Below are the complete branch details for Karnataka Bank Limited, KOLLEGALA branch, located in KOLLEGALA, KARNATAKA. The IFSC assigned by the Reserve Bank of India to this branch is KARB0000395. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.
The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case KARB0000395 for Karnataka Bank Limited – KOLLEGALA — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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 KOLLEGALA branch, the IFSC KARB0000395 breaks down as follows: KARB identifies the bank, 0 is the reserved character, and 000395 identifies this particular branch.
Branch details at a glance
| Bank Name | Karnataka Bank Limited |
|---|---|
| Branch | Kollegala |
| IFSC Code | KARB0000395 |
| MICR Code | Refer to cheque leaf |
| Branch Address | D.NO.7-454, DR.RAJKUMAR ROAD,SOUTHERN EXTENSION, KOLLEGALA - 571440, KOLLEGALA TALUK |
| City | Kollegala |
| District | Chamarajanagar |
| State | Karnataka |
| STD Code | 8224 |
| Phone | 9480895380 |
About Karnataka Bank Limited
Karnataka Bank Limited operates a wide network of branches across India, including the Kollegala branch in Kollegala. 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, KARB0000395.
About the Kollegala branch
The Kollegala branch of Karnataka Bank Limited is situated at D.NO.7-454, DR.RAJKUMAR ROAD,SOUTHERN EXTENSION, KOLLEGALA - 571440, KOLLEGALA TALUK. 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 KARB0000395 is used.
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 KOLLEGALA branch came to be assigned the code KARB0000395.
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 KARB0000395, money simply cannot be routed to the KOLLEGALA branch electronically.
How to transfer money using IFSC KARB0000395
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 KARB0000395 across all three.
NEFT to Karnataka Bank Limited, KOLLEGALA using IFSC KARB0000395
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 KARB0000395, and confirm that the system picks up Karnataka Bank Limited – KOLLEGALA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC KARB0000395
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 – KOLLEGALA, ensure your bank's portal accepts IFSC KARB0000395 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Karnataka Bank Limited KOLLEGALA (IFSC KARB0000395)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KARB0000395 in your mobile or internet banking app, and the money is credited to the KOLLEGALA branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC KARB0000395 for Karnataka Bank Limited – KOLLEGALA, 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 – KARB0000395 | Yes – KARB0000395 | Yes – KARB0000395 |
For most retail customers crediting the Kollegala 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 KOLLEGALA branch, the IFSC KARB0000395 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 Kollegala branch is mapped to IFSC KARB0000395 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 KARB0000395.
Products and services
Customers walking into the Kollegala 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 KARB0000395
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 KARB0000395 and the account number together uniquely identify the Kollegala branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC KARB0000395
Karnataka Bank Limited customers can register for net banking and the bank's official mobile app once their account at the KOLLEGALA 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 KARB0000395 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.
Common mistakes to avoid when using IFSC KARB0000395
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 – KOLLEGALA, 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:
KARB0000395. - 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 Kollegala branch
The branch is located at D.NO.7-454, DR.RAJKUMAR ROAD,SOUTHERN EXTENSION, KOLLEGALA - 571440, KOLLEGALA TALUK, which puts it inside Kollegala, the broader Chamarajanagar district, and the state of Karnataka. To plan your visit:
- Open Google Maps on your phone and search for “Karnataka Bank Limited Kollegala branch” — the verified location pin for IFSC KARB0000395 should appear at the top of the results.
- Confirm the branch is open by calling 8224-9480895380 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 KARB0000395 and your account number.
Verifying IFSC KARB0000395 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 KARB0000395 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 8224-9480895380.
- 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 Kollegala branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KARB0000395, however, work 24x7.
Branch address & contact
Karnataka Bank LimitedKollegala Branch
D.NO.7-454, DR.RAJKUMAR ROAD,SOUTHERN EXTENSION, KOLLEGALA - 571440, KOLLEGALA TALUK
Kollegala, Karnataka
Phone: 8224-9480895380
IFSC: KARB0000395
Frequently asked questions
How quickly will an NEFT transfer using KARB0000395 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Karnataka Bank Limited – Kollegala reflect within 30 minutes.
Is IFSC KARB0000395 valid for NEFT and RTGS?
Yes. IFSC KARB0000395 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is Karnataka Bank Limited Kollegala branch located?
Karnataka Bank Limited's Kollegala branch is located at D.NO.7-454, DR.RAJKUMAR ROAD,SOUTHERN EXTENSION, KOLLEGALA - 571440, KOLLEGALA TALUK, Kollegala, Karnataka.
What is the phone number of Karnataka Bank Limited Kollegala branch?
You can reach the branch at 8224-9480895380 during regular banking hours.
Does Karnataka Bank Limited Kollegala branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 8224-9480895380 to confirm.
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 Kollegala branch but serve different purposes.
Is IFSC KARB0000395 the same for all accounts at Kollegala branch?
Yes. The IFSC KARB0000395 is shared by every account held at Karnataka Bank Limited's Kollegala branch. Only the account number changes from customer to customer.
What is the IFSC code of Karnataka Bank Limited Kollegala branch?
The IFSC code of Karnataka Bank Limited, Kollegala branch is KARB0000395. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Final notes
To recap: KARB0000395 is the IFSC code of Karnataka Bank Limited, KOLLEGALA branch, in KOLLEGALA, 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.
