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

Use this page as a one-stop reference for everything related to Karnataka Bank Limited's NAVI MUMBAI-AIROLI branch in NAVI MUMBAI, MAHARASHTRA. The branch's IFSC code KARB0000635 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 – NAVI MUMBAI-AIROLI is KARB0000635. The first four letters KARB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000635 map to this branch in NAVI MUMBAI, MAHARASHTRA.

Bank profile

Karnataka Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Navi Mumbai-Airoli branch — IFSC KARB0000635 — extends the bank's services to customers in and around Navi Mumbai, Maharashtra.

Branch details at a glance

About the Navi Mumbai-Airoli branch

The Navi Mumbai-Airoli branch of Karnataka Bank Limited is situated at SHOP NO.02 TO 06,GROUND FLOOR,VENUS CO-OP HOUSING SOCIETY LTD, PLOT NO.27,SECTOR6,NAVI MUMBAI-AIROLI - 400708. 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 KARB0000635 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 NAVI MUMBAI-AIROLI of Karnataka Bank Limited — its own 11-character IFSC. The code KARB0000635 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 KARB0000635 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 Navi Mumbai-Airoli branch

Once you have an account at Karnataka Bank Limited – NAVI MUMBAI-AIROLI, the IFSC KARB0000635 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 Navi Mumbai-Airoli 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 KARB0000635

How to transfer money using IFSC KARB0000635

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 KARB0000635 across all three.

NEFT to Karnataka Bank Limited, NAVI MUMBAI-AIROLI using IFSC KARB0000635

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 KARB0000635, and confirm that the system picks up Karnataka Bank Limited – NAVI MUMBAI-AIROLI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to NAVI MUMBAI-AIROLI

If you need to transfer ₹2 lakh or more in one go to an account at Karnataka Bank Limited's NAVI MUMBAI-AIROLI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KARB0000635 while initiating the transfer and the credit will appear within minutes.

IMPS to Karnataka Bank Limited NAVI MUMBAI-AIROLI (IFSC KARB0000635)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KARB0000635 in your mobile or internet banking app, and the money is credited to the NAVI MUMBAI-AIROLI branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Navi Mumbai-Airoli

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 KARB0000635:

• 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 NAVI MUMBAI-AIROLI is still linked to IFSC KARB0000635.

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 NAVI MUMBAI-AIROLI branch, the IFSC KARB0000635 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 KARB0000635

Karnataka Bank Limited customers can register for net banking and the bank's official mobile app once their account at the NAVI MUMBAI-AIROLI 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 KARB0000635 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 & cheque-truncation details

Cheques drawn on the Navi Mumbai-Airoli branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC KARB0000635 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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 – NAVI MUMBAI-AIROLI:

• The IFSC is exactly KARB0000635 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 NAVI MUMBAI-AIROLI 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 Navi Mumbai-Airoli branch

The branch is located at SHOP NO.02 TO 06,GROUND FLOOR,VENUS CO-OP HOUSING SOCIETY LTD, PLOT NO.27,SECTOR6,NAVI MUMBAI-AIROLI - 400708, which puts it inside Navi Mumbai, the broader Thane 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-Airoli branch” — the verified location pin for IFSC KARB0000635 should appear at the top of the results.
2. Confirm the branch is open by calling 22-8291974192 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 KARB0000635 and your account number.

Verifying IFSC KARB0000635 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 KARB0000635 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 22-8291974192.
• Visiting the bank's official branch locator page.

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-Airoli branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KARB0000635, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code KARB0000635 belongs to Karnataka Bank Limited's NAVI MUMBAI-AIROLI branch, located at SHOP NO.02 TO 06,GROUND FLOOR,VENUS CO-OP HOUSING SOCIETY LTD, PLOT… in NAVI 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.