IFSC Code of Karnataka Bank Limited, Guwahati Branch, Assam

Use this page as a one-stop reference for everything related to Karnataka Bank Limited's GUWAHATI branch in GUWAHATI, ASSAM. The branch's IFSC code KARB0000264 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 GUWAHATI branch, the IFSC KARB0000264 breaks down as follows: KARB identifies the bank, 0 is the reserved character, and 000264 identifies this particular branch.

Branch details at a glance

About Karnataka Bank Limited

Karnataka Bank Limited operates a wide network of branches across India, including the Guwahati branch in Guwahati. 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, KARB0000264.

About this branch

The branch is located at IST FLOOR,GANGA BHAVAN,OPP.S.B.DEORAH COLLEGE,ULUBARI,G.S.ROAD,GUWAHATI, PIN - 781007. It serves the Guwahati 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 KARB0000264 is used to identify this branch on the RBI payments network.

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 GUWAHATI of Karnataka Bank Limited — its own 11-character IFSC. The code KARB0000264 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 KARB0000264 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC KARB0000264

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 KARB0000264 across all three.

NEFT to Karnataka Bank Limited, GUWAHATI using IFSC KARB0000264

National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.

To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC KARB0000264, and confirm that the system picks up Karnataka Bank Limited – GUWAHATI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC KARB0000264

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 – GUWAHATI, ensure your bank's portal accepts IFSC KARB0000264 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Karnataka Bank Limited GUWAHATI (IFSC KARB0000264)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KARB0000264 in your mobile or internet banking app, and the money is credited to the GUWAHATI branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC KARB0000264 for Karnataka Bank Limited – GUWAHATI, 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.

For most retail customers crediting the Guwahati 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 KARB0000264

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 – GUWAHATI is still mapped to IFSC KARB0000264. 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 KARB0000264 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Guwahati branch is mapped to IFSC KARB0000264 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 KARB0000264.

Products and services

Customers walking into the Guwahati 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 KARB0000264

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 KARB0000264 and the account number together uniquely identify the Guwahati branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC KARB0000264

Karnataka Bank Limited customers can register for net banking and the bank's official mobile app once their account at the GUWAHATI 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 KARB0000264 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.

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 – GUWAHATI:

• The IFSC is exactly KARB0000264 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 GUWAHATI 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.

How to reach the Guwahati branch

The branch is located at IST FLOOR,GANGA BHAVAN,OPP.S.B.DEORAH COLLEGE,ULUBARI,G.S.ROAD,GUWAHATI, PIN - 781007, which puts it inside Guwahati, the broader Kamrup district, and the state of Assam. To plan your visit:

1. Open Google Maps on your phone and search for “Karnataka Bank Limited Guwahati branch” — the verified location pin for IFSC KARB0000264 should appear at the top of the results.
2. Confirm the branch is open by calling 361-2465416 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 KARB0000264 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC KARB0000264 for Karnataka Bank Limited – GUWAHATI, 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.

Working hours

Branch counters at Guwahati 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 KARB0000264 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: KARB0000264 is the IFSC code of Karnataka Bank Limited, GUWAHATI branch, in GUWAHATI, ASSAM. 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.