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

If you are searching for the IFSC code of The Kurmanchal Nagar Sahakari Bank Limited, LOHAGHAT branch in LOHAGHAT, UTTARAKHAND, this page has every detail you need. The verified IFSC code for this branch is KNSB0010051. 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 LOHAGHAT branch, and detailed step-by-step guides for using the IFSC KNSB0010051 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.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, KNSB0010051 is the IFSC of The Kurmanchal Nagar Sahakari Bank Limited's LOHAGHAT branch. The format is fixed: KNSB = bank code, 0 = reserved, 010051 = branch identifier.

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 Lohaghat branch in Lohaghat, Uttarakhand is part of this network and uses the IFSC code KNSB0010051 for all electronic settlement.

Branch details at a glance

About this branch

The branch is located at DAK BUNGLOW ROAD LOHAGHAT. It serves the Lohaghat 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 Kurmanchal Nagar Sahakari Bank Limited. The IFSC KNSB0010051 is used to identify this branch on the RBI payments network.

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 LOHAGHAT of The Kurmanchal Nagar Sahakari Bank Limited — its own 11-character IFSC. The code KNSB0010051 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 KNSB0010051 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Lohaghat branch is mapped to IFSC KNSB0010051 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 KNSB0010051.

Products and services

Customers walking into the Lohaghat 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 KNSB0010051

How to transfer money using IFSC KNSB0010051

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 KNSB0010051 across all three.

How to use IFSC KNSB0010051 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 LOHAGHAT 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 KNSB0010051.
4. Confirm the bank name auto-populates as The Kurmanchal Nagar Sahakari Bank Limited and the branch as LOHAGHAT.
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 KNSB0010051

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 – LOHAGHAT, ensure your bank's portal accepts IFSC KNSB0010051 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 – LOHAGHAT, use IMPS. With IFSC KNSB0010051 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 KNSB0010051 for The Kurmanchal Nagar Sahakari Bank Limited – LOHAGHAT, 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 Lohaghat 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 LOHAGHAT branch, the IFSC KNSB0010051 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.

Online banking and IFSC KNSB0010051

The Kurmanchal Nagar Sahakari Bank Limited customers can register for net banking and the bank's official mobile app once their account at the LOHAGHAT 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 KNSB0010051 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 Lohaghat branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC KNSB0010051 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 KNSB0010051

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 – LOHAGHAT, 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: KNSB0010051.
• 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.

Reaching the branch

The Lohaghat branch sits at DAK BUNGLOW ROAD LOHAGHAT. If you are travelling from outside Lohaghat, search for the branch on a maps application using the bank name and locality, or call 5965-297004 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 KNSB0010051 and your account number.

Verifying IFSC KNSB0010051 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 KNSB0010051 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 5965-297004.
• Visiting the bank's official branch locator page.

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 Lohaghat branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KNSB0010051, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code KNSB0010051 belongs to The Kurmanchal Nagar Sahakari Bank Limited's LOHAGHAT branch, located at DAK BUNGLOW ROAD LOHAGHAT in LOHAGHAT, 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.