If you are searching for the IFSC code of Karnataka Bank Limited, KARKALA branch in KARKALA, KARNATAKA, this page has every detail you need. The verified IFSC code for this branch is KARB0000404. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.
You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the KARKALA branch, and detailed step-by-step guides for using the IFSC KARB0000404 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular 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 KARKALA branch, the IFSC KARB0000404 breaks down as follows: KARB identifies the bank, 0 is the reserved character, and 000404 identifies this particular branch.
Bank profile
Karnataka Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Karkala branch — IFSC KARB0000404 — extends the bank's services to customers in and around Karkala, Karnataka.
Branch details at a glance
| Bank Name | Karnataka Bank Limited |
|---|---|
| Branch | Karkala |
| IFSC Code | KARB0000404 |
| MICR Code | Refer to cheque leaf |
| Branch Address | IST FLOOR,NEAR UDUPI BUS STAND,KARLA COMPLEX,KARKALA, PIN - 574104 |
| City | Karkala |
| District | Udupi |
| State | Karnataka |
| STD Code | 8258 |
| Phone | 230224 |
About the Karkala branch
The Karkala branch of Karnataka Bank Limited is situated at IST FLOOR,NEAR UDUPI BUS STAND,KARLA COMPLEX,KARKALA, PIN - 574104. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code KARB0000404 is used.
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 KARKALA of Karnataka Bank Limited — its own 11-character IFSC. The code KARB0000404 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 KARB0000404 the same way you would treat your account number — verify it once and save it carefully for future use.
Account types you can open at the Karkala branch
Once you have an account at Karnataka Bank Limited – KARKALA, the IFSC KARB0000404 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.
Banking services available
The Karkala branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 8258-230224.
- Savings, current and salary accounts
- Fixed deposits and recurring deposits
- Personal, vehicle and home loans
- Demat and investment products (where supported)
- Internet banking and mobile banking enrolment
- Debit and credit card issuance
- Locker facilities (subject to availability)
- Foreign exchange services (at authorised branches)
- Bill payments, demand drafts and pay orders
- NEFT / RTGS / IMPS / UPI fund transfers using IFSC KARB0000404
How to transfer money using IFSC KARB0000404
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 KARB0000404 across all three.
How to use IFSC KARB0000404 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Karnataka Bank Limited's KARKALA 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 KARB0000404.
- Confirm the bank name auto-populates as Karnataka Bank Limited and the branch as KARKALA.
- 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 KARKALA
If you need to transfer ₹2 lakh or more in one go to an account at Karnataka Bank Limited's KARKALA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KARB0000404 while initiating the transfer and the credit will appear within minutes.
IMPS to Karnataka Bank Limited KARKALA (IFSC KARB0000404)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KARB0000404 in your mobile or internet banking app, and the money is credited to the KARKALA branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Karkala
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 KARB0000404:
- 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 KARKALA is still linked to IFSC KARB0000404.
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 KARB0000404
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 – KARKALA is still mapped to IFSC KARB0000404. 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 KARB0000404 and the beneficiary's account number to complete the transfer.
Online banking and IFSC KARB0000404
Karnataka Bank Limited customers can register for net banking and the bank's official mobile app once their account at the KARKALA 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 KARB0000404 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 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 KARB0000404 and the account number together uniquely identify the Karkala branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Common mistakes to avoid when using IFSC KARB0000404
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 – KARKALA, 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:
KARB0000404. - 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.
How to reach the Karkala branch
The branch is located at IST FLOOR,NEAR UDUPI BUS STAND,KARLA COMPLEX,KARKALA, PIN - 574104, which puts it inside Karkala, the broader Udupi district, and the state of Karnataka. To plan your visit:
- Open Google Maps on your phone and search for “Karnataka Bank Limited Karkala branch” — the verified location pin for IFSC KARB0000404 should appear at the top of the results.
- Confirm the branch is open by calling 8258-230224 before stepping out, especially around public holidays.
- 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 KARB0000404 and your account number.
Verifying IFSC KARB0000404 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 KARB0000404 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 8258-230224.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Karkala 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 KARB0000404 continue to work without interruption.
Branch address & contact
Karnataka Bank LimitedKarkala Branch
IST FLOOR,NEAR UDUPI BUS STAND,KARLA COMPLEX,KARKALA, PIN - 574104
Karkala, Karnataka
Phone: 8258-230224
IFSC: KARB0000404
Frequently asked questions
Is IFSC KARB0000404 valid for NEFT and RTGS?
Yes. IFSC KARB0000404 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the phone number of Karnataka Bank Limited Karkala branch?
You can reach the branch at 8258-230224 during regular banking hours.
How quickly will an NEFT transfer using KARB0000404 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Karnataka Bank Limited – Karkala reflect within 30 minutes.
Does Karnataka Bank Limited Karkala branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 8258-230224 to confirm.
What is the IFSC code of Karnataka Bank Limited Karkala branch?
The IFSC code of Karnataka Bank Limited, Karkala branch is KARB0000404. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC KARB0000404 the same for all accounts at Karkala branch?
Yes. The IFSC KARB0000404 is shared by every account held at Karnataka Bank Limited's Karkala branch. Only the account number changes from customer to customer.
Summary
The IFSC code KARB0000404 belongs to Karnataka Bank Limited's KARKALA branch, located at IST FLOOR,NEAR UDUPI BUS STAND,KARLA COMPLEX,KARKALA, PIN - 574104 in KARKALA, 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.
