If you are searching for the IFSC code of Karnataka Bank Limited, AGRA branch in AGRA, UTTAR PRADESH, this page has every detail you need. The verified IFSC code for this branch is KARB0000030. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.
You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the AGRA branch, and detailed step-by-step guides for using the IFSC KARB0000030 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular 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 – AGRA is KARB0000030. The first four letters KARB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000030 map to this branch in AGRA, UTTAR PRADESH.
Branch details at a glance
| Bank Name | Karnataka Bank Limited |
|---|---|
| Branch | Agra |
| IFSC Code | KARB0000030 |
| MICR Code | Refer to cheque leaf |
| Branch Address | NO.76,HERITAGE TOWERS,MAHATMA GANDHI ROAD,NEHRU NAGAR,AGRA, PIN - 282002 |
| City | Agra |
| District | Agra |
| State | Uttar Pradesh |
| STD Code | 562 |
| Phone | 2525087 |
About the bank
Karnataka Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Agra branch in Agra, Uttar Pradesh is part of this network and uses the IFSC code KARB0000030 for all electronic settlement.
About this branch
The branch is located at NO.76,HERITAGE TOWERS,MAHATMA GANDHI ROAD,NEHRU NAGAR,AGRA, PIN - 282002. It serves the Agra region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Karnataka Bank Limited. The IFSC KARB0000030 is used to identify this branch on the RBI payments network.
Why every Karnataka Bank Limited branch has a unique IFSC
Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including AGRA of Karnataka Bank Limited — its own 11-character IFSC. The code KARB0000030 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.
Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC KARB0000030 the same way you would treat your account number — verify it once and save it carefully for future use.
How to transfer money using IFSC KARB0000030
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 KARB0000030 across all three.
NEFT to Karnataka Bank Limited, AGRA using IFSC KARB0000030
National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.
To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC KARB0000030, and confirm that the system picks up Karnataka Bank Limited – AGRA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC KARB0000030
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 – AGRA, ensure your bank's portal accepts IFSC KARB0000030 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Karnataka Bank Limited – AGRA, use IMPS. With IFSC KARB0000030 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC KARB0000030 for Karnataka Bank Limited – AGRA, 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – KARB0000030 | Yes – KARB0000030 | Yes – KARB0000030 |
For most retail customers crediting the Agra 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.
UPI payments and IFSC KARB0000030
UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at Karnataka Bank Limited – AGRA is still mapped to IFSC KARB0000030. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.
If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC KARB0000030 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Agra branch is mapped to IFSC KARB0000030 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 KARB0000030.
Products and services
Customers walking into the Agra branch can access most of Karnataka Bank Limited's standard product suite, including:
- Account opening – savings, current, NRI, salary
- Term deposits and recurring deposits
- Retail and small-business loans
- Insurance and mutual-fund tie-ups
- Locker, safe deposit and ATM card services
- Online and mobile banking activation
- Electronic transfers via IFSC KARB0000030
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 KARB0000030 and the account number together uniquely identify the Agra branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC KARB0000030
Karnataka Bank Limited customers can register for net banking and the bank's official mobile app once their account at the AGRA 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 KARB0000030 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.
Common mistakes to avoid when using IFSC KARB0000030
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 – AGRA, 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:
KARB0000030. - 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.
Reaching the branch
The Agra branch sits at NO.76,HERITAGE TOWERS,MAHATMA GANDHI ROAD,NEHRU NAGAR,AGRA, PIN - 282002. If you are travelling from outside Agra, search for the branch on a maps application using the bank name and locality, or call 562-2525087 to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC KARB0000030 and your account number.
Verifying IFSC KARB0000030 from official sources
The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm KARB0000030 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 562-2525087.
- Visiting the bank's official branch locator page.
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 Agra branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KARB0000030, however, work 24x7.
Branch address & contact
Karnataka Bank LimitedAgra Branch
NO.76,HERITAGE TOWERS,MAHATMA GANDHI ROAD,NEHRU NAGAR,AGRA, PIN - 282002
Agra, Uttar Pradesh
Phone: 562-2525087
IFSC: KARB0000030
Frequently asked questions
Where is Karnataka Bank Limited Agra branch located?
Karnataka Bank Limited's Agra branch is located at NO.76,HERITAGE TOWERS,MAHATMA GANDHI ROAD,NEHRU NAGAR,AGRA, PIN - 282002, Agra, Uttar Pradesh.
How quickly will an NEFT transfer using KARB0000030 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Karnataka Bank Limited – Agra reflect within 30 minutes.
What is the phone number of Karnataka Bank Limited Agra branch?
You can reach the branch at 562-2525087 during regular banking hours.
Is IFSC KARB0000030 the same for all accounts at Agra branch?
Yes. The IFSC KARB0000030 is shared by every account held at Karnataka Bank Limited's Agra branch. Only the account number changes from customer to customer.
What is the IFSC code of Karnataka Bank Limited Agra branch?
The IFSC code of Karnataka Bank Limited, Agra branch is KARB0000030. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Agra branch but serve different purposes.
Is IFSC KARB0000030 valid for NEFT and RTGS?
Yes. IFSC KARB0000030 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Can I use IFSC KARB0000030 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC KARB0000030 to send funds instantly.
Final notes
To recap: KARB0000030 is the IFSC code of Karnataka Bank Limited, AGRA branch, in AGRA, UTTAR PRADESH. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.
