This page lists the IFSC code, branch address, contact number and fund-transfer information for Karnataka Bank Limited, BILGI branch in BILGI. The 11-digit IFSC KARB0000965 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Karnataka Bank Limited at the BILGI location, this is the only IFSC you need.
We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this 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 – BILGI is KARB0000965. The first four letters KARB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000965 map to this branch in BILGI, KARNATAKA.
About Karnataka Bank Limited
Karnataka Bank Limited operates a wide network of branches across India, including the Bilgi branch in Bilgi. 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, KARB0000965.
Branch details at a glance
| Bank Name | Karnataka Bank Limited |
|---|---|
| Branch | Bilgi |
| IFSC Code | KARB0000965 |
| MICR Code | Refer to cheque leaf |
| Branch Address | TPC.NO.1030B/19, BAGALKOT-JAMKHANDI MAIN ROAD,BILGI |
| City | Bilgi |
| District | Bagalkot |
| State | Karnataka |
About the Bilgi branch
The Bilgi branch of Karnataka Bank Limited is situated at TPC.NO.1030B/19, BAGALKOT-JAMKHANDI MAIN ROAD,BILGI. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code KARB0000965 is used.
The role of IFSC in India's payments network
India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how Karnataka Bank Limited's BILGI branch came to be assigned the code KARB0000965.
Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC KARB0000965, money simply cannot be routed to the BILGI branch electronically.
Products and account variants supported
Every account opened at the Bilgi branch is mapped to IFSC KARB0000965 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 KARB0000965.
Products and services
Customers walking into the Bilgi 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 KARB0000965
How to transfer money using IFSC KARB0000965
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 KARB0000965 across all three.
NEFT to Karnataka Bank Limited, BILGI using IFSC KARB0000965
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 KARB0000965, and confirm that the system picks up Karnataka Bank Limited – BILGI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to BILGI
If you need to transfer ₹2 lakh or more in one go to an account at Karnataka Bank Limited's BILGI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KARB0000965 while initiating the transfer and the credit will appear within minutes.
Send money instantly through IMPS
For a real-time, anytime transfer to Karnataka Bank Limited – BILGI, use IMPS. With IFSC KARB0000965 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 KARB0000965 for Karnataka Bank Limited – BILGI, 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – KARB0000965 | Yes – KARB0000965 | Yes – KARB0000965 |
For most retail customers crediting the Bilgi 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 KARB0000965
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 – BILGI is still mapped to IFSC KARB0000965. 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 KARB0000965 and the beneficiary's account number to complete the transfer.
Online banking and IFSC KARB0000965
Karnataka Bank Limited customers can register for net banking and the bank's official mobile app once their account at the BILGI 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 KARB0000965 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.
MICR & cheque-truncation details
Cheques drawn on the Bilgi branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC KARB0000965 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
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 – BILGI:
- The IFSC is exactly KARB0000965 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 BILGI 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 Bilgi branch sits at TPC.NO.1030B/19, BAGALKOT-JAMKHANDI MAIN ROAD,BILGI. If you are travelling from outside Bilgi, 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 KARB0000965 and your account number.
Verifying IFSC KARB0000965 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 KARB0000965 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.
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 Bilgi branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KARB0000965, however, work 24x7.
Branch address & contact
Karnataka Bank LimitedBilgi Branch
TPC.NO.1030B/19, BAGALKOT-JAMKHANDI MAIN ROAD,BILGI
Bilgi, Karnataka
Phone: the branch contact number
IFSC: KARB0000965
Frequently asked questions
What is the phone number of Karnataka Bank Limited Bilgi branch?
You can reach the branch at the branch contact number during regular banking hours.
What is the IFSC code of Karnataka Bank Limited Bilgi branch?
The IFSC code of Karnataka Bank Limited, Bilgi branch is KARB0000965. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Does Karnataka Bank Limited Bilgi branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on the branch contact number to confirm.
How do I add Karnataka Bank Limited Bilgi as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC KARB0000965, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using KARB0000965 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Karnataka Bank Limited – Bilgi reflect within 30 minutes.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Bilgi branch but serve different purposes.
Is IFSC KARB0000965 the same for all accounts at Bilgi branch?
Yes. The IFSC KARB0000965 is shared by every account held at Karnataka Bank Limited's Bilgi branch. Only the account number changes from customer to customer.
Can I use IFSC KARB0000965 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC KARB0000965 to send funds instantly.
Summary
The IFSC code KARB0000965 belongs to Karnataka Bank Limited's BILGI branch, located at TPC.NO.1030B/19, BAGALKOT-JAMKHANDI MAIN ROAD,BILGI in BILGI, 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.
