This page lists the IFSC code, branch address, contact number and fund-transfer information for The Kerala State Cooperative Bank Limited, PERLA branch in PERLA. The 11-digit IFSC KSBK0001815 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 PERLA 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.
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, KSBK0001815 is the IFSC of The Kerala State Cooperative Bank Limited's PERLA branch. The format is fixed: KSBK = bank code, 0 = reserved, 001815 = 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 Perla branch in Perla. 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, KSBK0001815.
Branch details at a glance
| Bank Name | The Kerala State Cooperative Bank Limited |
|---|---|
| Branch | Perla |
| IFSC Code | KSBK0001815 |
| MICR Code | Refer to cheque leaf |
| Branch Address | IX/165,PERLA,KASARAGOD PIN 671552 |
| City | Perla |
| District | Kasaragod |
| State | Kerala |
| STD Code | 499 |
| Phone | 8225098 |
About this branch
The branch is located at IX/165,PERLA,KASARAGOD PIN 671552. It serves the Perla 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 KSBK0001815 is used to identify this branch on the RBI payments network.
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 PERLA branch came to be assigned the code KSBK0001815.
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 KSBK0001815, money simply cannot be routed to the PERLA branch electronically.
Products and account variants supported
Every account opened at the Perla branch is mapped to IFSC KSBK0001815 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 KSBK0001815.
Banking services available
The Perla branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 499-8225098.
- 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 KSBK0001815
How to transfer money using IFSC KSBK0001815
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 KSBK0001815 across all three.
NEFT to The Kerala State Cooperative Bank Limited, PERLA using IFSC KSBK0001815
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 KSBK0001815, and confirm that the system picks up The Kerala State Cooperative Bank Limited – PERLA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC KSBK0001815
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 – PERLA, ensure your bank's portal accepts IFSC KSBK0001815 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 – PERLA, use IMPS. With IFSC KSBK0001815 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 KSBK0001815 for The Kerala State Cooperative Bank Limited – PERLA, 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – KSBK0001815 | Yes – KSBK0001815 | Yes – KSBK0001815 |
For most retail customers crediting the Perla 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 KSBK0001815
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 – PERLA is still mapped to IFSC KSBK0001815. 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 KSBK0001815 and the beneficiary's account number to complete the transfer.
Online banking and IFSC KSBK0001815
The Kerala State Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the PERLA 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 KSBK0001815 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 & cheque-truncation details
Cheques drawn on the Perla branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC KSBK0001815 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Common mistakes to avoid when using IFSC KSBK0001815
An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to The Kerala State Cooperative Bank Limited – PERLA, double-check for these issues:
- Confusing 0 with O. The fifth character of every IFSC is the digit
0, not the letter O. Read carefully. - Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters:
KSBK0001815. - Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
- Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
- Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.
How to reach the Perla branch
The branch is located at IX/165,PERLA,KASARAGOD PIN 671552, which puts it inside Perla, the broader Kasaragod district, and the state of Kerala. To plan your visit:
- Open Google Maps on your phone and search for “The Kerala State Cooperative Bank Limited Perla branch” — the verified location pin for IFSC KSBK0001815 should appear at the top of the results.
- Confirm the branch is open by calling 499-8225098 before stepping out, especially around public holidays.
- Carry photo ID and any account-related documents you may need for the transaction you plan to do.
Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC KSBK0001815 and your account number.
Verifying IFSC KSBK0001815 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 KSBK0001815 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 499-8225098.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Perla 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 KSBK0001815 continue to work without interruption.
Branch address & contact
The Kerala State Cooperative Bank LimitedPerla Branch
IX/165,PERLA,KASARAGOD PIN 671552
Perla, Kerala
Phone: 499-8225098
IFSC: KSBK0001815
Frequently asked questions
Is IFSC KSBK0001815 valid for NEFT and RTGS?
Yes. IFSC KSBK0001815 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Is IFSC KSBK0001815 the same for all accounts at Perla branch?
Yes. The IFSC KSBK0001815 is shared by every account held at The Kerala State Cooperative Bank Limited's Perla branch. Only the account number changes from customer to customer.
How do I add The Kerala State Cooperative Bank Limited Perla as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC KSBK0001815, and complete OTP verification. Once activated, you can transfer funds at any time.
Can I use IFSC KSBK0001815 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC KSBK0001815 to send funds instantly.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Perla branch but serve different purposes.
Does The Kerala State Cooperative Bank Limited Perla branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 499-8225098 to confirm.
Where is The Kerala State Cooperative Bank Limited Perla branch located?
The Kerala State Cooperative Bank Limited's Perla branch is located at IX/165,PERLA,KASARAGOD PIN 671552, Perla, Kerala.
How quickly will an NEFT transfer using KSBK0001815 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to The Kerala State Cooperative Bank Limited – Perla reflect within 30 minutes.
Final notes
To recap: KSBK0001815 is the IFSC code of The Kerala State Cooperative Bank Limited, PERLA branch, in PERLA, 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.
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