IFSC Code KSCB0005001 - The Karanataka State Cooperative Apex Bank Limited Shimoga Central Co-op Bank Ltd

The Karanataka State Cooperative Apex Bank Limited Shimoga Central Co-op Bank Ltd Branch IFSC Code KSCB0005001 — Complete Banking Guide for Shimoga, Karnataka

IFSC code KSCB0005001 belongs to the Shimoga Central Co-op Bank Ltd branch of The Karanataka State Cooperative Apex Bank Limited in Shimoga, Shimoga district, Karnataka. This 11-character code, assigned by the Reserve Bank of India, is mandatory for all digital fund transfers — NEFT, RTGS, IMPS, and UPI. Every payment initiated to an account at this branch must include IFSC KSCB0005001 to ensure accurate routing through India's centralised payment infrastructure. Providing an incorrect IFSC may delay or fail the transaction, so always verify the code before confirming any transfer.

About The Karanataka State Cooperative Apex Bank Limited, Shimoga Central Co-op Bank Ltd Branch

The Shimoga Central Co-op Bank Ltd branch of The Karanataka State Cooperative Apex Bank Limited in Shimoga, Karnataka serves retail and corporate customers in Shimoga district with a full range of banking products. Services typically include savings and current accounts, fixed and recurring deposits, personal and home loans, vehicle finance, trade finance, locker facilities, and wealth management. The branch also supports digital banking — internet banking, mobile banking, UPI, and contactless debit/credit card issuance. Its IFSC KSCB0005001 is the key identifier for all fund transfers routed to accounts at this location through RBI's payment systems.

Payment Methods Using IFSC KSCB0005001

Four primary digital payment rails use IFSC KSCB0005001 for transfers to The Karanataka State Cooperative Apex Bank Limited, Shimoga Central Co-op Bank Ltd: NEFT — batch-based, 48 half-hourly settlements daily, no minimum amount, ideal for regular transfers; RTGS — real-time, 24×7, minimum ₹2 lakh, used for high-value transactions; IMPS — instant, 24×7, up to ₹5 lakh, best for urgent transfers; UPI — uses Virtual Payment Address (VPA) linked to accounts at this branch, instant and zero-cost for most transactions. For each method, the sender's bank verifies IFSC KSCB0005001 against the RBI IFSC master list before processing the payment.

MICR Code and Branch Details

In addition to the IFSC, the Shimoga Central Co-op Bank Ltd branch of The Karanataka State Cooperative Apex Bank Limited in Shimoga carries a MICR (Magnetic Ink Character Recognition) code — a 9-digit number printed on cheques that identifies the bank, city, and branch for cheque clearing through the MICR-based clearing system. While NEFT/RTGS/IMPS use the IFSC KSCB0005001 exclusively for electronic transfers, MICR remains relevant for paper-based cheque processing. Both codes are listed on this page for complete branch reference.

How to Verify IFSC KSCB0005001 Before Transferring

Before initiating any high-value transfer to IFSC KSCB0005001, verify the code through: (1) the RBI's official IFSC repository at rbi.org.in; (2) The Karanataka State Cooperative Apex Bank Limited's official website branch locator; (3) MahaFind's IFSC lookup — the page you are currently viewing. Cross-reference the branch address and bank name displayed here against the details provided by your recipient to confirm accuracy. A mismatch in even one character of the IFSC can reroute your transfer to a different branch entirely.