IFSC Code of The Kurmanchal Nagar Sahakari Bank Limited, RTGS-HO Branch, Uttarakhand

This page lists the IFSC code, branch address, contact number and fund-transfer information for The Kurmanchal Nagar Sahakari Bank Limited, RTGS-HO branch in NAINITAL. The 11-digit IFSC KNSB0000001 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 RTGS-HO 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.

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, KNSB0000001 is the IFSC of The Kurmanchal Nagar Sahakari Bank Limited's RTGS-HO branch. The format is fixed: KNSB = bank code, 0 = reserved, 000001 = branch identifier.

Bank profile

The Kurmanchal Nagar Sahakari Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The RTGS-HO branch — IFSC KNSB0000001 — extends the bank's services to customers in and around Nainital, Uttarakhand.

RTGS-HO branch overview

Located at KURMANCHAL BHAWAN, TALLITAL, the RTGS-HO branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC KNSB0000001 is required for all interbank electronic transfers routed through this branch.

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 RTGS-HO of The Kurmanchal Nagar Sahakari Bank Limited — its own 11-character IFSC. The code KNSB0000001 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 KNSB0000001 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 KNSB0000001 and the account number together uniquely identify the RTGS-HO branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC KNSB0000001

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 KNSB0000001 across all three.

NEFT to The Kurmanchal Nagar Sahakari Bank Limited, RTGS-HO using IFSC KNSB0000001

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 KNSB0000001, and confirm that the system picks up The Kurmanchal Nagar Sahakari Bank Limited – RTGS-HO. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to RTGS-HO

If you need to transfer ₹2 lakh or more in one go to an account at The Kurmanchal Nagar Sahakari Bank Limited's RTGS-HO branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KNSB0000001 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 – RTGS-HO, use IMPS. With IFSC KNSB0000001 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 KNSB0000001 for The Kurmanchal Nagar Sahakari Bank Limited – RTGS-HO, 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 RTGS-HO 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 RTGS-HO branch, the IFSC KNSB0000001 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 RTGS-HO branch

Once you have an account at The Kurmanchal Nagar Sahakari Bank Limited – RTGS-HO, the IFSC KNSB0000001 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 RTGS-HO 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 KNSB0000001

Digital banking channels

Most day-to-day work that customers used to do at the RTGS-HO 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 KNSB0000001 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 RTGS-HO branch sits at KURMANCHAL BHAWAN, TALLITAL. If you are travelling from outside Nainital, search for the branch on a maps application using the bank name and locality, or call 5946-231525 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 KNSB0000001 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 – RTGS-HO:

• The IFSC is exactly KNSB0000001 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 RTGS-HO 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 RTGS-HO branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KNSB0000001, however, work 24x7.

Verifying IFSC KNSB0000001 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 KNSB0000001 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 5946-231525.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Summary

The IFSC code KNSB0000001 belongs to The Kurmanchal Nagar Sahakari Bank Limited's RTGS-HO branch, located at KURMANCHAL BHAWAN, TALLITAL 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.