IFSC Code of Karnataka Bank Limited, Bengaluru-Electronic City Phase I Branch, Karnataka

If you are searching for the IFSC code of Karnataka Bank Limited, BENGALURU-ELECTRONIC CITY PHASE I branch in BENGALURU, KARNATAKA, this page has every detail you need. The verified IFSC code for this branch is KARB0000963. 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-ELECTRONIC CITY PHASE I branch, and detailed step-by-step guides for using the IFSC KARB0000963 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.

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, KARB0000963 is the IFSC of Karnataka Bank Limited's BENGALURU-ELECTRONIC CITY PHASE I branch. The format is fixed: KARB = bank code, 0 = reserved, 000963 = branch identifier.

About Karnataka Bank Limited

Karnataka Bank Limited operates a wide network of branches across India, including the Bengaluru-Electronic City Phase I 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, KARB0000963.

Branch details at a glance

About this branch

The branch is located at D.NO.152/5,E K PLAZA,NEELADRI LAYOUT,OPP. FERNHILLS APARTMENTS,DODDATHOGURU,ELECTRONIC CITY PHASE-1,BENGALURU-560100. 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 KARB0000963 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 BENGALURU-ELECTRONIC CITY PHASE I of Karnataka Bank Limited — its own 11-character IFSC. The code KARB0000963 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 KARB0000963 the same way you would treat your account number — verify it once and save it carefully for future use.

Account types you can open at the Bengaluru-Electronic City Phase I branch

Once you have an account at Karnataka Bank Limited – BENGALURU-ELECTRONIC CITY PHASE I, the IFSC KARB0000963 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.

Banking services available

The Bengaluru-Electronic City Phase I branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on the branch contact number.

• 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 KARB0000963

How to transfer money using IFSC KARB0000963

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 KARB0000963 across all three.

NEFT to Karnataka Bank Limited, BENGALURU-ELECTRONIC CITY PHASE I using IFSC KARB0000963

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 KARB0000963, and confirm that the system picks up Karnataka Bank Limited – BENGALURU-ELECTRONIC CITY PHASE I. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to BENGALURU-ELECTRONIC CITY PHASE I

If you need to transfer ₹2 lakh or more in one go to an account at Karnataka Bank Limited's BENGALURU-ELECTRONIC CITY PHASE I branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KARB0000963 while initiating the transfer and the credit will appear within minutes.

IMPS to Karnataka Bank Limited BENGALURU-ELECTRONIC CITY PHASE I (IFSC KARB0000963)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KARB0000963 in your mobile or internet banking app, and the money is credited to the BENGALURU-ELECTRONIC CITY PHASE I branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Bengaluru-Electronic City Phase I

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 KARB0000963:

• 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-ELECTRONIC CITY PHASE I is still linked to IFSC KARB0000963.

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 KARB0000963

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-ELECTRONIC CITY PHASE I is still mapped to IFSC KARB0000963. 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 KARB0000963 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-Electronic City Phase I 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 KARB0000963 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 KARB0000963 and the account number together uniquely identify the Bengaluru-Electronic City Phase I branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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-ELECTRONIC CITY PHASE I:

• The IFSC is exactly KARB0000963 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-ELECTRONIC CITY PHASE I 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 Bengaluru-Electronic City Phase I branch

The branch is located at D.NO.152/5,E K PLAZA,NEELADRI LAYOUT,OPP. FERNHILLS APARTMENTS,DODDATHOGURU,ELECTRONIC CITY PHASE-1,BENGALURU-560100, 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-Electronic City Phase I branch” — the verified location pin for IFSC KARB0000963 should appear at the top of the results.
2. Confirm the branch is open by calling the branch contact number 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 KARB0000963 and your account number.

Verifying IFSC KARB0000963 from official sources

The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm KARB0000963 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on the branch contact number.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Bengaluru-Electronic City Phase I 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 KARB0000963 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: KARB0000963 is the IFSC code of Karnataka Bank Limited, BENGALURU-ELECTRONIC CITY PHASE I branch, in BENGALURU, 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.