IFSC Code of Karnataka Bank Limited, Bengaluru-Budda Jyothi Layout Branch, Karnataka

If you are searching for the IFSC code of Karnataka Bank Limited, BENGALURU-BUDDA JYOTHI LAYOUT branch in BENGALURU, KARNATAKA, this page has every detail you need. The verified IFSC code for this branch is KARB0000986. 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 BENGALURU-BUDDA JYOTHI LAYOUT branch, and detailed step-by-step guides for using the IFSC KARB0000986 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 – BENGALURU-BUDDA JYOTHI LAYOUT is KARB0000986. The first four letters KARB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000986 map to this branch in BENGALURU, KARNATAKA.

About Karnataka Bank Limited

Karnataka Bank Limited operates a wide network of branches across India, including the Bengaluru-Budda Jyothi Layout branch in Bengaluru. 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, KARB0000986.

Branch details at a glance

About the Bengaluru-Budda Jyothi Layout branch

The Bengaluru-Budda Jyothi Layout branch of Karnataka Bank Limited is situated at GROUND FLOOR,SITE NO.11,BUDDHA JYOTHI LAYOUT, CHIKKABIDREKALLU,NAGASANDRA POST-560073, BENGALURU. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code KARB0000986 is used.

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 BENGALURU-BUDDA JYOTHI LAYOUT branch came to be assigned the code KARB0000986.

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 KARB0000986, money simply cannot be routed to the BENGALURU-BUDDA JYOTHI LAYOUT branch electronically.

Products and account variants supported

Every account opened at the Bengaluru-Budda Jyothi Layout branch is mapped to IFSC KARB0000986 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 KARB0000986.

Banking services available

The Bengaluru-Budda Jyothi Layout branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 8242228125.

• 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 KARB0000986

How to transfer money using IFSC KARB0000986

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 KARB0000986 across all three.

NEFT to Karnataka Bank Limited, BENGALURU-BUDDA JYOTHI LAYOUT using IFSC KARB0000986

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 KARB0000986, and confirm that the system picks up Karnataka Bank Limited – BENGALURU-BUDDA JYOTHI LAYOUT. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC KARB0000986

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 – BENGALURU-BUDDA JYOTHI LAYOUT, ensure your bank's portal accepts IFSC KARB0000986 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Karnataka Bank Limited BENGALURU-BUDDA JYOTHI LAYOUT (IFSC KARB0000986)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KARB0000986 in your mobile or internet banking app, and the money is credited to the BENGALURU-BUDDA JYOTHI LAYOUT branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Bengaluru-Budda Jyothi Layout

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 KARB0000986:

• 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 BENGALURU-BUDDA JYOTHI LAYOUT is still linked to IFSC KARB0000986.

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 KARB0000986

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 – BENGALURU-BUDDA JYOTHI LAYOUT is still mapped to IFSC KARB0000986. 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 KARB0000986 and the beneficiary's account number to complete the transfer.

Digital banking channels

Most day-to-day work that customers used to do at the Bengaluru-Budda Jyothi Layout 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 KARB0000986 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.

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 KARB0000986 and the account number together uniquely identify the Bengaluru-Budda Jyothi Layout branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Common mistakes to avoid when using IFSC KARB0000986

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 – BENGALURU-BUDDA JYOTHI LAYOUT, 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: KARB0000986.
• 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.

How to reach the Bengaluru-Budda Jyothi Layout branch

The branch is located at GROUND FLOOR,SITE NO.11,BUDDHA JYOTHI LAYOUT, CHIKKABIDREKALLU,NAGASANDRA POST-560073, BENGALURU, which puts it inside Bengaluru, the broader Bengaluru Urban district, and the state of Karnataka. To plan your visit:

1. Open Google Maps on your phone and search for “Karnataka Bank Limited Bengaluru-Budda Jyothi Layout branch” — the verified location pin for IFSC KARB0000986 should appear at the top of the results.
2. Confirm the branch is open by calling 8242228125 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 KARB0000986 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC KARB0000986 for Karnataka Bank Limited – BENGALURU-BUDDA JYOTHI LAYOUT, 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 Bengaluru-Budda Jyothi Layout branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KARB0000986, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code KARB0000986 belongs to Karnataka Bank Limited's BENGALURU-BUDDA JYOTHI LAYOUT branch, located at GROUND FLOOR,SITE NO.11,BUDDHA JYOTHI LAYOUT, CHIKKABIDREKALLU,NAGASANDRA… in BENGALURU, 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.