Use this page as a one-stop reference for everything related to Karnataka Bank Limited's KOTTUR branch in KOTTURU, KARNATAKA. The branch's IFSC code KARB0000396 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 – KOTTUR is KARB0000396. The first four letters KARB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000396 map to this branch in KOTTURU, KARNATAKA.
About Karnataka Bank Limited
Karnataka Bank Limited operates a wide network of branches across India, including the Kottur branch in Kotturu. 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, KARB0000396.
Branch details at a glance
| Bank Name | Karnataka Bank Limited |
|---|---|
| Branch | Kottur |
| IFSC Code | KARB0000396 |
| MICR Code | Refer to cheque leaf |
| Branch Address | GROUND FLOOR D NO 1714 1715 HARAPANAHALLI KUDLIGI ROAD KOTTUR 583134 KUDLIGI TALUK |
| City | Kotturu |
| District | Bellary |
| State | Karnataka |
| STD Code | 91 |
| Phone | 9448954592 |
About the Kottur branch
The Kottur branch of Karnataka Bank Limited is situated at GROUND FLOOR D NO 1714 1715 HARAPANAHALLI KUDLIGI ROAD KOTTUR 583134 KUDLIGI 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 KARB0000396 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 KOTTUR branch came to be assigned the code KARB0000396.
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 KARB0000396, money simply cannot be routed to the KOTTUR branch electronically.
Account types you can open at the Kottur branch
Once you have an account at Karnataka Bank Limited – KOTTUR, the IFSC KARB0000396 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 Kottur 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 KARB0000396
How to transfer money using IFSC KARB0000396
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 KARB0000396 across all three.
How to use IFSC KARB0000396 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Karnataka Bank Limited's KOTTUR 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 KARB0000396.
- Confirm the bank name auto-populates as Karnataka Bank Limited and the branch as KOTTUR.
- 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 KOTTUR
If you need to transfer ₹2 lakh or more in one go to an account at Karnataka Bank Limited's KOTTUR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KARB0000396 while initiating the transfer and the credit will appear within minutes.
Send money instantly through IMPS
For a real-time, anytime transfer to Karnataka Bank Limited – KOTTUR, use IMPS. With IFSC KARB0000396 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 KARB0000396 for Karnataka Bank Limited – KOTTUR, 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 – KARB0000396 | Yes – KARB0000396 | Yes – KARB0000396 |
For most retail customers crediting the Kottur 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 KARB0000396
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 – KOTTUR is still mapped to IFSC KARB0000396. 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 KARB0000396 and the beneficiary's account number to complete the transfer.
Digital banking channels
Most day-to-day work that customers used to do at the Kottur 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 KARB0000396 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.
MICR & cheque-truncation details
Cheques drawn on the Kottur branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC KARB0000396 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 KARB0000396
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 – KOTTUR, 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:
KARB0000396. - 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 Kottur branch sits at GROUND FLOOR D NO 1714 1715 HARAPANAHALLI KUDLIGI ROAD KOTTUR 583134 KUDLIGI TALUK. If you are travelling from outside Kotturu, search for the branch on a maps application using the bank name and locality, or call 91-9448954592 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 KARB0000396 and your account number.
Verifying IFSC KARB0000396 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 KARB0000396 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-9448954592.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Kottur 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 KARB0000396 continue to work without interruption.
Branch address & contact
Karnataka Bank LimitedKottur Branch
GROUND FLOOR D NO 1714 1715 HARAPANAHALLI KUDLIGI ROAD KOTTUR 583134 KUDLIGI TALUK
Kotturu, Karnataka
Phone: 91-9448954592
IFSC: KARB0000396
Frequently asked questions
Is IFSC KARB0000396 the same for all accounts at Kottur branch?
Yes. The IFSC KARB0000396 is shared by every account held at Karnataka Bank Limited's Kottur branch. Only the account number changes from customer to customer.
What is the phone number of Karnataka Bank Limited Kottur branch?
You can reach the branch at 91-9448954592 during regular banking hours.
Can I use IFSC KARB0000396 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC KARB0000396 to send funds instantly.
Where is Karnataka Bank Limited Kottur branch located?
Karnataka Bank Limited's Kottur branch is located at GROUND FLOOR D NO 1714 1715 HARAPANAHALLI KUDLIGI ROAD KOTTUR 583134 KUDLIGI TALUK, Kotturu, Karnataka.
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 Kottur branch but serve different purposes.
Does Karnataka Bank Limited Kottur branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-9448954592 to confirm.
How do I add Karnataka Bank Limited Kottur as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC KARB0000396, and complete OTP verification. Once activated, you can transfer funds at any time.
Final notes
To recap: KARB0000396 is the IFSC code of Karnataka Bank Limited, KOTTUR branch, in KOTTURU, 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.
