IFSC Code of Karnataka Bank Limited, Bengaluru-Gubbalala Branch, Karnataka

If you are searching for the IFSC code of Karnataka Bank Limited, BENGALURU-GUBBALALA branch in BENGALURU, KARNATAKA, this page has every detail you need. The verified IFSC code for this branch is KARB0000976. 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-GUBBALALA branch, and detailed step-by-step guides for using the IFSC KARB0000976 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-GUBBALALA is KARB0000976. The first four letters KARB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000976 map to this branch in BENGALURU, KARNATAKA.

Branch details at a glance

About the bank

Karnataka Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Bengaluru-Gubbalala branch in Bengaluru, Karnataka is part of this network and uses the IFSC code KARB0000976 for all electronic settlement.

Bengaluru-Gubbalala branch overview

Located at D.NO-59 & 60,GROUND FLOOR,VINAYAKA NAGAR LAYOUT, TURAHALLI ROAD,GUBBALALA , BENGALURU-560061,BANGALURU SOUTH TALUK, the Bengaluru-Gubbalala branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC KARB0000976 is required for all interbank electronic transfers routed through this branch.

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-GUBBALALA of Karnataka Bank Limited — its own 11-character IFSC. The code KARB0000976 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 KARB0000976 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 KARB0000976

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 KARB0000976 across all three.

NEFT to Karnataka Bank Limited, BENGALURU-GUBBALALA using IFSC KARB0000976

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 KARB0000976, and confirm that the system picks up Karnataka Bank Limited – BENGALURU-GUBBALALA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC KARB0000976

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-GUBBALALA, ensure your bank's portal accepts IFSC KARB0000976 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Karnataka Bank Limited – BENGALURU-GUBBALALA, use IMPS. With IFSC KARB0000976 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 KARB0000976 for Karnataka Bank Limited – BENGALURU-GUBBALALA, 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.

For most retail customers crediting the Bengaluru-Gubbalala 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 KARB0000976

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-GUBBALALA is still mapped to IFSC KARB0000976. 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 KARB0000976 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Bengaluru-Gubbalala branch is mapped to IFSC KARB0000976 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 KARB0000976.

Banking services available

The Bengaluru-Gubbalala 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 KARB0000976

MICR & cheque-truncation details

Cheques drawn on the Bengaluru-Gubbalala branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC KARB0000976 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC KARB0000976

Karnataka Bank Limited customers can register for net banking and the bank's official mobile app once their account at the BENGALURU-GUBBALALA 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 KARB0000976 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.

Common mistakes to avoid when using IFSC KARB0000976

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-GUBBALALA, 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: KARB0000976.
• 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.

Reaching the branch

The Bengaluru-Gubbalala branch sits at D.NO-59 & 60,GROUND FLOOR,VINAYAKA NAGAR LAYOUT, TURAHALLI ROAD,GUBBALALA , BENGALURU-560061,BANGALURU SOUTH TALUK. If you are travelling from outside Bengaluru, search for the branch on a maps application using the bank name and locality, or call the branch contact number 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 KARB0000976 and your account number.

Verifying IFSC KARB0000976 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 KARB0000976 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-Gubbalala 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 KARB0000976 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code KARB0000976 belongs to Karnataka Bank Limited's BENGALURU-GUBBALALA branch, located at D.NO-59 & 60,GROUND FLOOR,VINAYAKA NAGAR LAYOUT, TURAHALLI ROAD,GUBBALALA ,… 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.