Karnataka State Co-operative Apex Bank
NGEF BRANCH
+918022976634
Understanding IFSC Code: The Digital DNA of Karnataka State Co-operative Apex Bank
When performing any digital transaction in India, the Indian Financial System Code
(IFSC) acts as a critical identifier. For the NGEF
branch of Karnataka State Co-operative Apex Bank, the code KSCB0001049 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 KSCB0001049 Code
An IFSC is an 11-character alphanumeric code. Let's break down the logic behind the code for this specific branch:
Bank Identity
"KSCB" represents Karnataka State Co-operative Apex Bank
Control Character
Always '0' (Reserved for future use)
Branch Locator
Unique code for NGEF
Payment Systems Supported by KSCB0001049
| 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—560226042—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 Karnataka State Co-operative Apex Bank in BANGALORE typically follows the RBI holiday calendar. Digital transfers via KSCB0001049 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 KSCB0001049 is the valid code for NGEF at BANGALORE, ensure the beneficiary name matches perfectly in your mobile banking app.
Bank Search Indexing & Metadata
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Financial Tools
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Branch Context
- • NGEF Contact
- • Address of Karnataka State Co-operative Apex Bank
- • MICR Code Finder
- • KARNATAKA Banking Circle
Platform Links
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