IFSC Code of Karnataka Bank Limited, Balmatta Road Mangalore Branch, Karnataka

If you are searching for the IFSC code of Karnataka Bank Limited, BALMATTA ROAD MANGALORE branch in MANGALORE, KARNATAKA, this page has every detail you need. The verified IFSC code for this branch is KARB0000492. 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 BALMATTA ROAD MANGALORE branch, and detailed step-by-step guides for using the IFSC KARB0000492 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 BALMATTA ROAD MANGALORE branch, the IFSC KARB0000492 breaks down as follows: KARB identifies the bank, 0 is the reserved character, and 000492 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 Balmatta Road Mangalore branch — IFSC KARB0000492 — extends the bank's services to customers in and around Mangalore, Karnataka.

Branch details at a glance

Balmatta Road Mangalore branch overview

Located at FIRST FLOOR,HEMAVATHI BUILDING,BALMATTA ROAD,MANGALORE, PIN - 575001, the Balmatta Road Mangalore branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC KARB0000492 is required for all interbank electronic transfers routed through this branch.

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 BALMATTA ROAD MANGALORE of Karnataka Bank Limited — its own 11-character IFSC. The code KARB0000492 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 KARB0000492 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 Balmatta Road Mangalore branch

Once you have an account at Karnataka Bank Limited – BALMATTA ROAD MANGALORE, the IFSC KARB0000492 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 Balmatta Road Mangalore branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 824-2229831.

• 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 KARB0000492

How to transfer money using IFSC KARB0000492

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 KARB0000492 across all three.

NEFT to Karnataka Bank Limited, BALMATTA ROAD MANGALORE using IFSC KARB0000492

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 KARB0000492, and confirm that the system picks up Karnataka Bank Limited – BALMATTA ROAD MANGALORE. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC KARB0000492

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 – BALMATTA ROAD MANGALORE, ensure your bank's portal accepts IFSC KARB0000492 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Karnataka Bank Limited – BALMATTA ROAD MANGALORE, use IMPS. With IFSC KARB0000492 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Balmatta Road Mangalore

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 KARB0000492:

• 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 BALMATTA ROAD MANGALORE is still linked to IFSC KARB0000492.

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 KARB0000492

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 – BALMATTA ROAD MANGALORE is still mapped to IFSC KARB0000492. 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 KARB0000492 and the beneficiary's account number to complete the transfer.

Online banking and IFSC KARB0000492

Karnataka Bank Limited customers can register for net banking and the bank's official mobile app once their account at the BALMATTA ROAD MANGALORE 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 KARB0000492 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 KARB0000492 and the account number together uniquely identify the Balmatta Road Mangalore branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – BALMATTA ROAD MANGALORE:

• The IFSC is exactly KARB0000492 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 BALMATTA ROAD MANGALORE 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 Balmatta Road Mangalore branch sits at FIRST FLOOR,HEMAVATHI BUILDING,BALMATTA ROAD,MANGALORE, PIN - 575001. If you are travelling from outside Mangalore, search for the branch on a maps application using the bank name and locality, or call 824-2229831 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 KARB0000492 and your account number.

Verifying IFSC KARB0000492 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 KARB0000492 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 824-2229831.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Balmatta Road Mangalore 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 KARB0000492 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: KARB0000492 is the IFSC code of Karnataka Bank Limited, BALMATTA ROAD MANGALORE branch, in MANGALORE, 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.