This page lists the IFSC code, branch address, contact number and fund-transfer information for Karnataka Bank Limited, ELURU branch in ELURU. The 11-digit IFSC KARB0000208 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Karnataka Bank Limited at the ELURU location, this is the only IFSC you need.
We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this 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, KARB0000208 is the IFSC of Karnataka Bank Limited's ELURU branch. The format is fixed: KARB = bank code, 0 = reserved, 000208 = branch identifier.
About Karnataka Bank Limited
Karnataka Bank Limited operates a wide network of branches across India, including the Eluru branch in Eluru. 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, KARB0000208.
Branch details at a glance
| Bank Name | Karnataka Bank Limited |
|---|---|
| Branch | Eluru |
| IFSC Code | KARB0000208 |
| MICR Code | Refer to cheque leaf |
| Branch Address | PEDDADA VARI STREET,RAMACHNADRA RAO PET,ELURU 534 001 |
| City | Eluru |
| District | West Godavari District |
| State | Andhra Pradesh |
| STD Code | 8812 |
| Phone | 234133 |
About this branch
The branch is located at PEDDADA VARI STREET,RAMACHNADRA RAO PET,ELURU 534 001. It serves the Eluru 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 KARB0000208 is used to identify this branch on the RBI payments network.
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 ELURU branch came to be assigned the code KARB0000208.
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 KARB0000208, money simply cannot be routed to the ELURU branch electronically.
Account types you can open at the Eluru branch
Once you have an account at Karnataka Bank Limited – ELURU, the IFSC KARB0000208 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 Eluru branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 8812-234133.
- 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 KARB0000208
How to transfer money using IFSC KARB0000208
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 KARB0000208 across all three.
How to use IFSC KARB0000208 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Karnataka Bank Limited's ELURU 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC KARB0000208.
- Confirm the bank name auto-populates as Karnataka Bank Limited and the branch as ELURU.
- 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 ELURU
If you need to transfer ₹2 lakh or more in one go to an account at Karnataka Bank Limited's ELURU branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KARB0000208 while initiating the transfer and the credit will appear within minutes.
IMPS to Karnataka Bank Limited ELURU (IFSC KARB0000208)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KARB0000208 in your mobile or internet banking app, and the money is credited to the ELURU branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC KARB0000208 for Karnataka Bank Limited – ELURU, 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – KARB0000208 | Yes – KARB0000208 | Yes – KARB0000208 |
For most retail customers crediting the Eluru 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 KARB0000208
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 – ELURU is still mapped to IFSC KARB0000208. 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 KARB0000208 and the beneficiary's account number to complete the transfer.
Online banking and IFSC KARB0000208
Karnataka Bank Limited customers can register for net banking and the bank's official mobile app once their account at the ELURU 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 KARB0000208 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 KARB0000208 and the account number together uniquely identify the Eluru 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 – ELURU:
- The IFSC is exactly KARB0000208 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 ELURU 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 Eluru branch sits at PEDDADA VARI STREET,RAMACHNADRA RAO PET,ELURU 534 001. If you are travelling from outside Eluru, search for the branch on a maps application using the bank name and locality, or call 8812-234133 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 KARB0000208 and your account number.
Verifying IFSC KARB0000208 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 KARB0000208 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 8812-234133.
- Visiting the bank's official branch locator page.
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 Eluru branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KARB0000208, however, work 24x7.
Branch address & contact
Karnataka Bank LimitedEluru Branch
PEDDADA VARI STREET,RAMACHNADRA RAO PET,ELURU 534 001
Eluru, Andhra Pradesh
Phone: 8812-234133
IFSC: KARB0000208
Frequently asked questions
How do I add Karnataka Bank Limited Eluru as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC KARB0000208, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC KARB0000208 the same for all accounts at Eluru branch?
Yes. The IFSC KARB0000208 is shared by every account held at Karnataka Bank Limited's Eluru branch. Only the account number changes from customer to customer.
How quickly will an NEFT transfer using KARB0000208 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Karnataka Bank Limited – Eluru reflect within 30 minutes.
Can I use IFSC KARB0000208 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC KARB0000208 to send funds instantly.
Does Karnataka Bank Limited Eluru branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 8812-234133 to confirm.
Where is Karnataka Bank Limited Eluru branch located?
Karnataka Bank Limited's Eluru branch is located at PEDDADA VARI STREET,RAMACHNADRA RAO PET,ELURU 534 001, Eluru, Andhra Pradesh.
What is the phone number of Karnataka Bank Limited Eluru branch?
You can reach the branch at 8812-234133 during regular banking hours.
What is the IFSC code of Karnataka Bank Limited Eluru branch?
The IFSC code of Karnataka Bank Limited, Eluru branch is KARB0000208. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Final notes
To recap: KARB0000208 is the IFSC code of Karnataka Bank Limited, ELURU branch, in ELURU, ANDHRA PRADESH. 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.
