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

This page lists the IFSC code, branch address, contact number and fund-transfer information for The Kerala State Cooperative Bank Limited, PALODE branch in THIRUVANANTHAPURAM. The 11-digit IFSC KSBK0001069 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 PALODE 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 – PALODE is KSBK0001069. The first four letters KSBK are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001069 map to this branch in THIRUVANANTHAPURAM, KERALA.

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 Palode branch — IFSC KSBK0001069 — extends the bank's services to customers in and around Thiruvananthapuram, Kerala.

About the Palode branch

The Palode branch of The Kerala State Cooperative Bank Limited is situated at PP 14/63,HRV BUILDINGS,PALODE,PACHA PO,THIRUVANANTHAPURAM PIN 695562. 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 KSBK0001069 is used.

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 PALODE branch came to be assigned the code KSBK0001069.

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 KSBK0001069, money simply cannot be routed to the PALODE branch electronically.

How to transfer money using IFSC KSBK0001069

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 KSBK0001069 across all three.

How to use IFSC KSBK0001069 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 PALODE 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 KSBK0001069.
4. Confirm the bank name auto-populates as The Kerala State Cooperative Bank Limited and the branch as PALODE.
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 PALODE

If you need to transfer ₹2 lakh or more in one go to an account at The Kerala State Cooperative Bank Limited's PALODE branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KSBK0001069 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 – PALODE, use IMPS. With IFSC KSBK0001069 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 KSBK0001069 for The Kerala State Cooperative Bank Limited – PALODE, 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 Palode 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 KSBK0001069

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 – PALODE is still mapped to IFSC KSBK0001069. 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 KSBK0001069 and the beneficiary's account number to complete the transfer.

Account types you can open at the Palode branch

Once you have an account at The Kerala State Cooperative Bank Limited – PALODE, the IFSC KSBK0001069 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.

Products and services

Customers walking into the Palode 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 KSBK0001069

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 KSBK0001069 and the account number together uniquely identify the Palode branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC KSBK0001069

The Kerala State Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the PALODE 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 KSBK0001069 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.

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 – PALODE:

• The IFSC is exactly KSBK0001069 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 PALODE 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.

How to reach the Palode branch

The branch is located at PP 14/63,HRV BUILDINGS,PALODE,PACHA PO,THIRUVANANTHAPURAM PIN 695562, which puts it inside Thiruvananthapuram, the broader Thiruvananthapuram district, and the state of Kerala. To plan your visit:

1. Open Google Maps on your phone and search for “The Kerala State Cooperative Bank Limited Palode branch” — the verified location pin for IFSC KSBK0001069 should appear at the top of the results.
2. Confirm the branch is open by calling 472-2840247 before stepping out, especially around public holidays.
3. 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 KSBK0001069 and your account number.

Verifying IFSC KSBK0001069 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 KSBK0001069 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 472-2840247.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Palode 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 KSBK0001069 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: KSBK0001069 is the IFSC code of The Kerala State Cooperative Bank Limited, PALODE branch, in THIRUVANANTHAPURAM, 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.