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

This page lists the IFSC code, branch address, contact number and fund-transfer information for The Kurmanchal Nagar Sahakari Bank Limited, KICHHA branch in KICHHA. The 11-digit IFSC KNSB0010021 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with The Kurmanchal Nagar Sahakari Bank Limited at the KICHHA location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this 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 Kurmanchal Nagar Sahakari Bank Limited's KICHHA branch, the IFSC KNSB0010021 breaks down as follows: KNSB identifies the bank, 0 is the reserved character, and 010021 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 Kichha branch in Kichha, Uttarakhand is part of this network and uses the IFSC code KNSB0010021 for all electronic settlement.

About the Kichha branch

The Kichha branch of The Kurmanchal Nagar Sahakari Bank Limited is situated at PANT MARKET. 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 KNSB0010021 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 KICHHA of The Kurmanchal Nagar Sahakari Bank Limited — its own 11-character IFSC. The code KNSB0010021 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 KNSB0010021 the same way you would treat your account number — verify it once and save it carefully for future use.

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by The Kurmanchal Nagar Sahakari Bank Limited carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC KNSB0010021 and the account number together uniquely identify the Kichha branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC KNSB0010021

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 KNSB0010021 across all three.

How to use IFSC KNSB0010021 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 KICHHA 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 KNSB0010021.
4. Confirm the bank name auto-populates as The Kurmanchal Nagar Sahakari Bank Limited and the branch as KICHHA.
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 KICHHA

If you need to transfer ₹2 lakh or more in one go to an account at The Kurmanchal Nagar Sahakari Bank Limited's KICHHA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KNSB0010021 while initiating the transfer and the credit will appear within minutes.

IMPS to The Kurmanchal Nagar Sahakari Bank Limited KICHHA (IFSC KNSB0010021)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KNSB0010021 in your mobile or internet banking app, and the money is credited to the KICHHA branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC KNSB0010021 for The Kurmanchal Nagar Sahakari Bank Limited – KICHHA, 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 Kichha 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 KICHHA branch, the IFSC KNSB0010021 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.

Products and account variants supported

Every account opened at the Kichha branch is mapped to IFSC KNSB0010021 on the RBI payments network. The branch generally supports the full retail product catalogue of The Kurmanchal Nagar Sahakari 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 KNSB0010021.

Banking services available

The Kichha branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 5944-264296.

• 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 KNSB0010021

Digital banking channels

Most day-to-day work that customers used to do at the Kichha 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 KNSB0010021 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.

How to reach the Kichha branch

The branch is located at PANT MARKET, which puts it inside Kichha, the broader Udham Singh Nagar 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 Kichha branch” — the verified location pin for IFSC KNSB0010021 should appear at the top of the results.
2. Confirm the branch is open by calling 5944-264296 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 KNSB0010021 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 – KICHHA:

• The IFSC is exactly KNSB0010021 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 KICHHA 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.

Working hours

Branch counters at Kichha 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 KNSB0010021 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC KNSB0010021 for The Kurmanchal Nagar Sahakari Bank Limited – KICHHA, 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 KNSB0010021 belongs to The Kurmanchal Nagar Sahakari Bank Limited's KICHHA branch, located at PANT MARKET in KICHHA, 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.