IFSC Code of Karnataka Bank Limited, Siliguri S F Road Branch, West Bengal

Use this page as a one-stop reference for everything related to Karnataka Bank Limited's SILIGURI S F ROAD branch in SILIGURI, WEST BENGAL. The branch's IFSC code KARB0000697 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 – SILIGURI S F ROAD is KARB0000697. The first four letters KARB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000697 map to this branch in SILIGURI, WEST BENGAL.

About the bank

Karnataka Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Siliguri S F Road branch in Siliguri, West Bengal is part of this network and uses the IFSC code KARB0000697 for all electronic settlement.

Branch details at a glance

About this branch

The branch is located at PLOT NO.3229,ARIHANT APARTMENT, BESIDE MAHESHWARI SEVA SADAN, S F ROAD, SILIGURI - 734005. It serves the Siliguri 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 KARB0000697 is used to identify this branch on the RBI payments network.

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 SILIGURI S F ROAD of Karnataka Bank Limited — its own 11-character IFSC. The code KARB0000697 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 KARB0000697 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 Siliguri S F Road branch

Once you have an account at Karnataka Bank Limited – SILIGURI S F ROAD, the IFSC KARB0000697 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 Siliguri S F Road 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 KARB0000697

How to transfer money using IFSC KARB0000697

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 KARB0000697 across all three.

How to use IFSC KARB0000697 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Karnataka Bank Limited's SILIGURI S F 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 KARB0000697.
4. Confirm the bank name auto-populates as Karnataka Bank Limited and the branch as SILIGURI S F 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 SILIGURI S F ROAD

If you need to transfer ₹2 lakh or more in one go to an account at Karnataka Bank Limited's SILIGURI S F ROAD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KARB0000697 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 – SILIGURI S F ROAD, use IMPS. With IFSC KARB0000697 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 KARB0000697 for Karnataka Bank Limited – SILIGURI S F ROAD, 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 Siliguri S F Road 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 KARB0000697

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 – SILIGURI S F ROAD is still mapped to IFSC KARB0000697. 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 KARB0000697 and the beneficiary's account number to complete the transfer.

Online banking and IFSC KARB0000697

Karnataka Bank Limited customers can register for net banking and the bank's official mobile app once their account at the SILIGURI S F 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 KARB0000697 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 KARB0000697 and the account number together uniquely identify the Siliguri S F Road 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 – SILIGURI S F ROAD:

• The IFSC is exactly KARB0000697 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 SILIGURI S F ROAD 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 Siliguri S F Road branch sits at PLOT NO.3229,ARIHANT APARTMENT, BESIDE MAHESHWARI SEVA SADAN, S F ROAD, SILIGURI - 734005. If you are travelling from outside Siliguri, search for the branch on a maps application using the bank name and locality, or call 353-7699996678 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 KARB0000697 and your account number.

Verifying IFSC KARB0000697 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 KARB0000697 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 353-7699996678.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Siliguri S F 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 KARB0000697 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code KARB0000697 belongs to Karnataka Bank Limited's SILIGURI S F ROAD branch, located at PLOT NO.3229,ARIHANT APARTMENT, BESIDE MAHESHWARI SEVA SADAN, S F ROAD,… in SILIGURI, WEST BENGAL. 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.