IFSC Code of Karnataka Bank Limited, Adyanadka Branch, Karnataka

This page lists the IFSC code, branch address, contact number and fund-transfer information for Karnataka Bank Limited, ADYANADKA branch in ADYANADKA. The 11-digit IFSC KARB0000002 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Karnataka Bank Limited at the ADYANADKA location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for Karnataka Bank Limited – ADYANADKA is KARB0000002. The first four letters KARB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000002 map to this branch in ADYANADKA, KARNATAKA.

Bank profile

Karnataka Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Adyanadka branch — IFSC KARB0000002 — extends the bank's services to customers in and around Adyanadka, Karnataka.

Adyanadka branch overview

Located at D.NO.492/2A,KEPU VILLAGE,ADYANADKA, PIN - 574260, the Adyanadka branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC KARB0000002 is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

The role of IFSC in India's payments network

India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how Karnataka Bank Limited's ADYANADKA branch came to be assigned the code KARB0000002.

Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC KARB0000002, money simply cannot be routed to the ADYANADKA branch electronically.

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by Karnataka Bank Limited carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC KARB0000002 and the account number together uniquely identify the Adyanadka branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC KARB0000002

Online transfers in India are powered by three major channels — NEFT, RTGS and IMPS — and each one requires a destination IFSC. Below is a quick guide for using IFSC KARB0000002 across all three.

How to use IFSC KARB0000002 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Karnataka Bank Limited's ADYANADKA branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC KARB0000002.
4. Confirm the bank name auto-populates as Karnataka Bank Limited and the branch as ADYANADKA.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC KARB0000002

RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to Karnataka Bank Limited – ADYANADKA, ensure your bank's portal accepts IFSC KARB0000002 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Karnataka Bank Limited ADYANADKA (IFSC KARB0000002)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KARB0000002 in your mobile or internet banking app, and the money is credited to the ADYANADKA branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC KARB0000002 for Karnataka Bank Limited – ADYANADKA, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.

For most retail customers crediting the Adyanadka branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.

How UPI relates to the IFSC code

UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at Karnataka Bank Limited's ADYANADKA branch, the IFSC KARB0000002 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.

That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.

Products and account variants supported

Every account opened at the Adyanadka branch is mapped to IFSC KARB0000002 on the RBI payments network. The branch generally supports the full retail product catalogue of Karnataka Bank Limited, including:

• Resident savings accounts and salary accounts
• Current accounts for businesses and professionals
• Fixed deposits, recurring deposits and tax-saver deposits
• Demand drafts, banker's cheques and pay orders
• Retail loans — personal, vehicle, education, gold and home
• Credit cards and overdraft facilities (subject to eligibility)
• Third-party investment products such as mutual funds and insurance (through tie-ups)

Whichever product you choose, the IFSC for incoming credits remains KARB0000002.

Banking services available

The Adyanadka branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 8255-270225.

• Savings, current and salary accounts
• Fixed deposits and recurring deposits
• Personal, vehicle and home loans
• Demat and investment products (where supported)
• Internet banking and mobile banking enrolment
• Debit and credit card issuance
• Locker facilities (subject to availability)
• Foreign exchange services (at authorised branches)
• Bill payments, demand drafts and pay orders
• NEFT / RTGS / IMPS / UPI fund transfers using IFSC KARB0000002

Online banking and IFSC KARB0000002

Karnataka Bank Limited customers can register for net banking and the bank's official mobile app once their account at the ADYANADKA branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC KARB0000002 is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.

How to reach the Adyanadka branch

The branch is located at D.NO.492/2A,KEPU VILLAGE,ADYANADKA, PIN - 574260, which puts it inside Adyanadka, the broader Dakshina Kannada district, and the state of Karnataka. To plan your visit:

1. Open Google Maps on your phone and search for “Karnataka Bank Limited Adyanadka branch” — the verified location pin for IFSC KARB0000002 should appear at the top of the results.
2. Confirm the branch is open by calling 8255-270225 before stepping out, especially around public holidays.
3. Carry photo ID and any account-related documents you may need for the transaction you plan to do.

Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC KARB0000002 and your account number.

Common mistakes to avoid when using IFSC KARB0000002

An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to Karnataka Bank Limited – ADYANADKA, double-check for these issues:

• Confusing 0 with O. The fifth character of every IFSC is the digit 0, not the letter O. Read carefully.
• Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters: KARB0000002.
• Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
• Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
• Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.

Branch banking hours and holidays

Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Adyanadka branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KARB0000002, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC KARB0000002 for Karnataka Bank Limited – ADYANADKA, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

Branch address & contact

Frequently asked questions

Summary

The IFSC code KARB0000002 belongs to Karnataka Bank Limited's ADYANADKA branch, located at D.NO.492/2A,KEPU VILLAGE,ADYANADKA, PIN - 574260 in ADYANADKA, KARNATAKA. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.