This page lists the IFSC code, branch address, contact number and fund-transfer information for Karnataka Bank Limited, UDYAMBAG ,GIT EXTN. branch in BELGAUM. The 11-digit IFSC KARB0000116 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 UDYAMBAG ,GIT EXTN. 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.
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, KARB0000116 is the IFSC of Karnataka Bank Limited's UDYAMBAG ,GIT EXTN. branch. The format is fixed: KARB = bank code, 0 = reserved, 000116 = branch identifier.
About Karnataka Bank Limited
Karnataka Bank Limited operates a wide network of branches across India, including the Udyambag ,Git Extn. branch in Belgaum. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, KARB0000116.
About this branch
The branch is located at K.L.SOCIETY GOGTE INSTITUTE OF TECHNOLOGY CAMPUS,UDAYAMBHAG,KHANAPUR ROAD,BANGALORE, PIN - 590002. It serves the Belgaum 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 KARB0000116 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | Karnataka Bank Limited |
|---|---|
| Branch | Udyambag ,Git Extn. |
| IFSC Code | KARB0000116 |
| MICR Code | Refer to cheque leaf |
| Branch Address | K.L.SOCIETY GOGTE INSTITUTE OF TECHNOLOGY CAMPUS,UDAYAMBHAG,KHANAPUR ROAD,BANGALORE, PIN - 590002 |
| City | Belgaum |
| District | Belgaum |
| State | Karnataka |
| STD Code | 831 |
| Phone | 2440365 |
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 UDYAMBAG ,GIT EXTN. of Karnataka Bank Limited — its own 11-character IFSC. The code KARB0000116 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 KARB0000116 the same way you would treat your account number — verify it once and save it carefully for future use.
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 KARB0000116 and the account number together uniquely identify the Udyambag ,Git Extn. branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC KARB0000116
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 KARB0000116 across all three.
NEFT to Karnataka Bank Limited, UDYAMBAG ,GIT EXTN. using IFSC KARB0000116
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 KARB0000116, and confirm that the system picks up Karnataka Bank Limited – UDYAMBAG ,GIT EXTN.. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to UDYAMBAG ,GIT EXTN.
If you need to transfer ₹2 lakh or more in one go to an account at Karnataka Bank Limited's UDYAMBAG ,GIT EXTN. branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KARB0000116 while initiating the transfer and the credit will appear within minutes.
Send money instantly through IMPS
For a real-time, anytime transfer to Karnataka Bank Limited – UDYAMBAG ,GIT EXTN., use IMPS. With IFSC KARB0000116 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 KARB0000116 for Karnataka Bank Limited – UDYAMBAG ,GIT EXTN., 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 – KARB0000116 | Yes – KARB0000116 | Yes – KARB0000116 |
For most retail customers crediting the Udyambag ,Git Extn. 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 KARB0000116
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 – UDYAMBAG ,GIT EXTN. is still mapped to IFSC KARB0000116. 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 KARB0000116 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Udyambag ,Git Extn. branch is mapped to IFSC KARB0000116 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 KARB0000116.
Products and services
Customers walking into the Udyambag ,Git Extn. 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 KARB0000116
Online banking and IFSC KARB0000116
Karnataka Bank Limited customers can register for net banking and the bank's official mobile app once their account at the UDYAMBAG ,GIT EXTN. 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 KARB0000116 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.
Reaching the branch
The Udyambag ,Git Extn. branch sits at K.L.SOCIETY GOGTE INSTITUTE OF TECHNOLOGY CAMPUS,UDAYAMBHAG,KHANAPUR ROAD,BANGALORE, PIN - 590002. If you are travelling from outside Belgaum, search for the branch on a maps application using the bank name and locality, or call 831-2440365 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 KARB0000116 and your account number.
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 – UDYAMBAG ,GIT EXTN.:
- The IFSC is exactly KARB0000116 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 UDYAMBAG ,GIT EXTN. 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.
Working hours
Branch counters at Udyambag ,Git Extn. are usually open from 10 AM to 4 PM on weekdays. Saturdays follow the RBI's alternate-Saturday rule. Even when the branch is closed, NEFT, RTGS, IMPS and UPI transfers addressed to KARB0000116 continue to work without interruption.
Other ways to verify the IFSC code
While this page already lists the verified IFSC KARB0000116 for Karnataka Bank Limited – UDYAMBAG ,GIT EXTN., 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
Karnataka Bank LimitedUdyambag ,Git Extn. Branch
K.L.SOCIETY GOGTE INSTITUTE OF TECHNOLOGY CAMPUS,UDAYAMBHAG,KHANAPUR ROAD,BANGALORE, PIN - 590002
Belgaum, Karnataka
Phone: 831-2440365
IFSC: KARB0000116
Frequently asked questions
What is the phone number of Karnataka Bank Limited Udyambag ,Git Extn. branch?
You can reach the branch at 831-2440365 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 Udyambag ,Git Extn. branch but serve different purposes.
How do I add Karnataka Bank Limited Udyambag ,Git Extn. as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC KARB0000116, and complete OTP verification. Once activated, you can transfer funds at any time.
Where is Karnataka Bank Limited Udyambag ,Git Extn. branch located?
Karnataka Bank Limited's Udyambag ,Git Extn. branch is located at K.L.SOCIETY GOGTE INSTITUTE OF TECHNOLOGY CAMPUS,UDAYAMBHAG,KHANAPUR ROAD,BANGALORE, PIN - 590002, Belgaum, Karnataka.
Can I use IFSC KARB0000116 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC KARB0000116 to send funds instantly.
How quickly will an NEFT transfer using KARB0000116 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Karnataka Bank Limited – Udyambag ,Git Extn. reflect within 30 minutes.
Final notes
To recap: KARB0000116 is the IFSC code of Karnataka Bank Limited, UDYAMBAG ,GIT EXTN. branch, in BELGAUM, KARNATAKA. 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.
