IFSC Code of Vikas Souharda Co-operative Bank Limited, Ballari Branch, Karnataka

This page lists the IFSC code, branch address, contact number and fund-transfer information for Vikas Souharda Co-operative Bank Limited, BALLARI branch in BALLARI. The 11-digit IFSC VSBA0000005 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 Vikas Souharda Co-operative Bank Limited at the BALLARI 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, VSBA0000005 is the IFSC of Vikas Souharda Co-operative Bank Limited's BALLARI branch. The format is fixed: VSBA = bank code, 0 = reserved, 000005 = branch identifier.

Branch details at a glance

About the bank

Vikas Souharda Co-operative Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Ballari branch in Ballari, Karnataka is part of this network and uses the IFSC code VSBA0000005 for all electronic settlement.

About the Ballari branch

The Ballari branch of Vikas Souharda Co-operative Bank Limited is situated at TALUR ROAD,PARVATHI NAGAR,BALLARI -583 101. 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 VSBA0000005 is used.

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 Vikas Souharda Co-operative Bank Limited's BALLARI branch came to be assigned the code VSBA0000005.

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 VSBA0000005, money simply cannot be routed to the BALLARI branch electronically.

How to transfer money using IFSC VSBA0000005

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 VSBA0000005 across all three.

How to use IFSC VSBA0000005 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Vikas Souharda Co-operative Bank Limited's BALLARI 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 VSBA0000005.
4. Confirm the bank name auto-populates as Vikas Souharda Co-operative Bank Limited and the branch as BALLARI.
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 VSBA0000005

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 Vikas Souharda Co-operative Bank Limited – BALLARI, ensure your bank's portal accepts IFSC VSBA0000005 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Vikas Souharda Co-operative Bank Limited BALLARI (IFSC VSBA0000005)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC VSBA0000005 in your mobile or internet banking app, and the money is credited to the BALLARI branch account within seconds.

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

All three modes accept the IFSC VSBA0000005 for Vikas Souharda Co-operative Bank Limited – BALLARI, 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 Ballari 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 Vikas Souharda Co-operative Bank Limited's BALLARI branch, the IFSC VSBA0000005 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 Ballari branch is mapped to IFSC VSBA0000005 on the RBI payments network. The branch generally supports the full retail product catalogue of Vikas Souharda Co-operative 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 VSBA0000005.

Products and services

Customers walking into the Ballari branch can access most of Vikas Souharda Co-operative 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 VSBA0000005

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by Vikas Souharda Co-operative Bank Limited carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC VSBA0000005 and the account number together uniquely identify the Ballari branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC VSBA0000005

Vikas Souharda Co-operative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the BALLARI 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 VSBA0000005 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.

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 Vikas Souharda Co-operative Bank Limited – BALLARI:

• The IFSC is exactly VSBA0000005 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills Vikas Souharda Co-operative Bank Limited as the bank name and BALLARI 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.

How to reach the Ballari branch

The branch is located at TALUR ROAD,PARVATHI NAGAR,BALLARI -583 101, which puts it inside Ballari, the broader Ballari district, and the state of Karnataka. To plan your visit:

1. Open Google Maps on your phone and search for “Vikas Souharda Co-operative Bank Limited Ballari branch” — the verified location pin for IFSC VSBA0000005 should appear at the top of the results.
2. Confirm the branch is open by calling 8392-266881 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 VSBA0000005 and your account number.

Verifying IFSC VSBA0000005 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 VSBA0000005 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 8392-266881.
• 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 Ballari branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC VSBA0000005, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code VSBA0000005 belongs to Vikas Souharda Co-operative Bank Limited's BALLARI branch, located at TALUR ROAD,PARVATHI NAGAR,BALLARI -583 101 in BALLARI, KARNATAKA. 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.