Branch Details — KSBK0001305
| Bank Name | Kerala State Co-operative Bank |
| Branch Name | Karukachal |
| IFSC Code | KSBK0001305 |
| MICR Code | 686177305 |
| Bank Code (RBI) | KSBK |
| Branch Code | 001305 |
| Address | 5/696,KARUKACHAL,KOTTAYAM PIN 686540 |
| City | Kottayam |
| District | Kottayam |
| State | Kerala |
| Contact | +914812485169 |
| NEFT | ✓ Enabled — 24×7 |
| RTGS | ✓ Enabled — 24×7 |
| IMPS | ✓ Enabled — 24×7 |
| UPI | Not available |
Transfer Methods Using KSBK0001305
NEFT
Available 24×7 including holidays. Settled in 30-minute batches. No minimum. Use IFSC KSBK0001305.
RTGS
Available 24×7. Minimum ₹2 lakh. Real-time gross settlement. Use IFSC KSBK0001305.
IMPS
Instant 24×7, 365 days. Up to ₹5 lakh per transaction.
Frequently Asked Questions
The IFSC code is KSBK0001305. This 11-character RBI-assigned code is required for NEFT, RTGS and IMPS transfers to accounts at Kerala State Co-operative Bank Karukachal branch, Kottayam, Kerala.
The MICR code is 686177305. It is a 9-digit code printed at the bottom of cheques, used only for cheque clearing.
Address: 5/696,KARUKACHAL,KOTTAYAM PIN 686540. Branch timings: Monday–Friday 9:30 AM – 3:30 PM, Saturday 9:30 AM – 1:30 PM (closed 2nd/4th Saturdays).
KSBK identifies Kerala State Co-operative Bank. The 5th character 0 is reserved by RBI. The last 6 characters 001305 identify the Karukachal branch.
Yes. Kerala State Co-operative Bank Karukachal Branch (IFSC: KSBK0001305) is fully enabled for NEFT, RTGS, IMPS, available 24×7 including weekends and holidays.
Log in to your bank's net banking or mobile app → Fund Transfer → Add Beneficiary → enter account number and IFSC KSBK0001305 → select NEFT/RTGS/IMPS → confirm with OTP.