IFSC Code of Karnataka Bank Limited, Shimoga Main Nehru Road Branch, Karnataka

If you are searching for the IFSC code of Karnataka Bank Limited, SHIMOGA MAIN NEHRU ROAD branch in SHIMOGA, KARNATAKA, this page has every detail you need. The verified IFSC code for this branch is KARB0000705. 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 SHIMOGA MAIN NEHRU ROAD branch, and detailed step-by-step guides for using the IFSC KARB0000705 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 – SHIMOGA MAIN NEHRU ROAD is KARB0000705. The first four letters KARB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000705 map to this branch in SHIMOGA, KARNATAKA.

Bank profile

Karnataka Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Shimoga Main Nehru Road branch — IFSC KARB0000705 — extends the bank's services to customers in and around Shimoga, Karnataka.

Branch details at a glance

Shimoga Main Nehru Road branch overview

Located at NO 5/105,M.G.PALACE,GOPI CIRCLE,SHIMOGA, PIN - 577201, the Shimoga Main Nehru Road branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC KARB0000705 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 SHIMOGA MAIN NEHRU ROAD branch came to be assigned the code KARB0000705.

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 KARB0000705, money simply cannot be routed to the SHIMOGA MAIN NEHRU ROAD branch electronically.

Account types you can open at the Shimoga Main Nehru Road branch

Once you have an account at Karnataka Bank Limited – SHIMOGA MAIN NEHRU ROAD, the IFSC KARB0000705 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 Shimoga Main Nehru Road branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 8182-273377.

• 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 KARB0000705

How to transfer money using IFSC KARB0000705

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 KARB0000705 across all three.

How to use IFSC KARB0000705 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Karnataka Bank Limited's SHIMOGA MAIN NEHRU ROAD 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 KARB0000705.
4. Confirm the bank name auto-populates as Karnataka Bank Limited and the branch as SHIMOGA MAIN NEHRU ROAD.
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 SHIMOGA MAIN NEHRU ROAD

If you need to transfer ₹2 lakh or more in one go to an account at Karnataka Bank Limited's SHIMOGA MAIN NEHRU ROAD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KARB0000705 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 – SHIMOGA MAIN NEHRU ROAD, use IMPS. With IFSC KARB0000705 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 Shimoga Main Nehru Road

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 KARB0000705:

• 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 SHIMOGA MAIN NEHRU ROAD is still linked to IFSC KARB0000705.

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 KARB0000705

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 – SHIMOGA MAIN NEHRU ROAD is still mapped to IFSC KARB0000705. 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 KARB0000705 and the beneficiary's account number to complete the transfer.

Online banking and IFSC KARB0000705

Karnataka Bank Limited customers can register for net banking and the bank's official mobile app once their account at the SHIMOGA MAIN NEHRU ROAD 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 KARB0000705 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 Shimoga Main Nehru Road branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC KARB0000705 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 KARB0000705

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 – SHIMOGA MAIN NEHRU ROAD, 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: KARB0000705.
• 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 Shimoga Main Nehru Road branch sits at NO 5/105,M.G.PALACE,GOPI CIRCLE,SHIMOGA, PIN - 577201. If you are travelling from outside Shimoga, search for the branch on a maps application using the bank name and locality, or call 8182-273377 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 KARB0000705 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC KARB0000705 for Karnataka Bank Limited – SHIMOGA MAIN NEHRU ROAD, 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 Shimoga Main Nehru Road 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 KARB0000705 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code KARB0000705 belongs to Karnataka Bank Limited's SHIMOGA MAIN NEHRU ROAD branch, located at NO 5/105,M.G.PALACE,GOPI CIRCLE,SHIMOGA, PIN - 577201 in SHIMOGA, KARNATAKA. 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.