Use this page as a one-stop reference for everything related to Karnataka Bank Limited's NAVANAGAR HUBLI branch in HUBLI, KARNATAKA. The branch's IFSC code KARB0000328 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 NAVANAGAR HUBLI branch, the IFSC KARB0000328 breaks down as follows: KARB identifies the bank, 0 is the reserved character, and 000328 identifies this particular branch.
About Karnataka Bank Limited
Karnataka Bank Limited operates a wide network of branches across India, including the Navanagar Hubli branch in Hubli. 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, KARB0000328.
About this branch
The branch is located at RESEARCH INSTITUTE CAMPUS,KCT& RI MAIN ROAD,NAVANAGAR,HUBLI, PIN - 580025. It serves the Hubli 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 KARB0000328 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | Karnataka Bank Limited |
|---|---|
| Branch | Navanagar Hubli |
| IFSC Code | KARB0000328 |
| MICR Code | Refer to cheque leaf |
| Branch Address | RESEARCH INSTITUTE CAMPUS,KCT& RI MAIN ROAD,NAVANAGAR,HUBLI, PIN - 580025 |
| City | Hubli |
| District | Hubli |
| State | Karnataka |
| STD Code | 836 |
| Phone | 2216056 |
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 NAVANAGAR HUBLI of Karnataka Bank Limited — its own 11-character IFSC. The code KARB0000328 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 KARB0000328 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 KARB0000328 and the account number together uniquely identify the Navanagar Hubli branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC KARB0000328
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 KARB0000328 across all three.
NEFT to Karnataka Bank Limited, NAVANAGAR HUBLI using IFSC KARB0000328
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 KARB0000328, and confirm that the system picks up Karnataka Bank Limited – NAVANAGAR HUBLI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to NAVANAGAR HUBLI
If you need to transfer ₹2 lakh or more in one go to an account at Karnataka Bank Limited's NAVANAGAR HUBLI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KARB0000328 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 – NAVANAGAR HUBLI, use IMPS. With IFSC KARB0000328 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 Navanagar Hubli
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 KARB0000328:
- 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 NAVANAGAR HUBLI is still linked to IFSC KARB0000328.
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.
UPI payments and IFSC KARB0000328
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 – NAVANAGAR HUBLI is still mapped to IFSC KARB0000328. 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 KARB0000328 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Navanagar Hubli branch is mapped to IFSC KARB0000328 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 KARB0000328.
Products and services
Customers walking into the Navanagar Hubli 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 KARB0000328
Online banking and IFSC KARB0000328
Karnataka Bank Limited customers can register for net banking and the bank's official mobile app once their account at the NAVANAGAR HUBLI 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 KARB0000328 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.
Reaching the branch
The Navanagar Hubli branch sits at RESEARCH INSTITUTE CAMPUS,KCT& RI MAIN ROAD,NAVANAGAR,HUBLI, PIN - 580025. If you are travelling from outside Hubli, search for the branch on a maps application using the bank name and locality, or call 836-2216056 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 KARB0000328 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 – NAVANAGAR HUBLI:
- The IFSC is exactly KARB0000328 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 NAVANAGAR HUBLI 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 Navanagar Hubli branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KARB0000328, however, work 24x7.
Verifying IFSC KARB0000328 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 KARB0000328 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 836-2216056.
- Visiting the bank's official branch locator page.
Branch address & contact
Karnataka Bank LimitedNavanagar Hubli Branch
RESEARCH INSTITUTE CAMPUS,KCT& RI MAIN ROAD,NAVANAGAR,HUBLI, PIN - 580025
Hubli, Karnataka
Phone: 836-2216056
IFSC: KARB0000328
Frequently asked questions
Where is Karnataka Bank Limited Navanagar Hubli branch located?
Karnataka Bank Limited's Navanagar Hubli branch is located at RESEARCH INSTITUTE CAMPUS,KCT& RI MAIN ROAD,NAVANAGAR,HUBLI, PIN - 580025, Hubli, Karnataka.
How quickly will an NEFT transfer using KARB0000328 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Karnataka Bank Limited – Navanagar Hubli reflect within 30 minutes.
How do I add Karnataka Bank Limited Navanagar Hubli as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC KARB0000328, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC KARB0000328 valid for NEFT and RTGS?
Yes. IFSC KARB0000328 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Can I use IFSC KARB0000328 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC KARB0000328 to send funds instantly.
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 Navanagar Hubli branch but serve different purposes.
Is IFSC KARB0000328 the same for all accounts at Navanagar Hubli branch?
Yes. The IFSC KARB0000328 is shared by every account held at Karnataka Bank Limited's Navanagar Hubli branch. Only the account number changes from customer to customer.
What is the phone number of Karnataka Bank Limited Navanagar Hubli branch?
You can reach the branch at 836-2216056 during regular banking hours.
Final notes
To recap: KARB0000328 is the IFSC code of Karnataka Bank Limited, NAVANAGAR HUBLI branch, in HUBLI, KARNATAKA. 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.
