What is an IFSC Code?

IFSC (Indian Financial System Code) is an 11-character alphanumeric code that uniquely identifies a bank branch participating in the NEFT, RTGS, and IMPS electronic funds transfer systems in India.

How do I find my bank's IFSC code?

You can find your bank's IFSC code printed on your cheque leaf or passbook. Alternatively, search on Bankonic by selecting your bank, state, and branch.

Can I apply for a personal loan using my IFSC code?

Yes! Banks use your IFSC code to verify your existing bank account during loan applications. Having an active account with verified IFSC speeds up loan processing.

Is my money safe during online transfers using IFSC?

Yes, NEFT/RTGS/IMPS transfers using IFSC codes are highly secure. All transactions are encrypted and monitored by RBI.

How many bank branches are there in Kerala?

There are 8,912 bank branches currently listed in Kerala. This includes all major public sector banks, private banks, cooperative banks, and regional rural banks operating in the state. Our database is updated regularly with the latest branch information from RBI and NPCI sources.

Which banks have the most branches in Kerala?

STATE BANK OF INDIA typically has the highest number of branches in Kerala, followed by other major public sector banks like Punjab National Bank, Bank of Baroda, and Canara Bank. Private banks like HDFC Bank, ICICI Bank, and Axis Bank also have significant presence across major cities in Kerala.

How can I find IFSC codes for banks in Kerala?

You can find IFSC codes for any bank branch in Kerala by: (1) Using our search tool above and selecting your bank, district, and branch, (2) Browsing our state directory organized by popular banks and cities, (3) Checking your bank passbook or cheque book where IFSC codes are printed, or (4) Visiting the official website of your bank.

Are IFSC codes different for each branch in Kerala?

Yes, every bank branch in Kerala has a unique 11-character IFSC code assigned by the Reserve Bank of India (RBI). Even if the same bank has multiple branches in the same city or district, each branch will have its own distinct IFSC code for identification during electronic fund transfers.

Can I use IFSC codes from Kerala for online money transfers?

Yes, you can use IFSC codes from any bank branch in Kerala for all types of electronic fund transfers including NEFT (National Electronic Funds Transfer), RTGS (Real Time Gross Settlement), and IMPS (Immediate Payment Service). Simply provide the beneficiary's account number and their branch's IFSC code to complete the transfer.

What is the format of IFSC codes in Kerala?

IFSC codes for all bank branches in Kerala follow the standard 11-character format: First 4 characters represent the bank code (e.g., SBIN for State Bank of India), the 5th character is always 0 (zero), and the last 6 characters represent the specific branch code. For example, SBIN0001234 would be a valid IFSC code format.

How often is the Kerala branch data updated on Bankonic?

We update our Kerala bank branch database regularly, typically within 24-48 hours of any changes reported by RBI or NPCI. Our last update was on February 19, 2026. We recommend verifying critical details directly with your bank for time-sensitive transactions, especially for newly opened or recently closed branches.

Can I search for bank branches by city or PIN code in Kerala?

Yes, you can search for bank branches in Kerala using multiple filters including city name, district, PIN code, or branch name. Use our search tool above to filter by your specific location. We have comprehensive coverage of all cities and districts in Kerala, making it easy to find the exact branch you need.

What should I do if I can't find a specific branch in Kerala?

If you cannot locate a specific branch in Kerala: (1) Try searching with alternate branch names or nearby locations, (2) Check if the branch has been recently merged or renamed, (3) Contact your bank's customer care for the correct IFSC code and branch details, (4) Visit your nearest branch to obtain the information, or (5) Report the missing branch to us so we can investigate and update our database.

Are the IFSC codes for Kerala branches verified and accurate?

Yes, all IFSC codes for branches in Kerala are sourced from official RBI and NPCI databases. We maintain strict data accuracy standards and cross-verify all information before publishing. However, we always recommend double-checking critical details with your bank directly before initiating important financial transactions.

RBI/NPCI Verified Data

Last Updated: 25 February 2026

IFSC & MICR Codes for All Bank Branches in Kerala

Search from 8,912+ branches across 12+ banks in Kerala. Get verified IFSC codes, MICR codes, addresses, and contact details – updated February 2026.

8,912+

Branches

Banks

1965

Cities

Search IFSC Codes in Kerala

Enter bank name, district, or branch to find IFSC codes in Kerala

Popular Banks in Kerala

THE KERALA STATE CO OPERATIVE BANK LTD

ESAF SMALL FINANCE BANK LIMITED

Popular Cities in Kerala for Bank Branches

All Banks in This State (A-Z)

AU SMALL FINANCE BANK LIMITED AXIS BANK

BANDHAN BANK LIMITED BANK OF BAHARAIN AND KUWAIT BSC BANK OF BARODA BANK OF INDIA BANK OF MAHARASHTRA

CANARA BANK CENTRAL BANK OF INDIA CITI BANK CITY UNION BANK LIMITED CSB BANK LIMITED

DBS BANK INDIA LIMITED DCB BANK LIMITED DHANALAKSHMI BANK DOHA BANK Q.P.S.C

EQUITAS SMALL FINANCE BANK LIMITED ESAF SMALL FINANCE BANK LIMITED

FEDERAL BANK FINO PAYMENTS BANK

HDFC BANK HSBC BANK

ICICI BANK LIMITED IDBI BANK IDFC FIRST BANK LTD INDIAN BANK INDIAN OVERSEAS BANK INDUSIND BANK

JAMMU AND KASHMIR BANK LIMITED

KARNATAKA BANK LIMITED KARUR VYSYA BANK KERALA GRAMIN BANK KOTAK MAHINDRA BANK LIMITED

PUNJAB AND SIND BANK PUNJAB NATIONAL BANK

RBL BANK LIMITED RESERVE BANK OF INDIA

SOUTH INDIAN BANK STANDARD CHARTERED BANK STATE BANK OF INDIA

TAMILNAD MERCANTILE BANK LIMITED THE KERALA STATE CO OPERATIVE BANK LTD THE NILAMBUR CO OPERATIVE URBAN BANK LTD NILAMBUR THE URBAN CO OPERATIVE BANK LTD NO ONE SEVEN FIVE EIGHT PERINTHALMANNA

UCO BANK UJJIVAN SMALL FINANCE BANK LIMITED UNION BANK OF INDIA UNITY SMALL FINANCE BANK LIMITED UTKARSH SMALL FINANCE BANK

YES BANK

How to Find & Use IFSC Codes in Kerala

Select Your Bank

Choose from 150+ banks operating in Kerala using our search tool or alphabetical list.

Choose Location

Filter by district or city within Kerala to find the nearest branch.

Get IFSC Code

View complete branch details including IFSC, MICR, address, and contact information.

Use for Transfers

Copy the IFSC code and use it for NEFT, RTGS, IMPS, or UPI transactions.

FAQs – Banking in Kerala

Need more help? Contact your bank's customer care or visit our comprehensive guides section for detailed information about IFSC codes, fund transfers, and banking services in Kerala.

IFSC Codes in Other States & Union Territories

Andhra Pradesh Arunachal Pradesh Assam Bihar Chhattisgarh Goa Gujarat Haryana Himachal Pradesh Jharkhand