Kerala State Co-operative Bank
LADIES - KOTTAYAM BRANCH
+914812564523
Understanding IFSC Code: The Digital DNA of Kerala State Co-operative Bank
When performing any digital transaction in India, the Indian Financial System Code
(IFSC) acts as a critical identifier. For the LADIES - KOTTAYAM
branch of Kerala State Co-operative Bank, the code KSBK0001314 ensures
that your funds are routed through the Reserve Bank of India's (RBI) structured network without manual
errors. In an era of instant payments, having the correct IFSC is as important as the account number
itself.
Anatomy of the KSBK0001314 Code
An IFSC is an 11-character alphanumeric code. Let's break down the logic behind the code for this specific branch:
Bank Identity
"KSBK" represents Kerala State Co-operative Bank
Control Character
Always '0' (Reserved for future use)
Branch Locator
Unique code for LADIES - KOTTAYAM
Payment Systems Supported by KSBK0001314
| System | Transfer Limit | Processing Time |
|---|---|---|
| NEFT | No Minimum (Up to ₹50 Lakhs+) | Half-hourly batches (24x7) |
| RTGS | Minimum ₹2 Lakhs | Real-time settlement |
| IMPS | Up to ₹5 Lakhs | Instant (Mobile/P2P) |
Why do you need the MICR Code?
While IFSC is for digital transfers, the Magnetic Ink Character Recognition
(MICR) code—686177314—is primarily
used for the processing and clearance of physical cheques. This 9-digit code helps in
identifying the bank and branch during the Cheque Truncation System (CTS) cycle, making clearing
faster and error-free.
Bank Holidays & Availability
The Kerala State Co-operative Bank in KOTTAYAM typically follows the RBI holiday calendar. Digital transfers via KSBK0001314 for NEFT/RTGS are now available 365 days a year, regardless of physical branch timings or Sunday closures.
Security Warning & Verification
Always verify the branch details before making a large payment. While KSBK0001314 is the valid code for LADIES - KOTTAYAM at KOTTAYAM, ensure the beneficiary name matches perfectly in your mobile banking app.
Bank Search Indexing & Metadata
Related Searches
- • Kerala State Co-operative Bank Branch List
- • KOTTAYAM IFSC Codes
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Financial Tools
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Branch Context
- • LADIES - KOTTAYAM Contact
- • Address of Kerala State Co-operative Bank
- • MICR Code Finder
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Platform Links
- • Anand Design DevBox
- • SEO Performance Hub
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- • IFSC Finder v2.0
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