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

If you are searching for the IFSC code of The Kerala State Cooperative Bank Limited, ERUMAPETTY branch in THRISSUR, KERALA, this page has every detail you need. The verified IFSC code for this branch is KSBK0001474. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the ERUMAPETTY branch, and detailed step-by-step guides for using the IFSC KSBK0001474 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.

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 ERUMAPETTY branch, the IFSC KSBK0001474 breaks down as follows: KSBK identifies the bank, 0 is the reserved character, and 001474 identifies this particular branch.

About the bank

The Kerala State Cooperative Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Erumapetty branch in Thrissur, Kerala is part of this network and uses the IFSC code KSBK0001474 for all electronic settlement.

Branch details at a glance

About this branch

The branch is located at 17/159,PALATHUMUTTIKKAL SHOPING COMPLEX,NELLUVAI,THRISSUR PIN 680584. It serves the Thrissur 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 KSBK0001474 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 ERUMAPETTY branch came to be assigned the code KSBK0001474.

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 KSBK0001474, money simply cannot be routed to the ERUMAPETTY branch electronically.

Products and account variants supported

Every account opened at the Erumapetty branch is mapped to IFSC KSBK0001474 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 KSBK0001474.

Banking services available

The Erumapetty branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 488-5262354.

• 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 KSBK0001474

How to transfer money using IFSC KSBK0001474

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 KSBK0001474 across all three.

NEFT to The Kerala State Cooperative Bank Limited, ERUMAPETTY using IFSC KSBK0001474

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 KSBK0001474, and confirm that the system picks up The Kerala State Cooperative Bank Limited – ERUMAPETTY. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to ERUMAPETTY

If you need to transfer ₹2 lakh or more in one go to an account at The Kerala State Cooperative Bank Limited's ERUMAPETTY branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KSBK0001474 while initiating the transfer and the credit will appear within minutes.

IMPS to The Kerala State Cooperative Bank Limited ERUMAPETTY (IFSC KSBK0001474)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KSBK0001474 in your mobile or internet banking app, and the money is credited to the ERUMAPETTY branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Erumapetty

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 KSBK0001474:

• 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 ERUMAPETTY is still linked to IFSC KSBK0001474.

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 KSBK0001474

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 – ERUMAPETTY is still mapped to IFSC KSBK0001474. 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 KSBK0001474 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 Erumapetty 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 KSBK0001474 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 & cheque-truncation details

Cheques drawn on the Erumapetty branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC KSBK0001474 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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 – ERUMAPETTY:

• The IFSC is exactly KSBK0001474 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 ERUMAPETTY 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 Erumapetty branch sits at 17/159,PALATHUMUTTIKKAL SHOPING COMPLEX,NELLUVAI,THRISSUR PIN 680584. If you are travelling from outside Thrissur, search for the branch on a maps application using the bank name and locality, or call 488-5262354 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 KSBK0001474 and your account number.

Verifying IFSC KSBK0001474 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 KSBK0001474 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 488-5262354.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Erumapetty 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 KSBK0001474 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code KSBK0001474 belongs to The Kerala State Cooperative Bank Limited's ERUMAPETTY branch, located at 17/159,PALATHUMUTTIKKAL SHOPING COMPLEX,NELLUVAI,THRISSUR PIN 680584 in THRISSUR, 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.