IFSC Code of Karnataka Bank Limited, Aikala Branch, Karnataka

Below are the complete branch details for Karnataka Bank Limited, AIKALA branch, located in AIKALA, KARNATAKA. The IFSC assigned by the Reserve Bank of India to this branch is KARB0000012. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case KARB0000012 for Karnataka Bank Limited – AIKALA — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, KARB0000012 is the IFSC of Karnataka Bank Limited's AIKALA branch. The format is fixed: KARB = bank code, 0 = reserved, 000012 = branch identifier.

Branch details at a glance

About the bank

Karnataka Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Aikala branch in Aikala, Karnataka is part of this network and uses the IFSC code KARB0000012 for all electronic settlement.

Aikala branch overview

Located at RAMAKRISHNA NILAYA,POST KINNIGOLI,AIKALA, PIN - 574150, the Aikala branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC KARB0000012 is required for all interbank electronic transfers routed through this branch.

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 AIKALA branch came to be assigned the code KARB0000012.

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 KARB0000012, money simply cannot be routed to the AIKALA branch electronically.

How to transfer money using IFSC KARB0000012

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 KARB0000012 across all three.

NEFT to Karnataka Bank Limited, AIKALA using IFSC KARB0000012

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 KARB0000012, and confirm that the system picks up Karnataka Bank Limited – AIKALA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to AIKALA

If you need to transfer ₹2 lakh or more in one go to an account at Karnataka Bank Limited's AIKALA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KARB0000012 while initiating the transfer and the credit will appear within minutes.

IMPS to Karnataka Bank Limited AIKALA (IFSC KARB0000012)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KARB0000012 in your mobile or internet banking app, and the money is credited to the AIKALA branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Aikala

The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC KARB0000012:

• NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
• RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
• IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
• UPI — best for small peer-to-peer payments using a VPA; the underlying account at AIKALA is still linked to IFSC KARB0000012.

For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.

UPI payments and IFSC KARB0000012

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 – AIKALA is still mapped to IFSC KARB0000012. 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 KARB0000012 and the beneficiary's account number to complete the transfer.

Account types you can open at the Aikala branch

Once you have an account at Karnataka Bank Limited – AIKALA, the IFSC KARB0000012 stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

Products and services

Customers walking into the Aikala 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 KARB0000012

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 KARB0000012 and the account number together uniquely identify the Aikala branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC KARB0000012

Karnataka Bank Limited customers can register for net banking and the bank's official mobile app once their account at the AIKALA 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 KARB0000012 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 KARB0000012

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 – AIKALA, 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: KARB0000012.
• 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 Aikala branch sits at RAMAKRISHNA NILAYA,POST KINNIGOLI,AIKALA, PIN - 574150. If you are travelling from outside Aikala, search for the branch on a maps application using the bank name and locality, or call 824-2295118 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 KARB0000012 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC KARB0000012 for Karnataka Bank Limited – AIKALA, 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 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 Aikala branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KARB0000012, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code KARB0000012 belongs to Karnataka Bank Limited's AIKALA branch, located at RAMAKRISHNA NILAYA,POST KINNIGOLI,AIKALA, PIN - 574150 in AIKALA, 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.