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

If you are searching for the IFSC code of The Kerala State Cooperative Bank Limited, VELIYAM branch in VELIYAM, KERALA, this page has every detail you need. The verified IFSC code for this branch is KSBK0001166. 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 VELIYAM branch, and detailed step-by-step guides for using the IFSC KSBK0001166 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 VELIYAM branch, the IFSC KSBK0001166 breaks down as follows: KSBK identifies the bank, 0 is the reserved character, and 001166 identifies this particular branch.

Branch details at a glance

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 Veliyam branch in Veliyam, Kerala is part of this network and uses the IFSC code KSBK0001166 for all electronic settlement.

About this branch

The branch is located at PII/486-B,ELIYAM,KOLLAMPIN. It serves the Veliyam 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 KSBK0001166 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 VELIYAM branch came to be assigned the code KSBK0001166.

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 KSBK0001166, money simply cannot be routed to the VELIYAM branch electronically.

How to transfer money using IFSC KSBK0001166

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 KSBK0001166 across all three.

How to use IFSC KSBK0001166 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 VELIYAM 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 KSBK0001166.
4. Confirm the bank name auto-populates as The Kerala State Cooperative Bank Limited and the branch as VELIYAM.
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 KSBK0001166

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 – VELIYAM, ensure your bank's portal accepts IFSC KSBK0001166 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 – VELIYAM, use IMPS. With IFSC KSBK0001166 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Veliyam

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 KSBK0001166:

• 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 VELIYAM is still linked to IFSC KSBK0001166.

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 KSBK0001166

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 – VELIYAM is still mapped to IFSC KSBK0001166. 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 KSBK0001166 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Veliyam branch is mapped to IFSC KSBK0001166 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 KSBK0001166.

Banking services available

The Veliyam branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 474-2462035.

• 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 KSBK0001166

MICR & cheque-truncation details

Cheques drawn on the Veliyam branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC KSBK0001166 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 Veliyam 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 KSBK0001166 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 – VELIYAM:

• The IFSC is exactly KSBK0001166 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 VELIYAM 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 Veliyam branch

The branch is located at PII/486-B,ELIYAM,KOLLAMPIN, which puts it inside Veliyam, the broader Kollam 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 Veliyam branch” — the verified location pin for IFSC KSBK0001166 should appear at the top of the results.
2. Confirm the branch is open by calling 474-2462035 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 KSBK0001166 and your account number.

Verifying IFSC KSBK0001166 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 KSBK0001166 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 474-2462035.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Veliyam 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 KSBK0001166 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: KSBK0001166 is the IFSC code of The Kerala State Cooperative Bank Limited, VELIYAM branch, in VELIYAM, 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.