IFSC Code of The Kurmanchal Nagar Sahakari Bank Limited, Garur Branch, Uttarakhand

If you are searching for the IFSC code of The Kurmanchal Nagar Sahakari Bank Limited, GARUR branch in GARUR, UTTARAKHAND, this page has every detail you need. The verified IFSC code for this branch is KNSB0010036. 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 GARUR branch, and detailed step-by-step guides for using the IFSC KNSB0010036 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.

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 Kurmanchal Nagar Sahakari Bank Limited – GARUR is KNSB0010036. The first four letters KNSB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 010036 map to this branch in GARUR, UTTARAKHAND.

Bank profile

The Kurmanchal Nagar Sahakari Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Garur branch — IFSC KNSB0010036 — extends the bank's services to customers in and around Garur, Uttarakhand.

Branch details at a glance

Garur branch overview

Located at NEAR KUMAUN PHARMACY GARUR BAGESHWAR, the Garur branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC KNSB0010036 is required for all interbank electronic transfers routed through this branch.

Why every The Kurmanchal Nagar Sahakari Bank Limited branch has a unique IFSC

Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including GARUR of The Kurmanchal Nagar Sahakari Bank Limited — its own 11-character IFSC. The code KNSB0010036 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.

Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC KNSB0010036 the same way you would treat your account number — verify it once and save it carefully for future use.

Account types you can open at the Garur branch

Once you have an account at The Kurmanchal Nagar Sahakari Bank Limited – GARUR, the IFSC KNSB0010036 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 Garur branch can access most of The Kurmanchal Nagar Sahakari 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 KNSB0010036

How to transfer money using IFSC KNSB0010036

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 KNSB0010036 across all three.

How to use IFSC KNSB0010036 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to The Kurmanchal Nagar Sahakari Bank Limited's GARUR 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 KNSB0010036.
4. Confirm the bank name auto-populates as The Kurmanchal Nagar Sahakari Bank Limited and the branch as GARUR.
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 GARUR

If you need to transfer ₹2 lakh or more in one go to an account at The Kurmanchal Nagar Sahakari Bank Limited's GARUR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KNSB0010036 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to The Kurmanchal Nagar Sahakari Bank Limited – GARUR, use IMPS. With IFSC KNSB0010036 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 Garur

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 KNSB0010036:

• 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 GARUR is still linked to IFSC KNSB0010036.

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 KNSB0010036

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 Kurmanchal Nagar Sahakari Bank Limited – GARUR is still mapped to IFSC KNSB0010036. 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 KNSB0010036 and the beneficiary's account number to complete the transfer.

Online banking and IFSC KNSB0010036

The Kurmanchal Nagar Sahakari Bank Limited customers can register for net banking and the bank's official mobile app once their account at the GARUR 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 KNSB0010036 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 Garur branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC KNSB0010036 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 KNSB0010036

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 Kurmanchal Nagar Sahakari Bank Limited – GARUR, 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: KNSB0010036.
• 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 Garur branch

The branch is located at NEAR KUMAUN PHARMACY GARUR BAGESHWAR, which puts it inside Garur, the broader Bageshwar district, and the state of Uttarakhand. To plan your visit:

1. Open Google Maps on your phone and search for “The Kurmanchal Nagar Sahakari Bank Limited Garur branch” — the verified location pin for IFSC KNSB0010036 should appear at the top of the results.
2. Confirm the branch is open by calling 5963-9456596404 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 KNSB0010036 and your account number.

Verifying IFSC KNSB0010036 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 KNSB0010036 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 5963-9456596404.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Garur 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 KNSB0010036 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: KNSB0010036 is the IFSC code of The Kurmanchal Nagar Sahakari Bank Limited, GARUR branch, in GARUR, UTTARAKHAND. 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.