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Karur Vysya Bank is a scheduled commercial bank which has completed over 100 years of operation in India. The bank was established back in 1916 by M. A. Venkatarama Chettiar and Athi Krishna Chettiar. Today, it is one of the leading banks in the country with its headquarters in Karur in Tamil Nadu state. The bank has operations in the treasury, corporate banking as well as retail segments.

Karur Vysya Bank or KVB offers banking services including personal and corporate banking to NRIs and MSME. It boasts of nearly 779 branches and close to 1659 ATMs across the country. With about 565 cash deposit machines as of 2020, KVB has been recording substantial growth over the years.

RBI, the country’s central bank, has mandated three different ways for remitting money. These are NEFT, RTGS and IMPS. However, for undertaking these transactions, one must have the IFSC code provided by RBI to every bank branch. The IFSC Code for Karur Vysya Bank is made up of 11-digit alphanumeric characters which include 4 special characters about the bank name KVBL. The fifth character is set at zero and the remaining six characters refer to the specific branch address.

KVB IFSC code is mainly used as a unique branch identifier for all fund transfer processes. IFSC Codes are tagged to all the bank branches by RBI. This helps the central bank to monitor all the fund transfer transactions that take place across the country. It also helps in ensuring safe and secure transactions.

How to find the IFSC code for a specific branch of Karur Vysya Bank?

If you are trying to look for the IFSC code of your Karur Vysya branch, you can use two different ways to search. If you are comfortable with the offline mode, you can find the IFSC code on your cheque leaflet, which would be provided to you by the Karur Vysya Bank branch. If you are comfortable looking for it online, you can easily find it on CreditMantri website.

Where to use the IFSC code of Karur Vysya Bank?

Ever wondered where all IFSC code is required to be used? Here is your answer:

  • IFSC code helps RBI to monitor all financial transactions that take place through NEFT, RTGS, and IMPS. The functioning of these payment mechanisms is highly dependent on the IFSC code.
  • IFSC code is similar to a postal address of any bank since it is mainly used for identifying the bank at the time of the fund transfer process.
  • IFSC helps in identifying a bank and also to ensure that fund transfer takes place in an error-free manner.

IFSC is crucial when it comes to fund transfer systems. Therefore, it is used by all banks which are participants in the following payment mechanisms –


  • NEFT refers to National Electronic Fund Transfer
  • This fund transfer system allows funds to be transferred in every half-hourly batches
  • This facility can be used 24*7 however, the fund transfer is done in batches


  • RTGS refers to Real-Time Gross Settlement
  • RTGS is a payment system which allows funds to be transferred on an individual transaction basis
  • RTGS is available from 7 am to 6 pm on any working day


  • IMPS refers to Immediate Payment System
  • IMPS is primarily an interbank fund transfer system in which funds are transferred on a real-time basis
  • IMPS can be used 24*7 and also on bank holidays

IFSC Code in Case of Bank Merger

The IFSC code of the account holder changes if the bank undergoes the process of a merger. Post this, the account holder will be issued a new IFSC code, the same represented on bank documents like the bank passbook as well as the cheque book. This is done to ensure that financial transactions made online reach the targeted beneficiarys account.

Quick Facts About IFSC Code

Provided by RBI

One of the common misconceptions surrounding IFSC codes is that it is created by banks. It is important to know that the RBI is the only institution which is empowered to generate and allot IFSC codes to all bank branches. This is done via the head office of RBI. The RBI keeps a detailed record of IFSC Codes given to each bank and branches in India. It is given to those banks who offer online fund transfer services to consumers. One can go to the RBI website to look for IFSC Code for any bank branch in India. Visit Reserve Bank of India’s home page and click on the option of IFSC code. This will redirect you to the page where you can choose your bank and key in the branch name for getting the code for the same.

Unique to Each Bank Branch

IFSC Codes are unique for each bank and their branches. It is somewhat similar to the PNR number in train reservations. IFSC code ensures that no two banks or branches have the same code and therefore have a unique identity. IFSC Codes are generated for fast, smooth and confusion-free funds transfer. NEFT and RTGS transfers can be used with the help of account number and IFSC code.

RBI Sole Authority for IFSC Code

RBI has sole authority when it comes to IFSC Codes. Right from the generation of IFSC codes to any amendment or cancellation. RBI does not often change the IFSC Codes for any bank or branch. However, as the country’s central bank, it retains the right to make any changes if necessary. Even when the IFSC Code for a bank or branch is amended, the new code is easily available from the bank. Account-holders must request for new cheque books stating the new IFSC Code if their specific branch’s IFSC code has been changed.

While we would try to be careful at the time of entering the IFSC Code, it is still prone to error and mistakes. One should therefore ensure to re-check before ‘submitting’ the transaction or initiating the transfer. With an incorrect IFSC Code, you may face problems in the bank transfer. The money could come back to your account or in some cases, an incorrect account may be credited. While you can always recover misplaced funds, the process for the same could be lengthy and hence it makes sense to use the correct code at all times.


1. How do I find the nearest KVB Branch by using IFSC Code?

The IFSC code of KVB can easily help us to find the nearest bank branch. The first four digits of this code are about the bank name. The last six characters represent the bank branch. Using these 6 characters, you can easily search for the bank branch online.

2. Is it possible to search the IFSC Code of a bank branch using account number?

It is not possible to track the IFSC code of a bank branch using the account number. However, here are some of the alternative ways in which you can find the IFSC code:

  • Go to an online IFSC tool locator such as CreditMantri.
  • Log into the KVB Netbanking portal and check for the same.
  • Use KVB Cheque Book or KVB Passbook to find the IFSC code.

3. I have a KVB Bank Credit Card. Can I find IFSC Code using this?

credit card will not have any information on IFSC code. At the time of credit card bill payment, however, you will need to use the IFSC code which can be found on the bank’s website.

4. Can I transfer funds from one bank to another online?

You can easily transfer funds from one bank to another online by using mechanisms like National Electronic Fund Transfer (NEFT), Real-time Gross Settlement (RTGS), Immediate Payment Service (IMPS), or Unified Payment Interface (UPI).

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