IFSC Code of Karnataka Bank Limited, Bengaluru-Hbr Layout Branch, Karnataka

Use this page as a one-stop reference for everything related to Karnataka Bank Limited's BENGALURU-HBR LAYOUT branch in BENGALURU, KARNATAKA. The branch's IFSC code KARB0000227 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

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-HBR LAYOUT is KARB0000227. The first four letters KARB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000227 map to this branch in BENGALURU, KARNATAKA.

Branch details at a glance

About Karnataka Bank Limited

Karnataka Bank Limited operates a wide network of branches across India, including the Bengaluru-Hbr 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, KARB0000227.

Bengaluru-Hbr Layout branch overview

Located at 401, GROUND FLOOR, 5TH BLOCK, 1ST STAGE, HBR LAYOUT, KALYAN NAGAR, BENGALURU NORTH TALUK, the Bengaluru-Hbr Layout branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC KARB0000227 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-HBR LAYOUT of Karnataka Bank Limited — its own 11-character IFSC. The code KARB0000227 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 KARB0000227 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 KARB0000227

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 KARB0000227 across all three.

How to use IFSC KARB0000227 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Karnataka Bank Limited's BENGALURU-HBR LAYOUT 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 KARB0000227.
4. Confirm the bank name auto-populates as Karnataka Bank Limited and the branch as BENGALURU-HBR LAYOUT.
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 KARB0000227

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-HBR LAYOUT, ensure your bank's portal accepts IFSC KARB0000227 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-HBR LAYOUT, use IMPS. With IFSC KARB0000227 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 KARB0000227 for Karnataka Bank Limited – BENGALURU-HBR LAYOUT, 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-Hbr Layout 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 KARB0000227

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-HBR LAYOUT is still mapped to IFSC KARB0000227. 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 KARB0000227 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Bengaluru-Hbr Layout branch is mapped to IFSC KARB0000227 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 KARB0000227.

Banking services available

The Bengaluru-Hbr Layout 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 KARB0000227

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 KARB0000227 and the account number together uniquely identify the Bengaluru-Hbr Layout branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC KARB0000227

Karnataka Bank Limited customers can register for net banking and the bank's official mobile app once their account at the BENGALURU-HBR LAYOUT 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 KARB0000227 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.

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-HBR LAYOUT:

• The IFSC is exactly KARB0000227 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-HBR LAYOUT 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.

Reaching the branch

The Bengaluru-Hbr Layout branch sits at 401, GROUND FLOOR, 5TH BLOCK, 1ST STAGE, HBR LAYOUT, KALYAN NAGAR, BENGALURU NORTH 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 KARB0000227 and your account number.

Verifying IFSC KARB0000227 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 KARB0000227 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-Hbr Layout 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 KARB0000227 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: KARB0000227 is the IFSC code of Karnataka Bank Limited, BENGALURU-HBR LAYOUT 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.