IFSC Code of Karnataka Bank Limited, Laxmi Nagar New Delhi Branch, Delhi

Use this page as a one-stop reference for everything related to Karnataka Bank Limited's LAXMI NAGAR NEW DELHI branch in DELHI, DELHI. The branch's IFSC code KARB0000194 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.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For Karnataka Bank Limited's LAXMI NAGAR NEW DELHI branch, the IFSC KARB0000194 breaks down as follows: KARB identifies the bank, 0 is the reserved character, and 000194 identifies this particular branch.

Bank profile

Karnataka Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Laxmi Nagar New Delhi branch — IFSC KARB0000194 — extends the bank's services to customers in and around Delhi, Delhi.

Branch details at a glance

Laxmi Nagar New Delhi branch overview

Located at D.NO.U-75,GROUND FLOOR,KALRA COMPLEX,MOTHER DAIRY ROAD,SHAKARPUR,LAXMINAGAR,DELHI, PIN - 110092, the Laxmi Nagar New Delhi branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC KARB0000194 is required for all interbank electronic transfers routed through this branch.

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 LAXMI NAGAR NEW DELHI of Karnataka Bank Limited — its own 11-character IFSC. The code KARB0000194 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 KARB0000194 the same way you would treat your account number — verify it once and save it carefully for future use.

Account types you can open at the Laxmi Nagar New Delhi branch

Once you have an account at Karnataka Bank Limited – LAXMI NAGAR NEW DELHI, the IFSC KARB0000194 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 Laxmi Nagar New Delhi branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 11-28822215.

• 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 KARB0000194

How to transfer money using IFSC KARB0000194

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 KARB0000194 across all three.

How to use IFSC KARB0000194 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Karnataka Bank Limited's LAXMI NAGAR NEW DELHI branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC KARB0000194.
4. Confirm the bank name auto-populates as Karnataka Bank Limited and the branch as LAXMI NAGAR NEW DELHI.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC KARB0000194

RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to Karnataka Bank Limited – LAXMI NAGAR NEW DELHI, ensure your bank's portal accepts IFSC KARB0000194 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Karnataka Bank Limited LAXMI NAGAR NEW DELHI (IFSC KARB0000194)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KARB0000194 in your mobile or internet banking app, and the money is credited to the LAXMI NAGAR NEW DELHI branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Laxmi Nagar New Delhi

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 KARB0000194:

• 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 LAXMI NAGAR NEW DELHI is still linked to IFSC KARB0000194.

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 LAXMI NAGAR NEW DELHI branch, the IFSC KARB0000194 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.

Digital banking channels

Most day-to-day work that customers used to do at the Laxmi Nagar New Delhi 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 KARB0000194 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.

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 KARB0000194 and the account number together uniquely identify the Laxmi Nagar New Delhi branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – LAXMI NAGAR NEW DELHI:

• The IFSC is exactly KARB0000194 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 LAXMI NAGAR NEW DELHI 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 Laxmi Nagar New Delhi branch sits at D.NO.U-75,GROUND FLOOR,KALRA COMPLEX,MOTHER DAIRY ROAD,SHAKARPUR,LAXMINAGAR,DELHI, PIN - 110092. If you are travelling from outside Delhi, search for the branch on a maps application using the bank name and locality, or call 11-28822215 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 KARB0000194 and your account number.

Verifying IFSC KARB0000194 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 KARB0000194 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 11-28822215.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Laxmi Nagar New Delhi 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 KARB0000194 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code KARB0000194 belongs to Karnataka Bank Limited's LAXMI NAGAR NEW DELHI branch, located at D.NO.U-75,GROUND FLOOR,KALRA COMPLEX,MOTHER DAIRY… in DELHI, DELHI. 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.