulam branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC KSBK0001207 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 Pazhakulam 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 KSBK0001207 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 – PAZHAKULAM:

• The IFSC is exactly KSBK0001207 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 PAZHAKULAM 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 Pazhakulam branch sits at VII-293,PAZHAKULAM,PATHANAMTHITTA PIN 691554. If you are travelling from outside Pazhakulam, search for the branch on a maps application using the bank name and locality, or call 473-4237170 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 KSBK0001207 and your account number.

Verifying IFSC KSBK0001207 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 KSBK0001207 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 473-4237170.
• 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 Pazhakulam branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KSBK0001207, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code KSBK0001207 belongs to The Kerala State Cooperative Bank Limited's PAZHAKULAM branch, located at VII-293,PAZHAKULAM,PATHANAMTHITTA PIN 691554 in PAZHAKULAM, 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.