IFSC Code of Karnataka Bank Limited, Dharwad-Sdmc ,E.C Branch, Karnataka

Below are the complete branch details for Karnataka Bank Limited, DHARWAD-SDMC ,E.C branch, located in DHARWAD, KARNATAKA. The IFSC assigned by the Reserve Bank of India to this branch is KARB0000195. 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 KARB0000195 for Karnataka Bank Limited – DHARWAD-SDMC ,E.C — 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, KARB0000195 is the IFSC of Karnataka Bank Limited's DHARWAD-SDMC ,E.C branch. The format is fixed: KARB = bank code, 0 = reserved, 000195 = branch identifier.

Bank profile

Karnataka Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Dharwad-Sdmc ,E.C branch — IFSC KARB0000195 — extends the bank's services to customers in and around Dharwad, Karnataka.

Branch details at a glance

About the Dharwad-Sdmc ,E.C branch

The Dharwad-Sdmc ,E.C branch of Karnataka Bank Limited is situated at S.D.M.COLLEGE OF ENG & TECHNOLOGY CAMPUS,VIJAYA ROAD,DHARWAD, PIN - 580001.. 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 KARB0000195 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 DHARWAD-SDMC ,E.C branch came to be assigned the code KARB0000195.

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 KARB0000195, money simply cannot be routed to the DHARWAD-SDMC ,E.C branch electronically.

Products and account variants supported

Every account opened at the Dharwad-Sdmc ,E.C branch is mapped to IFSC KARB0000195 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 KARB0000195.

Banking services available

The Dharwad-Sdmc ,E.C branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 836-2216051.

• 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 KARB0000195

How to transfer money using IFSC KARB0000195

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 KARB0000195 across all three.

How to use IFSC KARB0000195 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Karnataka Bank Limited's DHARWAD-SDMC ,E.C 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 KARB0000195.
4. Confirm the bank name auto-populates as Karnataka Bank Limited and the branch as DHARWAD-SDMC ,E.C.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to DHARWAD-SDMC ,E.C

If you need to transfer ₹2 lakh or more in one go to an account at Karnataka Bank Limited's DHARWAD-SDMC ,E.C branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KARB0000195 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 – DHARWAD-SDMC ,E.C, use IMPS. With IFSC KARB0000195 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 Dharwad-Sdmc ,E.C

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 KARB0000195:

• 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 DHARWAD-SDMC ,E.C is still linked to IFSC KARB0000195.

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 DHARWAD-SDMC ,E.C branch, the IFSC KARB0000195 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 Dharwad-Sdmc ,E.C 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 KARB0000195 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 KARB0000195 and the account number together uniquely identify the Dharwad-Sdmc ,E.C 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 KARB0000195

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 – DHARWAD-SDMC ,E.C, 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: KARB0000195.
• 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 Dharwad-Sdmc ,E.C branch

The branch is located at S.D.M.COLLEGE OF ENG & TECHNOLOGY CAMPUS,VIJAYA ROAD,DHARWAD, PIN - 580001., which puts it inside Dharwad, the broader Dharwad district, and the state of Karnataka. To plan your visit:

1. Open Google Maps on your phone and search for “Karnataka Bank Limited Dharwad-Sdmc ,E.C branch” — the verified location pin for IFSC KARB0000195 should appear at the top of the results.
2. Confirm the branch is open by calling 836-2216051 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 KARB0000195 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC KARB0000195 for Karnataka Bank Limited – DHARWAD-SDMC ,E.C, 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 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 Dharwad-Sdmc ,E.C branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KARB0000195, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code KARB0000195 belongs to Karnataka Bank Limited's DHARWAD-SDMC ,E.C branch, located at S.D.M.COLLEGE OF ENG & TECHNOLOGY CAMPUS,VIJAYA ROAD,DHARWAD, PIN - 580001. in DHARWAD, 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.