IFSC Code of Karnataka Bank Limited, Navi Mumbai- Karanjade Branch, Maharashtra

Below are the complete branch details for Karnataka Bank Limited, NAVI MUMBAI- KARANJADE branch, located in NAVI MUMBAI- KARANJADE, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is KARB0000638. 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 KARB0000638 for Karnataka Bank Limited – NAVI MUMBAI- KARANJADE — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 – NAVI MUMBAI- KARANJADE is KARB0000638. The first four letters KARB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000638 map to this branch in NAVI MUMBAI- KARANJADE, MAHARASHTRA.

About Karnataka Bank Limited

Karnataka Bank Limited operates a wide network of branches across India, including the Navi Mumbai- Karanjade branch in Navi Mumbai- Karanjade. 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, KARB0000638.

About this branch

The branch is located at PLOT NO.47 & 48,SHOP NO.3,4&5,SECTOR 3,NAVI MUMBAI-KARANJADE-410206,PANVEL TALUK. It serves the Navi Mumbai- Karanjade region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Karnataka Bank Limited. The IFSC KARB0000638 is used to identify this branch on the RBI payments network.

Branch details at a glance

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 NAVI MUMBAI- KARANJADE branch came to be assigned the code KARB0000638.

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 KARB0000638, money simply cannot be routed to the NAVI MUMBAI- KARANJADE branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Navi Mumbai- Karanjade branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC KARB0000638 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC KARB0000638

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 KARB0000638 across all three.

How to use IFSC KARB0000638 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Karnataka Bank Limited's NAVI MUMBAI- KARANJADE 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 KARB0000638.
4. Confirm the bank name auto-populates as Karnataka Bank Limited and the branch as NAVI MUMBAI- KARANJADE.
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 NAVI MUMBAI- KARANJADE

If you need to transfer ₹2 lakh or more in one go to an account at Karnataka Bank Limited's NAVI MUMBAI- KARANJADE branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KARB0000638 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 – NAVI MUMBAI- KARANJADE, use IMPS. With IFSC KARB0000638 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 KARB0000638 for Karnataka Bank Limited – NAVI MUMBAI- KARANJADE, 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.

For most retail customers crediting the Navi Mumbai- Karanjade 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 KARB0000638

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 – NAVI MUMBAI- KARANJADE is still mapped to IFSC KARB0000638. 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 KARB0000638 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Navi Mumbai- Karanjade branch is mapped to IFSC KARB0000638 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 KARB0000638.

Banking services available

The Navi Mumbai- Karanjade branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on the branch contact number.

• 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 KARB0000638

Online banking and IFSC KARB0000638

Karnataka Bank Limited customers can register for net banking and the bank's official mobile app once their account at the NAVI MUMBAI- KARANJADE 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 KARB0000638 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.

How to reach the Navi Mumbai- Karanjade branch

The branch is located at PLOT NO.47 & 48,SHOP NO.3,4&5,SECTOR 3,NAVI MUMBAI-KARANJADE-410206,PANVEL TALUK, which puts it inside Navi Mumbai- Karanjade, the broader Raigad district, and the state of Maharashtra. To plan your visit:

1. Open Google Maps on your phone and search for “Karnataka Bank Limited Navi Mumbai- Karanjade branch” — the verified location pin for IFSC KARB0000638 should appear at the top of the results.
2. Confirm the branch is open by calling the branch contact number 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 KARB0000638 and your account number.

Common mistakes to avoid when using IFSC KARB0000638

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 – NAVI MUMBAI- KARANJADE, 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: KARB0000638.
• 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.

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 Navi Mumbai- Karanjade branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KARB0000638, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC KARB0000638 for Karnataka Bank Limited – NAVI MUMBAI- KARANJADE, 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.

Branch address & contact

Frequently asked questions

Final notes

To recap: KARB0000638 is the IFSC code of Karnataka Bank Limited, NAVI MUMBAI- KARANJADE branch, in NAVI MUMBAI- KARANJADE, MAHARASHTRA. 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.