IFSC Code of Karnataka Bank Limited, Mount Road Chennai Branch, Tamil Nadu

If you are searching for the IFSC code of Karnataka Bank Limited, MOUNT ROAD CHENNAI branch in CHENNAI, TAMIL NADU, this page has every detail you need. The verified IFSC code for this branch is KARB0000463. 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 MOUNT ROAD CHENNAI branch, and detailed step-by-step guides for using the IFSC KARB0000463 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.

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, KARB0000463 is the IFSC of Karnataka Bank Limited's MOUNT ROAD CHENNAI branch. The format is fixed: KARB = bank code, 0 = reserved, 000463 = branch identifier.

Bank profile

Karnataka Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Mount Road Chennai branch — IFSC KARB0000463 — extends the bank's services to customers in and around Chennai, Tamil Nadu.

About the Mount Road Chennai branch

The Mount Road Chennai branch of Karnataka Bank Limited is situated at 839,FIRST FLOOR,HEERAL MARKET,NEAR ANNA STATUE,MOUNT ROAD,CHENNAI, PIN - 600002. 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 KARB0000463 is used.

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 MOUNT ROAD CHENNAI of Karnataka Bank Limited — its own 11-character IFSC. The code KARB0000463 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 KARB0000463 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 KARB0000463 and the account number together uniquely identify the Mount Road Chennai branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC KARB0000463

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 KARB0000463 across all three.

NEFT to Karnataka Bank Limited, MOUNT ROAD CHENNAI using IFSC KARB0000463

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 KARB0000463, and confirm that the system picks up Karnataka Bank Limited – MOUNT ROAD 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 MOUNT ROAD CHENNAI

If you need to transfer ₹2 lakh or more in one go to an account at Karnataka Bank Limited's MOUNT ROAD CHENNAI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KARB0000463 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 – MOUNT ROAD CHENNAI, use IMPS. With IFSC KARB0000463 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 KARB0000463 for Karnataka Bank Limited – MOUNT ROAD CHENNAI, 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 Mount Road Chennai 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 KARB0000463

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 – MOUNT ROAD CHENNAI is still mapped to IFSC KARB0000463. 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 KARB0000463 and the beneficiary's account number to complete the transfer.

Account types you can open at the Mount Road Chennai branch

Once you have an account at Karnataka Bank Limited – MOUNT ROAD CHENNAI, the IFSC KARB0000463 stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

Banking services available

The Mount Road Chennai branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 44-23453244.

• 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 KARB0000463

Digital banking channels

Most day-to-day work that customers used to do at the Mount Road 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 KARB0000463 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.

How to reach the Mount Road Chennai branch

The branch is located at 839,FIRST FLOOR,HEERAL MARKET,NEAR ANNA STATUE,MOUNT ROAD,CHENNAI, PIN - 600002, which puts it inside Chennai, the broader Chennai district, and the state of Tamil Nadu. To plan your visit:

1. Open Google Maps on your phone and search for “Karnataka Bank Limited Mount Road Chennai branch” — the verified location pin for IFSC KARB0000463 should appear at the top of the results.
2. Confirm the branch is open by calling 44-23453244 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 KARB0000463 and your account number.

Common mistakes to avoid when using IFSC KARB0000463

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 – MOUNT ROAD 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: KARB0000463.
• 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 Mount Road Chennai branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KARB0000463, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC KARB0000463 for Karnataka Bank Limited – MOUNT ROAD 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

Final notes

To recap: KARB0000463 is the IFSC code of Karnataka Bank Limited, MOUNT ROAD CHENNAI branch, in CHENNAI, TAMIL NADU. 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.