Kerala State Co Operative Bank IFSC Code and MICR Code

Find Kerala State Co Operative Bank IFSC Code, MICR Code and branch details for NEFT, RTGS & IMPS transactions.

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Kerala State Co Operative Bank IFSC Code, MICR Code and SWIFT Code

Kerala State Co-operative Bank Limited also referred to as Kerala Bank, is a Government of Kerala-owned Scheduled State Co-operative Bank. Its headquarters are in Thiruvananthapuram. Kerala Bank IFSC code is a unique identification code for your branch.

When transferring money, you might frequently encounter the word 'IFSC' code rather frequently. The IFSC is a unique 11-digit alphanumeric code that helps with acknowledging payments and sources. It facilitates interbank payment identification and monitoring. 

The code is essential for NEFT, RTGS, IMPS money transfers, and other electronic payment systems. The Reserve Bank of India employs IFSC codes to enable communications and monitor transactions to ensure their successful and secure completion.

Another essential code that banks use for fast processing and verification of cheque payments is the MICR code. It is always present on the cheque leaf. If you want to learn more about these codes, their functions, and how to obtain them, check out this comprehensive guide.

Kerala State Co-Operative Bank IFSC Code


For electronic payments, you will always need the Kerala Bank IFSC code. It makes electronic transactions both quick and secure. 

You will require the IFSC code of your branch as well as the IFSC code of the branch of your remitter to make a payment using an electronic transaction system. 'WXYZ0123456' is the standard format for the code. 

The first four letters represent the bank's name, the fifth character is always a zero, and the following six characters are the branch code.

For example, the Kerala State Co-Operative Bank Ernakulam branch's IFSC code is KSBK0000009. Here the first four letters (KSBK) give the bank name, the fifth digit is a zero, and the last six characters (000009) give the branch code. 

Kerala State Co-Operative Bank MICR Code

The MICR code on the check is a one-of-a-kind code printed with MICR (Magnetic Ink Character Recognition) technology. It's useful in the identification and completion of cheque payments. The MICR code is present at the bottom of a cheque, next to the cheque number.

It's a nine-digit code that is in three sections. The first three numbers denote the city, which corresponds to the PIN code used in India for postal addresses. The bank name is the next three digits, and the branch is the final three digits. 

How to Find the IFSC Code & MICR Code of the Kerala State Co-Operative Bank?


Since the IFSC code and MICR code for Kerala State Co-operative Bank are necessary to execute payments, it is critical for you to be familiar with all of your credentials. You can get these codes in a variety of ways. Below mentioned are the methods of obtaining the codes:

Find Your Bank

Find Your Bank is a website that offers a variety of financial services. It is one of the most practical methods for locating your bank credentials. You must go to their website and enter the following information to get the IFSC and MICR code:

  • Name of the bank
  • State
  • District
  • Branch
  • Click 'Enter'

When you enter these details and press enter, the results will provide you with the respective codes. Find My Bank has also created a mobile application that you may use at any time and from anywhere. The smartphone app makes it simple to locate these codes with just a few taps.

Bank Documents

Your bank credentials are always there on the bank documents. The IFSC and MICR codes are present on the bank passbook as well as cheque book. The codes are also available on the first page of the passbook. Look for the information on any cheque leaf to locate these in the cheque book.


The Reserve Bank of India's official website can provide you with your Kerala Bank IFSC code and MICR code. The Reserve Bank of India maintains a database of all IFSC and MICR codes for branches of various banks in India.

Netbanking or Mobile Banking

Simply log in to your bank's net banking or mobile banking portal using your credentials to acquire these codes. After logging in, browse the various options and make your selection to get the code you want.

Contact the Bank

If the processes above do not work for you, you may contact the customer service department of your bank branch directly, and they will provide you with more information.

How to Transfer Money through NEFT, RTGS & IMPS?


NEFT, RTGS, and IMPS are some online fund transfer methods that allow you to transmit money easily. These transactions become easier with your Kerela Bank IFSC code. For a money transfer, you'll need the following information:

  • Amount of transaction
  • Beneficiary's bank name
  • Beneficiary's name
  • Account number of the remitter
  • Account number of the beneficiary
  • IFSC Code of the beneficiary's branch
  • Sender to receiver information, if required

NEFT (National Electronic Fund Transfer)

The Reserve Bank of India established NEFT, or National Electronic Fund Transfer, as an online fund transfer technique for quick transactions. It uses a DNS (Deferred Net Settling) method to process transactions in batches.

Timings Available at all times, with no specific timing
Charges Applicable
  • Rs 2.50 on transactions up to Rs 10,000
  • Rs 5 on transactions from Rs 10,000 & up to Rs 1 lakh
  • Rs 15 on transactions from Rs 1 lakh and up to Rs 2 lakh
  • Rs 25 on transactions beyond Rs 2 lakh
Settlement Batches of 23 hours
Maximum and Minimum limits No limits imposed

GST applicable.

