IFSC Code of Karnataka Bank Limited, Besant Nagar Chennai Branch, Tamil Nadu

Use this page as a one-stop reference for everything related to Karnataka Bank Limited's BESANT NAGAR CHENNAI branch in CHENNAI, TAMIL NADU. The branch's IFSC code KARB0000156 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 – BESANT NAGAR CHENNAI is KARB0000156. The first four letters KARB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000156 map to this branch in CHENNAI, TAMIL NADU.

About the bank

Karnataka Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Besant Nagar Chennai branch in Chennai, Tamil Nadu is part of this network and uses the IFSC code KARB0000156 for all electronic settlement.

About this branch

The branch is located at NEW NO40,OLD NO T-32,7TH AVENUE,BESANT NAGAR,CHENNAI, PIN - 600090. It serves the Chennai 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 KARB0000156 is used to identify this branch on the RBI payments network.

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 BESANT NAGAR CHENNAI of Karnataka Bank Limited — its own 11-character IFSC. The code KARB0000156 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 KARB0000156 the same way you would treat your account number — verify it once and save it carefully for future use.

MICR & cheque-truncation details

Cheques drawn on the Besant Nagar Chennai branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC KARB0000156 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC KARB0000156

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 KARB0000156 across all three.

NEFT to Karnataka Bank Limited, BESANT NAGAR CHENNAI using IFSC KARB0000156

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 KARB0000156, and confirm that the system picks up Karnataka Bank Limited – BESANT NAGAR CHENNAI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to BESANT NAGAR CHENNAI

If you need to transfer ₹2 lakh or more in one go to an account at Karnataka Bank Limited's BESANT NAGAR CHENNAI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KARB0000156 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 – BESANT NAGAR CHENNAI, use IMPS. With IFSC KARB0000156 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Besant Nagar Chennai

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 KARB0000156:

• 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 BESANT NAGAR CHENNAI is still linked to IFSC KARB0000156.

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.

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 BESANT NAGAR CHENNAI branch, the IFSC KARB0000156 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 Besant Nagar Chennai branch is mapped to IFSC KARB0000156 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 KARB0000156.

Products and services

Customers walking into the Besant Nagar Chennai 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 KARB0000156

Digital banking channels

Most day-to-day work that customers used to do at the Besant Nagar Chennai 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 KARB0000156 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.

Reaching the branch

The Besant Nagar Chennai branch sits at NEW NO40,OLD NO T-32,7TH AVENUE,BESANT NAGAR,CHENNAI, PIN - 600090. If you are travelling from outside Chennai, search for the branch on a maps application using the bank name and locality, or call 44-24353260 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 KARB0000156 and your account number.

Common mistakes to avoid when using IFSC KARB0000156

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 – BESANT NAGAR CHENNAI, 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: KARB0000156.
• 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.

Working hours

Branch counters at Besant Nagar Chennai 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 KARB0000156 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC KARB0000156 for Karnataka Bank Limited – BESANT NAGAR CHENNAI, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

Branch address & contact

Frequently asked questions

Summary

The IFSC code KARB0000156 belongs to Karnataka Bank Limited's BESANT NAGAR CHENNAI branch, located at NEW NO40,OLD NO T-32,7TH AVENUE,BESANT NAGAR,CHENNAI, PIN - 600090 in CHENNAI, TAMIL NADU. 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.