Use this page as a one-stop reference for everything related to Karnataka Bank Limited's CHIKKODI branch in BELAGAVI, KARNATAKA. The branch's IFSC code KARB0000216 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.
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 – CHIKKODI is KARB0000216. The first four letters KARB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000216 map to this branch in BELAGAVI, KARNATAKA.
Branch details at a glance
| Bank Name | Karnataka Bank Limited |
|---|---|
| Branch | Chikkodi |
| IFSC Code | KARB0000216 |
| MICR Code | Refer to cheque leaf |
| Branch Address | TMC NO.5856/2876/P-2,NIPPANI-MAHALINGPUR,STATE HIGHWAY,R K COLONY,NEAR GOVT HOSPITAL,CHIKKODI-591201 |
| City | Belagavi |
| District | Belagavi |
| State | Karnataka |
| Phone | 9740864235 |
About the bank
Karnataka Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Chikkodi branch in Belagavi, Karnataka is part of this network and uses the IFSC code KARB0000216 for all electronic settlement.
About this branch
The branch is located at TMC NO.5856/2876/P-2,NIPPANI-MAHALINGPUR,STATE HIGHWAY,R K COLONY,NEAR GOVT HOSPITAL,CHIKKODI-591201. It serves the Belagavi 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 KARB0000216 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 CHIKKODI of Karnataka Bank Limited — its own 11-character IFSC. The code KARB0000216 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 KARB0000216 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 KARB0000216
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 KARB0000216 across all three.
How to use IFSC KARB0000216 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Karnataka Bank Limited's CHIKKODI 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC KARB0000216.
- Confirm the bank name auto-populates as Karnataka Bank Limited and the branch as CHIKKODI.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC KARB0000216
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 – CHIKKODI, ensure your bank's portal accepts IFSC KARB0000216 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Karnataka Bank Limited – CHIKKODI, use IMPS. With IFSC KARB0000216 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 KARB0000216 for Karnataka Bank Limited – CHIKKODI, 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 – KARB0000216 | Yes – KARB0000216 | Yes – KARB0000216 |
For most retail customers crediting the Chikkodi 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 KARB0000216
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 – CHIKKODI is still mapped to IFSC KARB0000216. 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 KARB0000216 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Chikkodi branch is mapped to IFSC KARB0000216 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 KARB0000216.
Products and services
Customers walking into the Chikkodi 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 KARB0000216
MICR & cheque-truncation details
Cheques drawn on the Chikkodi branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC KARB0000216 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Digital banking channels
Most day-to-day work that customers used to do at the Chikkodi branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC KARB0000216 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.
Things to verify before sending money
Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to Karnataka Bank Limited – CHIKKODI:
- The IFSC is exactly KARB0000216 with no extra spaces.
- The beneficiary's account number matches what they shared, digit for digit.
- The portal auto-fills Karnataka Bank Limited as the bank name and CHIKKODI as the branch.
- The amount and the purpose of payment are correct.
- You have a valid OTP-verifying mobile number on hand.
A 30-second review here saves hours of reconciliation later.
How to reach the Chikkodi branch
The branch is located at TMC NO.5856/2876/P-2,NIPPANI-MAHALINGPUR,STATE HIGHWAY,R K COLONY,NEAR GOVT HOSPITAL,CHIKKODI-591201, which puts it inside Belagavi, the broader Belagavi district, and the state of Karnataka. To plan your visit:
- Open Google Maps on your phone and search for “Karnataka Bank Limited Chikkodi branch” — the verified location pin for IFSC KARB0000216 should appear at the top of the results.
- Confirm the branch is open by calling 9740864235 before stepping out, especially around public holidays.
- 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 KARB0000216 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC KARB0000216 for Karnataka Bank Limited – CHIKKODI, 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 Chikkodi branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KARB0000216, however, work 24x7.
Branch address & contact
Karnataka Bank LimitedChikkodi Branch
TMC NO.5856/2876/P-2,NIPPANI-MAHALINGPUR,STATE HIGHWAY,R K COLONY,NEAR GOVT HOSPITAL,CHIKKODI-591201
Belagavi, Karnataka
Phone: 9740864235
IFSC: KARB0000216
Frequently asked questions
What is the phone number of Karnataka Bank Limited Chikkodi branch?
You can reach the branch at 9740864235 during regular banking hours.
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 Chikkodi branch but serve different purposes.
Where is Karnataka Bank Limited Chikkodi branch located?
Karnataka Bank Limited's Chikkodi branch is located at TMC NO.5856/2876/P-2,NIPPANI-MAHALINGPUR,STATE HIGHWAY,R K COLONY,NEAR GOVT HOSPITAL,CHIKKODI-591201, Belagavi, Karnataka.
Does Karnataka Bank Limited Chikkodi branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 9740864235 to confirm.
Is IFSC KARB0000216 the same for all accounts at Chikkodi branch?
Yes. The IFSC KARB0000216 is shared by every account held at Karnataka Bank Limited's Chikkodi branch. Only the account number changes from customer to customer.
How quickly will an NEFT transfer using KARB0000216 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Karnataka Bank Limited – Chikkodi reflect within 30 minutes.
Is IFSC KARB0000216 valid for NEFT and RTGS?
Yes. IFSC KARB0000216 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How do I add Karnataka Bank Limited Chikkodi as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC KARB0000216, and complete OTP verification. Once activated, you can transfer funds at any time.
Summary
The IFSC code KARB0000216 belongs to Karnataka Bank Limited's CHIKKODI branch, located at TMC NO.5856/2876/P-2,NIPPANI-MAHALINGPUR,STATE HIGHWAY,R K COLONY,NEAR GOVT… in BELAGAVI, 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.
