Use this page as a one-stop reference for everything related to Karnataka Bank Limited's KARKI branch in KARKI, KARNATAKA. The branch's IFSC code KARB0000405 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.
IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.
In our case, KARB0000405 is the IFSC of Karnataka Bank Limited's KARKI branch. The format is fixed: KARB = bank code, 0 = reserved, 000405 = branch identifier.
Branch details at a glance
| Bank Name | Karnataka Bank Limited |
|---|---|
| Branch | Karki |
| IFSC Code | KARB0000405 |
| MICR Code | Refer to cheque leaf |
| Branch Address | D.NO.1228A,IST FLOOR DEVARA AATA COMPLEX,NH17,MAIN ROAD,KARKI, PIN - 581341 |
| City | Karki |
| District | Uttar Kannada |
| State | Karnataka |
| STD Code | 8387 |
| Phone | 236354 |
About the bank
Karnataka Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Karki branch in Karki, Karnataka is part of this network and uses the IFSC code KARB0000405 for all electronic settlement.
About the Karki branch
The Karki branch of Karnataka Bank Limited is situated at D.NO.1228A,IST FLOOR DEVARA AATA COMPLEX,NH17,MAIN ROAD,KARKI, PIN - 581341. 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 KARB0000405 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 KARKI of Karnataka Bank Limited — its own 11-character IFSC. The code KARB0000405 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 KARB0000405 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 KARB0000405
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 KARB0000405 across all three.
NEFT to Karnataka Bank Limited, KARKI using IFSC KARB0000405
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 KARB0000405, and confirm that the system picks up Karnataka Bank Limited – KARKI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC KARB0000405
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 – KARKI, ensure your bank's portal accepts IFSC KARB0000405 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Karnataka Bank Limited KARKI (IFSC KARB0000405)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KARB0000405 in your mobile or internet banking app, and the money is credited to the KARKI branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Karki
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 KARB0000405:
- 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 KARKI is still linked to IFSC KARB0000405.
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.
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 KARKI branch, the IFSC KARB0000405 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 Karki branch is mapped to IFSC KARB0000405 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 KARB0000405.
Banking services available
The Karki branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 8387-236354.
- 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 KARB0000405
MICR & cheque-truncation details
Cheques drawn on the Karki branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC KARB0000405 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Online banking and IFSC KARB0000405
Karnataka Bank Limited customers can register for net banking and the bank's official mobile app once their account at the KARKI 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 KARB0000405 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 – KARKI:
- The IFSC is exactly KARB0000405 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 KARKI 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.
Reaching the branch
The Karki branch sits at D.NO.1228A,IST FLOOR DEVARA AATA COMPLEX,NH17,MAIN ROAD,KARKI, PIN - 581341. If you are travelling from outside Karki, search for the branch on a maps application using the bank name and locality, or call 8387-236354 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 KARB0000405 and your account number.
Verifying IFSC KARB0000405 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 KARB0000405 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 8387-236354.
- 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 Karki branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KARB0000405, however, work 24x7.
Branch address & contact
Karnataka Bank LimitedKarki Branch
D.NO.1228A,IST FLOOR DEVARA AATA COMPLEX,NH17,MAIN ROAD,KARKI, PIN - 581341
Karki, Karnataka
Phone: 8387-236354
IFSC: KARB0000405
Frequently asked questions
Where is Karnataka Bank Limited Karki branch located?
Karnataka Bank Limited's Karki branch is located at D.NO.1228A,IST FLOOR DEVARA AATA COMPLEX,NH17,MAIN ROAD,KARKI, PIN - 581341, Karki, Karnataka.
Does Karnataka Bank Limited Karki branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 8387-236354 to confirm.
How quickly will an NEFT transfer using KARB0000405 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Karnataka Bank Limited – Karki reflect within 30 minutes.
What is the phone number of Karnataka Bank Limited Karki branch?
You can reach the branch at 8387-236354 during regular banking hours.
Is IFSC KARB0000405 valid for NEFT and RTGS?
Yes. IFSC KARB0000405 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
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 Karki branch but serve different purposes.
How do I add Karnataka Bank Limited Karki as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC KARB0000405, and complete OTP verification. Once activated, you can transfer funds at any time.
Summary
The IFSC code KARB0000405 belongs to Karnataka Bank Limited's KARKI branch, located at D.NO.1228A,IST FLOOR DEVARA AATA COMPLEX,NH17,MAIN ROAD,KARKI, PIN - 581341 in KARKI, 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.
