This page lists the IFSC code, branch address, contact number and fund-transfer information for Karnataka Bank Limited, GULBARGA branch in GULBARGA. The 11-digit IFSC KARB0000254 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 GULBARGA 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.
The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.
The IFSC for Karnataka Bank Limited – GULBARGA is KARB0000254. The first four letters KARB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000254 map to this branch in GULBARGA, KARNATAKA.
Bank profile
Karnataka Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Gulbarga branch — IFSC KARB0000254 — extends the bank's services to customers in and around Gulbarga, Karnataka.
About this branch
The branch is located at NO.30,IST FLOOR,BHIMALLI BUILDING,SUPER MARKET,GULBARGA, 585101. It serves the Gulbarga 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 KARB0000254 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | Karnataka Bank Limited |
|---|---|
| Branch | Gulbarga |
| IFSC Code | KARB0000254 |
| MICR Code | Refer to cheque leaf |
| Branch Address | NO.30,IST FLOOR,BHIMALLI BUILDING,SUPER MARKET,GULBARGA, 585101 |
| City | Gulbarga |
| District | Gulbarga |
| State | Karnataka |
| STD Code | 8472 |
| Phone | 269354 |
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 GULBARGA of Karnataka Bank Limited — its own 11-character IFSC. The code KARB0000254 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 KARB0000254 the same way you would treat your account number — verify it once and save it carefully for future use.
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 KARB0000254 and the account number together uniquely identify the Gulbarga branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC KARB0000254
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 KARB0000254 across all three.
How to use IFSC KARB0000254 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Karnataka Bank Limited's GULBARGA 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 KARB0000254.
- Confirm the bank name auto-populates as Karnataka Bank Limited and the branch as GULBARGA.
- 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 GULBARGA
If you need to transfer ₹2 lakh or more in one go to an account at Karnataka Bank Limited's GULBARGA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KARB0000254 while initiating the transfer and the credit will appear within minutes.
IMPS to Karnataka Bank Limited GULBARGA (IFSC KARB0000254)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KARB0000254 in your mobile or internet banking app, and the money is credited to the GULBARGA branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC KARB0000254 for Karnataka Bank Limited – GULBARGA, 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 – KARB0000254 | Yes – KARB0000254 | Yes – KARB0000254 |
For most retail customers crediting the Gulbarga 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 GULBARGA branch, the IFSC KARB0000254 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.
Products and account variants supported
Every account opened at the Gulbarga branch is mapped to IFSC KARB0000254 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 KARB0000254.
Products and services
Customers walking into the Gulbarga 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 KARB0000254
Digital banking channels
Most day-to-day work that customers used to do at the Gulbarga 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 KARB0000254 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.
Reaching the branch
The Gulbarga branch sits at NO.30,IST FLOOR,BHIMALLI BUILDING,SUPER MARKET,GULBARGA, 585101. If you are travelling from outside Gulbarga, search for the branch on a maps application using the bank name and locality, or call 8472-269354 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 KARB0000254 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 – GULBARGA:
- The IFSC is exactly KARB0000254 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 GULBARGA 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 Gulbarga branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KARB0000254, however, work 24x7.
Verifying IFSC KARB0000254 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 KARB0000254 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 8472-269354.
- Visiting the bank's official branch locator page.
Branch address & contact
Karnataka Bank LimitedGulbarga Branch
NO.30,IST FLOOR,BHIMALLI BUILDING,SUPER MARKET,GULBARGA, 585101
Gulbarga, Karnataka
Phone: 8472-269354
IFSC: KARB0000254
Frequently asked questions
Does Karnataka Bank Limited Gulbarga branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 8472-269354 to confirm.
Can I use IFSC KARB0000254 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC KARB0000254 to send funds instantly.
How do I add Karnataka Bank Limited Gulbarga as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC KARB0000254, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Gulbarga branch but serve different purposes.
Is IFSC KARB0000254 valid for NEFT and RTGS?
Yes. IFSC KARB0000254 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Is IFSC KARB0000254 the same for all accounts at Gulbarga branch?
Yes. The IFSC KARB0000254 is shared by every account held at Karnataka Bank Limited's Gulbarga branch. Only the account number changes from customer to customer.
Where is Karnataka Bank Limited Gulbarga branch located?
Karnataka Bank Limited's Gulbarga branch is located at NO.30,IST FLOOR,BHIMALLI BUILDING,SUPER MARKET,GULBARGA, 585101, Gulbarga, Karnataka.
Summary
The IFSC code KARB0000254 belongs to Karnataka Bank Limited's GULBARGA branch, located at NO.30,IST FLOOR,BHIMALLI BUILDING,SUPER MARKET,GULBARGA, 585101 in GULBARGA, 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.