You can use the Kerala State Co-Operative Bank's Netbanking and Mobile Banking services to make an NEFT transaction. Simply log in to the platform of your choice, pick the NEFT option, and fill out the needed information. 

Make sure you go through the terms and conditions properly and attentively. Complete the NEFT transaction only once you review everything.

RTGS (Real-Time Gross Settlement) 

It is another transaction technique that allows for real-time settlements. It executes transactions at the moment of receipt and is based on a gross system or a person. RTGS payments are non-revocable and often utilized for larger sums.

Timings Bank working hours
Charges Applicable
  • Rs. 25 on 2 Lakhs to 5 Lakhs
  • Rs. 50 above Rs. 5 Lakh
Settlement Real-time
Minimum and maximum limit
  • The minimum limit is Rs. 2 lakhs
  • There is no maximum limit

GST applicable

Log in to the online banking facility of Kerala State Co-Operative Bank to use the RTGS service. The Kerala Bank IFSC code, as well as the other credentials specified above, are mandatory details that you must have. 

Choose the RTGS fund transfer option and fill in the required details. You must once read the terms and conditions carefully before completing the transaction.

IMPS (Immediate Payment Service)

IMPS is an immediate electronic money transfer system that you may use at any time of the year, including holidays. It's a preferable transaction option since the settlement is immediate and the technique is simple. 

Use the Kerala State Co-operative Bank's online or mobile banking platform to access the IMPS service. You'll need the following items for IMPS:

  • MMID or Mobile Money Identifier code 
  • MMID code of the beneficiary
  • Account number of the beneficiary
  • Your mobile number 
  • The AADHAR card number of beneficiary
  • IFSC code of beneficiary's branch
Timings Available all times
Settlement Instant
  • Up to Rs. 1 Lakh - Rs. 5 
  • Rs. 1 Lakh to Rs. 2 Lakhs - Rs. 15
Minimum limit Rs. 1
Maximum limit Rs. 2 Lakhs

GST applicable

Log in to the Kerala State Co-Operative Bank mobile application using your bank credentials. Then, among the numerous fund transfer methods available, choose 'IMPS' and provide the essential information as described above. 

During the transaction, you will be given a passcode, which you must enter in order to complete the purchase. You will get an affirmation text message including the transaction number on your respective mobile phone number once you verify using the password. It indicates the transaction was successful. 

You may track the transaction using the transaction number issued to you. It will also assist you in raising concerns if you have any in the future. Simply give the remitter the appropriate data of your bank account and branch to receive money using these electronic transfer options.

About the Kerala State Co-Operative Bank


Kerala State Co-operative Bank Limited, often known as Kerala Bank, is a Government of Kerala-owned Scheduled State Co-operative Bank in India. Thirteen District Co-operative Banks in Kerala merged with the Kerala State Co-operative Bank to form this bank. 

You can trace back the origins of the Kerala State Co-operative Bank to the early twentieth century. The Travancore Co-operative Societies Regulation Act was passed in 1914, and the first cooperative bank, Trivandrum Central Co-operative Bank, was established as a result of the Act. 

When the state of Kerala was founded in 1956, the Travancore Central Co-operative Bank became the Kerala State Co-operative Bank. The headquarters of the Kerala Bank is in Thiruvananthapuram, and the corporate office is in Kochi.

Frequently Asked Questions

1) How to Transfer Money from Kerala Cooperative Bank? 

You can either choose to send money offline by approaching your home branch, or you can choose to transfer funds using various online transaction methods like NEFT, RTGS, and IMPS. Just keep in mind to keep all necessary credentials ready.

2) How Many Cooperative Banks are there In Kerala?

There are 14 District Cooperative Banks in Kerala, as well as the Kerala Government, and all are members and shareholders of the Kerala Bank. Only the Malappuram District Co-operative Bank Ltd objected to the Kerala State Co-operative Bank's merger.

3) Is Kerala Bank a Cooperative Bank?

Kerala State Co-operative Bank Limited also referred to as Kerala Bank, is a Government of Kerala-owned Scheduled State Co-operative Bank in India.

4) Is Kerala Bank Under RBI?

The Reserve Bank of India took the Kerala State Cooperative Bank Ltd. under its administration. On March 1, 1966. The RBI designated the bank as a 'Scheduled State Cooperative Bank' in July 1966, in accordance with the provisions of the RBI Act's second schedule.

5) What does the IFSC Code for Kerala Bank do?

You need the Kerala Bank IFSC Code for online money transfers using NEFT, RTGS, and other methods. It also makes it easier to identify the branch.

6) Is Kerala Bank's Internet Banking Secure?

Kerala Bank ensures that internet fund transfers are fully secure. It also employs industry-standard security measures, such as a multi-level authentication process that verifies your identity when you log in to an online banking account.