IFSC Code of Karnataka Bank Limited, Ghaziabad Branch, Uttar Pradesh

This page lists the IFSC code, branch address, contact number and fund-transfer information for Karnataka Bank Limited, GHAZIABAD branch in GHAZIABAD. The 11-digit IFSC KARB0000266 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 GHAZIABAD 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.

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 GHAZIABAD branch, the IFSC KARB0000266 breaks down as follows: KARB identifies the bank, 0 is the reserved character, and 000266 identifies this particular branch.

About Karnataka Bank Limited

Karnataka Bank Limited operates a wide network of branches across India, including the Ghaziabad branch in Ghaziabad. 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, KARB0000266.

Ghaziabad branch overview

Located at GROUND FLOOR GAUR GRAVITY MALL 8,VAIBHAVKHAND INDIRAPURAM GHAZIABAD, PIN - 201014, the Ghaziabad branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC KARB0000266 is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

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 GHAZIABAD branch came to be assigned the code KARB0000266.

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 KARB0000266, money simply cannot be routed to the GHAZIABAD branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Ghaziabad branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC KARB0000266 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC KARB0000266

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 KARB0000266 across all three.

How to use IFSC KARB0000266 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Karnataka Bank Limited's GHAZIABAD 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 KARB0000266.
4. Confirm the bank name auto-populates as Karnataka Bank Limited and the branch as GHAZIABAD.
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 GHAZIABAD

If you need to transfer ₹2 lakh or more in one go to an account at Karnataka Bank Limited's GHAZIABAD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KARB0000266 while initiating the transfer and the credit will appear within minutes.

IMPS to Karnataka Bank Limited GHAZIABAD (IFSC KARB0000266)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KARB0000266 in your mobile or internet banking app, and the money is credited to the GHAZIABAD branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Ghaziabad

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 KARB0000266:

• 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 GHAZIABAD is still linked to IFSC KARB0000266.

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 GHAZIABAD branch, the IFSC KARB0000266 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.

Account types you can open at the Ghaziabad branch

Once you have an account at Karnataka Bank Limited – GHAZIABAD, the IFSC KARB0000266 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.

Products and services

Customers walking into the Ghaziabad 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 KARB0000266

Online banking and IFSC KARB0000266

Karnataka Bank Limited customers can register for net banking and the bank's official mobile app once their account at the GHAZIABAD 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 KARB0000266 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.

How to reach the Ghaziabad branch

The branch is located at GROUND FLOOR GAUR GRAVITY MALL 8,VAIBHAVKHAND INDIRAPURAM GHAZIABAD, PIN - 201014, which puts it inside Ghaziabad, the broader Ghaziabad district, and the state of Uttar Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “Karnataka Bank Limited Ghaziabad branch” — the verified location pin for IFSC KARB0000266 should appear at the top of the results.
2. Confirm the branch is open by calling 120-2605484 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 KARB0000266 and your account number.

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 – GHAZIABAD:

• The IFSC is exactly KARB0000266 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 GHAZIABAD 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.

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 Ghaziabad branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KARB0000266, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC KARB0000266 for Karnataka Bank Limited – GHAZIABAD, 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: KARB0000266 is the IFSC code of Karnataka Bank Limited, GHAZIABAD branch, in GHAZIABAD, UTTAR 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.