IFSC Code of Karnataka Bank Limited, Bengaluru-Bull Temple Road Branch, Karnataka

If you are searching for the IFSC code of Karnataka Bank Limited, BENGALURU-BULL TEMPLE ROAD branch in BENGALURU, KARNATAKA, this page has every detail you need. The verified IFSC code for this branch is KARB0000970. 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-BULL TEMPLE ROAD branch, and detailed step-by-step guides for using the IFSC KARB0000970 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.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For Karnataka Bank Limited's BENGALURU-BULL TEMPLE ROAD branch, the IFSC KARB0000970 breaks down as follows: KARB identifies the bank, 0 is the reserved character, and 000970 identifies this particular branch.

About Karnataka Bank Limited

Karnataka Bank Limited operates a wide network of branches across India, including the Bengaluru-Bull Temple Road 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, KARB0000970.

About this branch

The branch is located at D.NO.109,BULL TEMPLE ROAD, BENGALURU SOUTH TALUK-560019. It serves the Bengaluru 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 KARB0000970 is used to identify this branch on the RBI payments network.

Branch details at a glance

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 BENGALURU-BULL TEMPLE ROAD of Karnataka Bank Limited — its own 11-character IFSC. The code KARB0000970 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 KARB0000970 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 KARB0000970 and the account number together uniquely identify the Bengaluru-Bull Temple Road branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC KARB0000970

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 KARB0000970 across all three.

How to use IFSC KARB0000970 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Karnataka Bank Limited's BENGALURU-BULL TEMPLE ROAD 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).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC KARB0000970.
4. Confirm the bank name auto-populates as Karnataka Bank Limited and the branch as BENGALURU-BULL TEMPLE ROAD.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC KARB0000970

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-BULL TEMPLE ROAD, ensure your bank's portal accepts IFSC KARB0000970 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Karnataka Bank Limited BENGALURU-BULL TEMPLE ROAD (IFSC KARB0000970)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KARB0000970 in your mobile or internet banking app, and the money is credited to the BENGALURU-BULL TEMPLE ROAD branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Bengaluru-Bull Temple Road

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 KARB0000970:

• 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-BULL TEMPLE ROAD is still linked to IFSC KARB0000970.

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 KARB0000970

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-BULL TEMPLE ROAD is still mapped to IFSC KARB0000970. 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 KARB0000970 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Bengaluru-Bull Temple Road branch is mapped to IFSC KARB0000970 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 KARB0000970.

Banking services available

The Bengaluru-Bull Temple Road branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 9538220140.

• 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 KARB0000970

Digital banking channels

Most day-to-day work that customers used to do at the Bengaluru-Bull Temple Road 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 KARB0000970 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.

Reaching the branch

The Bengaluru-Bull Temple Road branch sits at D.NO.109,BULL TEMPLE ROAD, BENGALURU SOUTH TALUK-560019. If you are travelling from outside Bengaluru, search for the branch on a maps application using the bank name and locality, or call 9538220140 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 KARB0000970 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 – BENGALURU-BULL TEMPLE ROAD:

• The IFSC is exactly KARB0000970 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 BENGALURU-BULL TEMPLE ROAD 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 Bengaluru-Bull Temple Road 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 KARB0000970 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC KARB0000970 for Karnataka Bank Limited – BENGALURU-BULL TEMPLE ROAD, 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

Frequently asked questions

Summary

The IFSC code KARB0000970 belongs to Karnataka Bank Limited's BENGALURU-BULL TEMPLE ROAD branch, located at D.NO.109,BULL TEMPLE ROAD, BENGALURU SOUTH TALUK-560019 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.