IFSC Code of Karnataka Bank Limited, Jnana Bharathi Branch, Karnataka

Below are the complete branch details for Karnataka Bank Limited, JNANA BHARATHI branch, located in BENGALURU, KARNATAKA. The IFSC assigned by the Reserve Bank of India to this branch is KARB0001037. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case KARB0001037 for Karnataka Bank Limited – JNANA BHARATHI — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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, KARB0001037 is the IFSC of Karnataka Bank Limited's JNANA BHARATHI branch. The format is fixed: KARB = bank code, 0 = reserved, 001037 = branch identifier.

Bank profile

Karnataka Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Jnana Bharathi branch — IFSC KARB0001037 — extends the bank's services to customers in and around Bengaluru, Karnataka.

Jnana Bharathi branch overview

Located at NO. 353/346/4/42/89, GROUND FLOOR, 4TH MAIN ROAD, NEAR CHAITHANYA TECHNO SCHOOL, JNANAJYOTHINAGAR, JNANA BHARATHI, BENGALURU - 560 056 BENGALURU NORTH TALUK, BENGALURU URBAN DISTRICT KARNATAKA STATE, the Jnana Bharathi branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC KARB0001037 is required for all interbank electronic transfers routed through this branch.

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 JNANA BHARATHI of Karnataka Bank Limited — its own 11-character IFSC. The code KARB0001037 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 KARB0001037 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 KARB0001037 and the account number together uniquely identify the Jnana Bharathi branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC KARB0001037

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 KARB0001037 across all three.

NEFT to Karnataka Bank Limited, JNANA BHARATHI using IFSC KARB0001037

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 KARB0001037, and confirm that the system picks up Karnataka Bank Limited – JNANA BHARATHI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to JNANA BHARATHI

If you need to transfer ₹2 lakh or more in one go to an account at Karnataka Bank Limited's JNANA BHARATHI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KARB0001037 while initiating the transfer and the credit will appear within minutes.

IMPS to Karnataka Bank Limited JNANA BHARATHI (IFSC KARB0001037)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KARB0001037 in your mobile or internet banking app, and the money is credited to the JNANA BHARATHI branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC KARB0001037 for Karnataka Bank Limited – JNANA BHARATHI, 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 Jnana Bharathi 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.

How UPI relates to the IFSC code

UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at Karnataka Bank Limited's JNANA BHARATHI branch, the IFSC KARB0001037 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.

That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.

Products and account variants supported

Every account opened at the Jnana Bharathi branch is mapped to IFSC KARB0001037 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 KARB0001037.

Products and services

Customers walking into the Jnana Bharathi branch can access most of Karnataka Bank Limited's standard product suite, including:

• Account opening – savings, current, NRI, salary
• Term deposits and recurring deposits
• Retail and small-business loans
• Insurance and mutual-fund tie-ups
• Locker, safe deposit and ATM card services
• Online and mobile banking activation
• Electronic transfers via IFSC KARB0001037

Online banking and IFSC KARB0001037

Karnataka Bank Limited customers can register for net banking and the bank's official mobile app once their account at the JNANA BHARATHI 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 KARB0001037 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.

How to reach the Jnana Bharathi branch

The branch is located at NO. 353/346/4/42/89, GROUND FLOOR, 4TH MAIN ROAD, NEAR CHAITHANYA TECHNO SCHOOL, JNANAJYOTHINAGAR, JNANA BHARATHI, BENGALURU - 560 056 BENGALURU NORTH TALUK, BENGALURU URBAN DISTRICT KARNATAKA STATE, 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 Jnana Bharathi branch” — the verified location pin for IFSC KARB0001037 should appear at the top of the results.
2. Confirm the branch is open by calling 80-22955924 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 KARB0001037 and your account number.

Common mistakes to avoid when using IFSC KARB0001037

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 – JNANA BHARATHI, 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: KARB0001037.
• 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.

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 Jnana Bharathi branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KARB0001037, however, work 24x7.

Verifying IFSC KARB0001037 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 KARB0001037 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 80-22955924.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Summary

The IFSC code KARB0001037 belongs to Karnataka Bank Limited's JNANA BHARATHI branch, located at NO. 353/346/4/42/89, GROUND FLOOR, 4TH MAIN ROAD, NEAR CHAITHANYA TECHNO… 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.