Kerala State Co-operative Bank MICR Codes in Ernakulam, Kerala

Kerala State Co-operative Bank MICR Codes in Ernakulam, Kerala

Kerala State Co-operative Bank has 66 branches in Ernakulam, Kerala, with 66 branches registered on the Reserve Bank of India's Cheque Truncation System (CTS) grid. Each branch has a unique 9-digit MICR code — the magnetic ink identifier printed at the bottom of every cheque issued by that branch. BankZop's Kerala State Co-operative Bank Ernakulam directory is sourced directly from official RBI CTS data, making it the most reliable reference for branch MICR codes in Ernakulam.

Click any branch from the list above to view its complete details — MICR code, IFSC code, BSR code, address, and phone number — all on a single result page with one-click copy buttons.

How to Find Your Kerala State Co-operative Bank MICR Code in Ernakulam

You are one click away from the MICR code you need. Here is the process:

• Step 1 — Filter if needed: Type your branch name in the search box above if the list is long. The list filters instantly as you type.
• Step 2 — Click your branch: Click the branch where your Kerala State Co-operative Bank account is held. Make sure it is the exact branch — not just any Kerala State Co-operative Bank branch in Ernakulam.
• Step 3 — Copy the MICR code: The result page shows the 9-digit MICR code with a large Copy button. It also shows the IFSC code, BSR code, full address, and phone number for the same branch.

If you are not sure which branch your account belongs to, check your Kerala State Co-operative Bank passbook first page, internet banking account summary, or the cheque book issued by your branch. The MICR code on your cheque will match the one on BankZop for the same branch.

What is the MICR Code for Kerala State Co-operative Bank in Ernakulam?

Every Kerala State Co-operative Bank branch in Ernakulam has a 9-digit MICR code structured as follows:

• Digits 1–3 (City Code): All Kerala State Co-operative Bank branches in Ernakulam share the same first 3 digits — the CTS city code assigned by the RBI for the Ernakulam clearing zone.
• Digits 4–6 (Bank Code): These 3 digits identify Kerala State Co-operative Bank within the Ernakulam clearing zone. All Kerala State Co-operative Bank branches in Ernakulam share this segment.
• Digits 7–9 (Branch Code): The final 3 digits are unique to each branch. This is what differentiates the 66 Kerala State Co-operative Bank branches in Ernakulam from each other.

This means that even if two Kerala State Co-operative Bank branches are on the same street in Ernakulam, they have different MICR codes. Always use the code for the specific branch where your account is held — not just any Kerala State Co-operative Bank Ernakulam branch.

When You Need the Kerala State Co-operative Bank Ernakulam MICR Code

SIP Registrations and Mutual Fund Mandates

When registering a Systematic Investment Plan (SIP), the NACH mandate form asks for your bank branch's MICR code. If your account is at a Kerala State Co-operative Bank branch in Ernakulam, find your branch's MICR code above and enter it on the mandate form. The NPCI's NACH platform uses this code to debit your account each month for the SIP instalment. Using an incorrect MICR code causes mandate rejection and delays your SIP setup.

ECS Mandates for Bills and Insurance

ECS (Electronic Clearing Service) auto-debits for electricity, broadband, gas, and insurance premiums require your Kerala State Co-operative Bank branch MICR code in Ernakulam. The ECS mandate form has a specific field for the 9-digit MICR code — not the IFSC. The clearing system uses this to identify your branch and process the recurring debit on the scheduled date.

Loan EMI Collection

Banks and NBFCs serving Ernakulam collect loan EMIs via NACH mandates. When you take a home loan, personal loan, or vehicle loan, the lender asks for your bank account's MICR code to set up the monthly auto-debit. Enter the MICR code of your specific Kerala State Co-operative Bank branch in Ernakulam — found by clicking your branch in the list above.

About Kerala State Co-operative Bank Branches in Ernakulam, Kerala

Kerala State Co-operative Bank has been serving customers in Ernakulam with a network of 66 branches offering full banking services — savings accounts, current accounts, loans, fixed deposits, and digital banking. All 66 MICR-enabled branches participate in the RBI's CTS cheque clearing system, ensuring cheques deposited anywhere in India are cleared within one business day.

To browse Kerala State Co-operative Bank branches in other cities in Kerala, visit the Kerala State Co-operative Bank Kerala directory. For all Kerala State Co-operative Bank branches nationwide, see the Kerala State Co-operative Bank MICR code directory. For electronic transfer codes, use the Kerala State Co-operative Bank Ernakulam IFSC directory. For loan EMI planning, use the free EMI Calculator.