Use this page as a one-stop reference for everything related to Karnataka Bank Limited's KOPPAL branch in KOPPAL, KARNATAKA. The branch's IFSC code KARB0000448 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.
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 – KOPPAL is KARB0000448. The first four letters KARB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000448 map to this branch in KOPPAL, KARNATAKA.
Branch details at a glance
| Bank Name | Karnataka Bank Limited |
|---|---|
| Branch | Koppal |
| IFSC Code | KARB0000448 |
| MICR Code | Refer to cheque leaf |
| Branch Address | NEAR PRAMOD MANDIR KALYAN MANTAP, KINNAI ROAD, KOPPAL - 583231 |
| City | Koppal |
| District | Koppal |
| State | Karnataka |
| STD Code | 8539 |
| Phone | 230448 |
About the bank
Karnataka Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Koppal branch in Koppal, Karnataka is part of this network and uses the IFSC code KARB0000448 for all electronic settlement.
About the Koppal branch
The Koppal branch of Karnataka Bank Limited is situated at NEAR PRAMOD MANDIR KALYAN MANTAP, KINNAI ROAD, KOPPAL - 583231. 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 KARB0000448 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 KOPPAL of Karnataka Bank Limited — its own 11-character IFSC. The code KARB0000448 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 KARB0000448 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 KARB0000448
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 KARB0000448 across all three.
NEFT to Karnataka Bank Limited, KOPPAL using IFSC KARB0000448
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 KARB0000448, and confirm that the system picks up Karnataka Bank Limited – KOPPAL. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC KARB0000448
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 – KOPPAL, ensure your bank's portal accepts IFSC KARB0000448 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Karnataka Bank Limited – KOPPAL, use IMPS. With IFSC KARB0000448 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 KARB0000448 for Karnataka Bank Limited – KOPPAL, 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 – KARB0000448 | Yes – KARB0000448 | Yes – KARB0000448 |
For most retail customers crediting the Koppal 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.
UPI payments and IFSC KARB0000448
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 – KOPPAL is still mapped to IFSC KARB0000448. 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 KARB0000448 and the beneficiary's account number to complete the transfer.
Account types you can open at the Koppal branch
Once you have an account at Karnataka Bank Limited – KOPPAL, the IFSC KARB0000448 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 Koppal branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 8539-230448.
- 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 KARB0000448
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 KARB0000448 and the account number together uniquely identify the Koppal branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Digital banking channels
Most day-to-day work that customers used to do at the Koppal branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC KARB0000448 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.
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 – KOPPAL:
- The IFSC is exactly KARB0000448 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 KOPPAL 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 Koppal branch sits at NEAR PRAMOD MANDIR KALYAN MANTAP, KINNAI ROAD, KOPPAL - 583231. If you are travelling from outside Koppal, search for the branch on a maps application using the bank name and locality, or call 8539-230448 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 KARB0000448 and your account number.
Verifying IFSC KARB0000448 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 KARB0000448 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 8539-230448.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Koppal 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 KARB0000448 continue to work without interruption.
Branch address & contact
Karnataka Bank LimitedKoppal Branch
NEAR PRAMOD MANDIR KALYAN MANTAP, KINNAI ROAD, KOPPAL - 583231
Koppal, Karnataka
Phone: 8539-230448
IFSC: KARB0000448
Frequently asked questions
What is the phone number of Karnataka Bank Limited Koppal branch?
You can reach the branch at 8539-230448 during regular banking hours.
Is IFSC KARB0000448 the same for all accounts at Koppal branch?
Yes. The IFSC KARB0000448 is shared by every account held at Karnataka Bank Limited's Koppal 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 Koppal branch but serve different purposes.
How quickly will an NEFT transfer using KARB0000448 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Karnataka Bank Limited – Koppal reflect within 30 minutes.
Does Karnataka Bank Limited Koppal branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 8539-230448 to confirm.
What is the IFSC code of Karnataka Bank Limited Koppal branch?
The IFSC code of Karnataka Bank Limited, Koppal branch is KARB0000448. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How do I add Karnataka Bank Limited Koppal as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC KARB0000448, and complete OTP verification. Once activated, you can transfer funds at any time.
Can I use IFSC KARB0000448 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC KARB0000448 to send funds instantly.
Summary
The IFSC code KARB0000448 belongs to Karnataka Bank Limited's KOPPAL branch, located at NEAR PRAMOD MANDIR KALYAN MANTAP, KINNAI ROAD, KOPPAL - 583231 in KOPPAL, 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.
