IFSC Code of Karnataka Bank Limited, Chinnikatte Branch, Karnataka

Below are the complete branch details for Karnataka Bank Limited, CHINNIKATTE branch, located in DAVANAGERE, KARNATAKA. The IFSC assigned by the Reserve Bank of India to this branch is KARB0001015. 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 KARB0001015 for Karnataka Bank Limited – CHINNIKATTE — 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, KARB0001015 is the IFSC of Karnataka Bank Limited's CHINNIKATTE branch. The format is fixed: KARB = bank code, 0 = reserved, 001015 = branch identifier.

About Karnataka Bank Limited

Karnataka Bank Limited operates a wide network of branches across India, including the Chinnikatte branch in Davanagere. 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, KARB0001015.

Branch details at a glance

Chinnikatte branch overview

Located at DNO 184/A NEELA SADANA,GROUND FLOOR, SHIKARIPURA MAIN ROAD,CHINNIKATTE VILLAGE & GP - 577225, NYAMATHI TALUKU,DAVANAGERE DISTRICT, KARNATAKA STATE, the Chinnikatte branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC KARB0001015 is required for all interbank electronic transfers routed through this branch.

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 CHINNIKATTE branch came to be assigned the code KARB0001015.

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 KARB0001015, money simply cannot be routed to the CHINNIKATTE branch electronically.

Products and account variants supported

Every account opened at the Chinnikatte branch is mapped to IFSC KARB0001015 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 KARB0001015.

Products and services

Customers walking into the Chinnikatte 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 KARB0001015

How to transfer money using IFSC KARB0001015

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 KARB0001015 across all three.

NEFT to Karnataka Bank Limited, CHINNIKATTE using IFSC KARB0001015

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 KARB0001015, and confirm that the system picks up Karnataka Bank Limited – CHINNIKATTE. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to CHINNIKATTE

If you need to transfer ₹2 lakh or more in one go to an account at Karnataka Bank Limited's CHINNIKATTE branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KARB0001015 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 – CHINNIKATTE, use IMPS. With IFSC KARB0001015 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 KARB0001015 for Karnataka Bank Limited – CHINNIKATTE, 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 Chinnikatte 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 CHINNIKATTE branch, the IFSC KARB0001015 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.

Online banking and IFSC KARB0001015

Karnataka Bank Limited customers can register for net banking and the bank's official mobile app once their account at the CHINNIKATTE 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 KARB0001015 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 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 KARB0001015 and the account number together uniquely identify the Chinnikatte branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Common mistakes to avoid when using IFSC KARB0001015

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 – CHINNIKATTE, 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: KARB0001015.
• 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.

How to reach the Chinnikatte branch

The branch is located at DNO 184/A NEELA SADANA,GROUND FLOOR, SHIKARIPURA MAIN ROAD,CHINNIKATTE VILLAGE & GP - 577225, NYAMATHI TALUKU,DAVANAGERE DISTRICT, KARNATAKA STATE, which puts it inside Davanagere, the broader Davanagere district, and the state of Karnataka. To plan your visit:

1. Open Google Maps on your phone and search for “Karnataka Bank Limited Chinnikatte branch” — the verified location pin for IFSC KARB0001015 should appear at the top of the results.
2. Confirm the branch is open by calling the branch contact number 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 KARB0001015 and your account number.

Verifying IFSC KARB0001015 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 KARB0001015 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 Chinnikatte 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 KARB0001015 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code KARB0001015 belongs to Karnataka Bank Limited's CHINNIKATTE branch, located at DNO 184/A NEELA SADANA,GROUND FLOOR, SHIKARIPURA MAIN ROAD,CHINNIKATTE VILLAGE… in DAVANAGERE, 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.