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

Use this page as a one-stop reference for everything related to The Kurmanchal Nagar Sahakari Bank Limited's JWALAPUR branch in HARIDWAR, UTTARAKHAND. The branch's IFSC code KNSB0010039 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 Kurmanchal Nagar Sahakari Bank Limited's JWALAPUR branch, the IFSC KNSB0010039 breaks down as follows: KNSB identifies the bank, 0 is the reserved character, and 010039 identifies this particular branch.

About the bank

The Kurmanchal Nagar Sahakari Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Jwalapur branch in Haridwar, Uttarakhand is part of this network and uses the IFSC code KNSB0010039 for all electronic settlement.

About the Jwalapur branch

The Jwalapur branch of The Kurmanchal Nagar Sahakari Bank Limited is situated at RAILWAY STATION ROAD JWALAPUR. 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 KNSB0010039 is used.

Branch details at a glance

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 JWALAPUR of The Kurmanchal Nagar Sahakari Bank Limited — its own 11-character IFSC. The code KNSB0010039 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 KNSB0010039 the same way you would treat your account number — verify it once and save it carefully for future use.

MICR & cheque-truncation details

Cheques drawn on the Jwalapur branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC KNSB0010039 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC KNSB0010039

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 KNSB0010039 across all three.

How to use IFSC KNSB0010039 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 JWALAPUR 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 KNSB0010039.
4. Confirm the bank name auto-populates as The Kurmanchal Nagar Sahakari Bank Limited and the branch as JWALAPUR.
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 KNSB0010039

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 Kurmanchal Nagar Sahakari Bank Limited – JWALAPUR, ensure your bank's portal accepts IFSC KNSB0010039 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to The Kurmanchal Nagar Sahakari Bank Limited – JWALAPUR, use IMPS. With IFSC KNSB0010039 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 KNSB0010039 for The Kurmanchal Nagar Sahakari Bank Limited – JWALAPUR, 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 Jwalapur 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.

How UPI relates to the IFSC code

UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at The Kurmanchal Nagar Sahakari Bank Limited's JWALAPUR branch, the IFSC KNSB0010039 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.

That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.

Account types you can open at the Jwalapur branch

Once you have an account at The Kurmanchal Nagar Sahakari Bank Limited – JWALAPUR, the IFSC KNSB0010039 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.

Banking services available

The Jwalapur branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 1334-9456596427.

• 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 KNSB0010039

Digital banking channels

Most day-to-day work that customers used to do at the Jwalapur 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 KNSB0010039 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.

Reaching the branch

The Jwalapur branch sits at RAILWAY STATION ROAD JWALAPUR. If you are travelling from outside Haridwar, search for the branch on a maps application using the bank name and locality, or call 1334-9456596427 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 KNSB0010039 and your account number.

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 Kurmanchal Nagar Sahakari Bank Limited – JWALAPUR:

• The IFSC is exactly KNSB0010039 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills The Kurmanchal Nagar Sahakari Bank Limited as the bank name and JWALAPUR 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.

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 Jwalapur branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KNSB0010039, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC KNSB0010039 for The Kurmanchal Nagar Sahakari Bank Limited – JWALAPUR, 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 address & contact

Frequently asked questions

Summary

The IFSC code KNSB0010039 belongs to The Kurmanchal Nagar Sahakari Bank Limited's JWALAPUR branch, located at RAILWAY STATION ROAD JWALAPUR in HARIDWAR, UTTARAKHAND. 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.