This page lists the IFSC code, branch address, contact number and fund-transfer information for Karnataka Bank Limited, RO HUBLI branch in HUBLI. The 11-digit IFSC KARB0000400 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 RO HUBLI 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 – RO HUBLI is KARB0000400. The first four letters KARB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000400 map to this branch in HUBLI, KARNATAKA.
About Karnataka Bank Limited
Karnataka Bank Limited operates a wide network of branches across India, including the RO 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, KARB0000400.
Branch details at a glance
| Bank Name | Karnataka Bank Limited |
|---|---|
| Branch | RO Hubli |
| IFSC Code | KARB0000400 |
| MICR Code | Refer to cheque leaf |
| Branch Address | CTS,122/108,2ND FLOOR,NEELIGIN ROAD,NEW COTTON ROAD,HUBLI, PIN - 580029 |
| City | Hubli |
| District | Hubli |
| State | Karnataka |
| STD Code | 836 |
| Phone | 2354946 |
About this branch
The branch is located at CTS,122/108,2ND FLOOR,NEELIGIN ROAD,NEW COTTON ROAD,HUBLI, PIN - 580029. 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 KARB0000400 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 RO HUBLI branch came to be assigned the code KARB0000400.
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 KARB0000400, money simply cannot be routed to the RO HUBLI branch electronically.
Account types you can open at the RO Hubli branch
Once you have an account at Karnataka Bank Limited – RO HUBLI, the IFSC KARB0000400 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 RO 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 KARB0000400
How to transfer money using IFSC KARB0000400
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 KARB0000400 across all three.
NEFT to Karnataka Bank Limited, RO HUBLI using IFSC KARB0000400
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 KARB0000400, and confirm that the system picks up Karnataka Bank Limited – RO HUBLI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC KARB0000400
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 – RO HUBLI, ensure your bank's portal accepts IFSC KARB0000400 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Karnataka Bank Limited – RO HUBLI, use IMPS. With IFSC KARB0000400 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC KARB0000400 for Karnataka Bank Limited – RO HUBLI, 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 – KARB0000400 | Yes – KARB0000400 | Yes – KARB0000400 |
For most retail customers crediting the RO Hubli 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 RO HUBLI branch, the IFSC KARB0000400 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.
Online banking and IFSC KARB0000400
Karnataka Bank Limited customers can register for net banking and the bank's official mobile app once their account at the RO 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 KARB0000400 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 & cheque-truncation details
Cheques drawn on the RO Hubli branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC KARB0000400 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Common mistakes to avoid when using IFSC KARB0000400
An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to Karnataka Bank Limited – RO HUBLI, double-check for these issues:
- Confusing 0 with O. The fifth character of every IFSC is the digit
0, not the letter O. Read carefully. - Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters:
KARB0000400. - Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
- Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
- Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.
Reaching the branch
The RO Hubli branch sits at CTS,122/108,2ND FLOOR,NEELIGIN ROAD,NEW COTTON ROAD,HUBLI, PIN - 580029. If you are travelling from outside Hubli, search for the branch on a maps application using the bank name and locality, or call 836-2354946 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 KARB0000400 and your account number.
Verifying IFSC KARB0000400 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 KARB0000400 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 836-2354946.
- 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 RO Hubli branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KARB0000400, however, work 24x7.
Branch address & contact
Karnataka Bank LimitedRO Hubli Branch
CTS,122/108,2ND FLOOR,NEELIGIN ROAD,NEW COTTON ROAD,HUBLI, PIN - 580029
Hubli, Karnataka
Phone: 836-2354946
IFSC: KARB0000400
Frequently asked questions
Is IFSC KARB0000400 the same for all accounts at RO Hubli branch?
Yes. The IFSC KARB0000400 is shared by every account held at Karnataka Bank Limited's RO Hubli branch. Only the account number changes from customer to customer.
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 RO Hubli branch but serve different purposes.
How quickly will an NEFT transfer using KARB0000400 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Karnataka Bank Limited – RO Hubli reflect within 30 minutes.
Does Karnataka Bank Limited RO Hubli branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 836-2354946 to confirm.
What is the IFSC code of Karnataka Bank Limited RO Hubli branch?
The IFSC code of Karnataka Bank Limited, RO Hubli branch is KARB0000400. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC KARB0000400 valid for NEFT and RTGS?
Yes. IFSC KARB0000400 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How do I add Karnataka Bank Limited RO Hubli as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC KARB0000400, and complete OTP verification. Once activated, you can transfer funds at any time.
Summary
The IFSC code KARB0000400 belongs to Karnataka Bank Limited's RO HUBLI branch, located at CTS,122/108,2ND FLOOR,NEELIGIN ROAD,NEW COTTON ROAD,HUBLI, PIN - 580029 in HUBLI, 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.
