IFSC Code of Karnataka Bank Limited, Navimum Baibelapur Branch, Maharashtra

If you are searching for the IFSC code of Karnataka Bank Limited, NAVIMUM BAIBELAPUR branch in MUMBAI, MAHARASHTRA, this page has every detail you need. The verified IFSC code for this branch is KARB0000522. 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 NAVIMUM BAIBELAPUR branch, and detailed step-by-step guides for using the IFSC KARB0000522 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.

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 – NAVIMUM BAIBELAPUR is KARB0000522. The first four letters KARB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000522 map to this branch in MUMBAI, MAHARASHTRA.

Bank profile

Karnataka Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Navimum Baibelapur branch — IFSC KARB0000522 — extends the bank's services to customers in and around Mumbai, Maharashtra.

Branch details at a glance

Navimum Baibelapur branch overview

Located at SHOP NO.20,21 & 22,SHIVADARSHAN BUILDING,PLOT NO.1,SECTOR 15,PALM BEACH ROAD,CBD BELAPUR,NAVI MUMBAI, PIN - 400614, the Navimum Baibelapur branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC KARB0000522 is required for all interbank electronic transfers routed through this branch.

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 NAVIMUM BAIBELAPUR branch came to be assigned the code KARB0000522.

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 KARB0000522, money simply cannot be routed to the NAVIMUM BAIBELAPUR branch electronically.

Products and account variants supported

Every account opened at the Navimum Baibelapur branch is mapped to IFSC KARB0000522 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 KARB0000522.

Products and services

Customers walking into the Navimum Baibelapur 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 KARB0000522

How to transfer money using IFSC KARB0000522

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 KARB0000522 across all three.

How to use IFSC KARB0000522 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Karnataka Bank Limited's NAVIMUM BAIBELAPUR 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).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC KARB0000522.
4. Confirm the bank name auto-populates as Karnataka Bank Limited and the branch as NAVIMUM BAIBELAPUR.
5. 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 NAVIMUM BAIBELAPUR

If you need to transfer ₹2 lakh or more in one go to an account at Karnataka Bank Limited's NAVIMUM BAIBELAPUR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KARB0000522 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 – NAVIMUM BAIBELAPUR, use IMPS. With IFSC KARB0000522 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 Navimum Baibelapur

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 KARB0000522:

• 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 NAVIMUM BAIBELAPUR is still linked to IFSC KARB0000522.

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 NAVIMUM BAIBELAPUR branch, the IFSC KARB0000522 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.

Online banking and IFSC KARB0000522

Karnataka Bank Limited customers can register for net banking and the bank's official mobile app once their account at the NAVIMUM BAIBELAPUR 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 KARB0000522 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 KARB0000522 and the account number together uniquely identify the Navimum Baibelapur 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 – NAVIMUM BAIBELAPUR:

• The IFSC is exactly KARB0000522 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 NAVIMUM BAIBELAPUR 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.

How to reach the Navimum Baibelapur branch

The branch is located at SHOP NO.20,21 & 22,SHIVADARSHAN BUILDING,PLOT NO.1,SECTOR 15,PALM BEACH ROAD,CBD BELAPUR,NAVI MUMBAI, PIN - 400614, which puts it inside Mumbai, the broader Mumbai district, and the state of Maharashtra. To plan your visit:

1. Open Google Maps on your phone and search for “Karnataka Bank Limited Navimum Baibelapur branch” — the verified location pin for IFSC KARB0000522 should appear at the top of the results.
2. Confirm the branch is open by calling 22-27580888 before stepping out, especially around public holidays.
3. 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 KARB0000522 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC KARB0000522 for Karnataka Bank Limited – NAVIMUM BAIBELAPUR, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

Working hours

Branch counters at Navimum Baibelapur 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 KARB0000522 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code KARB0000522 belongs to Karnataka Bank Limited's NAVIMUM BAIBELAPUR branch, located at SHOP NO.20,21 & 22,SHIVADARSHAN BUILDING,PLOT NO.1,SECTOR 15,PALM BEACH… in MUMBAI, MAHARASHTRA. 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.