IFSC Code of The Kurmanchal Nagar Sahakari Bank Limited, Kmou Bus Station Branch, Uttarakhand

Use this page as a one-stop reference for everything related to The Kurmanchal Nagar Sahakari Bank Limited's KMOU BUS STATION branch in PITHORAGARH, UTTARAKHAND. The branch's IFSC code KNSB0010035 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 KMOU BUS STATION branch, the IFSC KNSB0010035 breaks down as follows: KNSB identifies the bank, 0 is the reserved character, and 010035 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 Kmou Bus Station branch in Pithoragarh, Uttarakhand is part of this network and uses the IFSC code KNSB0010035 for all electronic settlement.

About this branch

The branch is located at TAKANA ROAD NEAR KMOU BUS STATION PITHORAGARH. It serves the Pithoragarh 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 KNSB0010035 is used to identify this branch on the RBI payments network.

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 KMOU BUS STATION branch came to be assigned the code KNSB0010035.

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 KNSB0010035, money simply cannot be routed to the KMOU BUS STATION branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Kmou Bus Station branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC KNSB0010035 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 KNSB0010035

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 KNSB0010035 across all three.

How to use IFSC KNSB0010035 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 KMOU BUS STATION 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 KNSB0010035.
4. Confirm the bank name auto-populates as The Kurmanchal Nagar Sahakari Bank Limited and the branch as KMOU BUS STATION.
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 KNSB0010035

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 – KMOU BUS STATION, ensure your bank's portal accepts IFSC KNSB0010035 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 – KMOU BUS STATION, use IMPS. With IFSC KNSB0010035 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 KNSB0010035 for The Kurmanchal Nagar Sahakari Bank Limited – KMOU BUS STATION, 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 Kmou Bus Station 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 KMOU BUS STATION branch, the IFSC KNSB0010035 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 Kmou Bus Station branch is mapped to IFSC KNSB0010035 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 KNSB0010035.

Banking services available

The Kmou Bus Station branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 5964-9456596422.

• 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 KNSB0010035

Digital banking channels

Most day-to-day work that customers used to do at the Kmou Bus Station 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 KNSB0010035 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 Kmou Bus Station branch

The branch is located at TAKANA ROAD NEAR KMOU BUS STATION PITHORAGARH, which puts it inside Pithoragarh, the broader Pithoragarh 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 Kmou Bus Station branch” — the verified location pin for IFSC KNSB0010035 should appear at the top of the results.
2. Confirm the branch is open by calling 5964-9456596422 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 KNSB0010035 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 – KMOU BUS STATION:

• The IFSC is exactly KNSB0010035 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 KMOU BUS STATION 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 Kmou Bus Station branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KNSB0010035, however, work 24x7.

Verifying IFSC KNSB0010035 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 KNSB0010035 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 5964-9456596422.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Summary

The IFSC code KNSB0010035 belongs to The Kurmanchal Nagar Sahakari Bank Limited's KMOU BUS STATION branch, located at TAKANA ROAD NEAR KMOU BUS STATION PITHORAGARH in PITHORAGARH, 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.