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

This page lists the IFSC code, branch address, contact number and fund-transfer information for Vikas Souharda Co-operative Bank Limited, KUKANUR branch in KUKANUR. The 11-digit IFSC VSBA0000018 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 KUKANUR 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.

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 Vikas Souharda Co-operative Bank Limited – KUKANUR is VSBA0000018. The first four letters VSBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000018 map to this branch in KUKANUR, KARNATAKA.

Bank profile

Vikas Souharda Co-operative Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Kukanur branch — IFSC VSBA0000018 — extends the bank's services to customers in and around Kukanur, Karnataka.

Branch details at a glance

About this branch

The branch is located at SARVODAYA COMPLEX,AMBEDKAR CIRCLE,KUKANUR-583232. It serves the Kukanur region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Vikas Souharda Co-operative Bank Limited. The IFSC VSBA0000018 is used to identify this branch on the RBI payments network.

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 KUKANUR branch came to be assigned the code VSBA0000018.

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 VSBA0000018, money simply cannot be routed to the KUKANUR branch electronically.

Products and account variants supported

Every account opened at the Kukanur branch is mapped to IFSC VSBA0000018 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 VSBA0000018.

Banking services available

The Kukanur branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 6364465396.

• 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 VSBA0000018

How to transfer money using IFSC VSBA0000018

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 VSBA0000018 across all three.

NEFT to Vikas Souharda Co-operative Bank Limited, KUKANUR using IFSC VSBA0000018

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 VSBA0000018, and confirm that the system picks up Vikas Souharda Co-operative Bank Limited – KUKANUR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to KUKANUR

If you need to transfer ₹2 lakh or more in one go to an account at Vikas Souharda Co-operative Bank Limited's KUKANUR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC VSBA0000018 while initiating the transfer and the credit will appear within minutes.

IMPS to Vikas Souharda Co-operative Bank Limited KUKANUR (IFSC VSBA0000018)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC VSBA0000018 in your mobile or internet banking app, and the money is credited to the KUKANUR branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Kukanur

The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC VSBA0000018:

• NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
• RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
• IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
• UPI — best for small peer-to-peer payments using a VPA; the underlying account at KUKANUR is still linked to IFSC VSBA0000018.

For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.

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 KUKANUR branch, the IFSC VSBA0000018 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 VSBA0000018

Vikas Souharda Co-operative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the KUKANUR 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 VSBA0000018 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 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 VSBA0000018 and the account number together uniquely identify the Kukanur branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – KUKANUR:

• The IFSC is exactly VSBA0000018 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 KUKANUR 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 Kukanur branch

The branch is located at SARVODAYA COMPLEX,AMBEDKAR CIRCLE,KUKANUR-583232, which puts it inside Kukanur, the broader Kukanur 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 Kukanur branch” — the verified location pin for IFSC VSBA0000018 should appear at the top of the results.
2. Confirm the branch is open by calling 6364465396 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 VSBA0000018 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC VSBA0000018 for Vikas Souharda Co-operative Bank Limited – KUKANUR, 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 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 Kukanur branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC VSBA0000018, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: VSBA0000018 is the IFSC code of Vikas Souharda Co-operative Bank Limited, KUKANUR branch, in KUKANUR, KARNATAKA. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.