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

If you are searching for the IFSC code of The Kurmanchal Nagar Sahakari Bank Limited, MALLITAL branch in NAINITAL, UTTARAKHAND, this page has every detail you need. The verified IFSC code for this branch is KNSB0010005. 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 MALLITAL branch, and detailed step-by-step guides for using the IFSC KNSB0010005 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 – MALLITAL is KNSB0010005. The first four letters KNSB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 010005 map to this branch in NAINITAL, 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 Mallital branch — IFSC KNSB0010005 — extends the bank's services to customers in and around Nainital, Uttarakhand.

About the Mallital branch

The Mallital branch of The Kurmanchal Nagar Sahakari Bank Limited is situated at SHYAMA HOUSE, MALLITAL. 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 KNSB0010005 is used.

Branch details at a glance

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 Kurmanchal Nagar Sahakari Bank Limited's MALLITAL branch came to be assigned the code KNSB0010005.

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 KNSB0010005, money simply cannot be routed to the MALLITAL branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Mallital branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC KNSB0010005 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 KNSB0010005

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 KNSB0010005 across all three.

NEFT to The Kurmanchal Nagar Sahakari Bank Limited, MALLITAL using IFSC KNSB0010005

National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.

To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC KNSB0010005, and confirm that the system picks up The Kurmanchal Nagar Sahakari Bank Limited – MALLITAL. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to MALLITAL

If you need to transfer ₹2 lakh or more in one go to an account at The Kurmanchal Nagar Sahakari Bank Limited's MALLITAL branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KNSB0010005 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 – MALLITAL, use IMPS. With IFSC KNSB0010005 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 KNSB0010005 for The Kurmanchal Nagar Sahakari Bank Limited – MALLITAL, 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 Mallital 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.

UPI payments and IFSC KNSB0010005

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 – MALLITAL is still mapped to IFSC KNSB0010005. 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 KNSB0010005 and the beneficiary's account number to complete the transfer.

Account types you can open at the Mallital branch

Once you have an account at The Kurmanchal Nagar Sahakari Bank Limited – MALLITAL, the IFSC KNSB0010005 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 Mallital 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 KNSB0010005

Digital banking channels

Most day-to-day work that customers used to do at the Mallital 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 KNSB0010005 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 Mallital branch

The branch is located at SHYAMA HOUSE, MALLITAL, which puts it inside Nainital, the broader Nainital 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 Mallital branch” — the verified location pin for IFSC KNSB0010005 should appear at the top of the results.
2. Confirm the branch is open by calling 5942-235427 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 KNSB0010005 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 – MALLITAL:

• The IFSC is exactly KNSB0010005 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 MALLITAL 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 Mallital branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KNSB0010005, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC KNSB0010005 for The Kurmanchal Nagar Sahakari Bank Limited – MALLITAL, 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 KNSB0010005 belongs to The Kurmanchal Nagar Sahakari Bank Limited's MALLITAL branch, located at SHYAMA HOUSE, MALLITAL in NAINITAL, 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.