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

Use this page as a one-stop reference for everything related to The Kerala State Cooperative Bank Limited's PERINGAMMALA branch in THIRUVANANTHAPURAM, KERALA. The branch's IFSC code KSBK0001074 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.

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 PERINGAMMALA branch, the IFSC KSBK0001074 breaks down as follows: KSBK identifies the bank, 0 is the reserved character, and 001074 identifies this particular branch.

Bank profile

The Kerala State Cooperative Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Peringammala branch — IFSC KSBK0001074 — extends the bank's services to customers in and around Thiruvananthapuram, Kerala.

Branch details at a glance

Peringammala branch overview

Located at KP 14/634,SN SARIKA TOWER,PERINGAMALA,THIRUVANANTHAPURAM PIN 695563, the Peringammala branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC KSBK0001074 is required for all interbank electronic transfers routed through this branch.

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 PERINGAMMALA branch came to be assigned the code KSBK0001074.

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 KSBK0001074, money simply cannot be routed to the PERINGAMMALA branch electronically.

Products and account variants supported

Every account opened at the Peringammala branch is mapped to IFSC KSBK0001074 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 KSBK0001074.

Banking services available

The Peringammala branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 471-2400685.

• 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 KSBK0001074

How to transfer money using IFSC KSBK0001074

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 KSBK0001074 across all three.

How to use IFSC KSBK0001074 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 PERINGAMMALA 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 KSBK0001074.
4. Confirm the bank name auto-populates as The Kerala State Cooperative Bank Limited and the branch as PERINGAMMALA.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC KSBK0001074

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 – PERINGAMMALA, ensure your bank's portal accepts IFSC KSBK0001074 while registering the beneficiary. RTGS is also available 24x7.

IMPS to The Kerala State Cooperative Bank Limited PERINGAMMALA (IFSC KSBK0001074)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KSBK0001074 in your mobile or internet banking app, and the money is credited to the PERINGAMMALA branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Peringammala

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 KSBK0001074:

• 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 PERINGAMMALA is still linked to IFSC KSBK0001074.

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 KSBK0001074

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 – PERINGAMMALA is still mapped to IFSC KSBK0001074. 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 KSBK0001074 and the beneficiary's account number to complete the transfer.

Digital banking channels

Most day-to-day work that customers used to do at the Peringammala 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 KSBK0001074 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.

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 KSBK0001074 and the account number together uniquely identify the Peringammala branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Common mistakes to avoid when using IFSC KSBK0001074

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 – PERINGAMMALA, 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: KSBK0001074.
• 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 Peringammala branch

The branch is located at KP 14/634,SN SARIKA TOWER,PERINGAMALA,THIRUVANANTHAPURAM PIN 695563, 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 Peringammala branch” — the verified location pin for IFSC KSBK0001074 should appear at the top of the results.
2. Confirm the branch is open by calling 471-2400685 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 KSBK0001074 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC KSBK0001074 for The Kerala State Cooperative Bank Limited – PERINGAMMALA, 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 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 Peringammala branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KSBK0001074, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code KSBK0001074 belongs to The Kerala State Cooperative Bank Limited's PERINGAMMALA branch, located at KP 14/634,SN SARIKA TOWER,PERINGAMALA,THIRUVANANTHAPURAM PIN 695563 in THIRUVANANTHAPURAM, 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.