Use this page as a one-stop reference for everything related to Karnataka Bank Limited's SURAT GUJARAT branch in SURAT, GUJARAT. The branch's IFSC code KARB0000726 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.
IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.
In our case, KARB0000726 is the IFSC of Karnataka Bank Limited's SURAT GUJARAT branch. The format is fixed: KARB = bank code, 0 = reserved, 000726 = branch identifier.
Bank profile
Karnataka Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Surat Gujarat branch — IFSC KARB0000726 — extends the bank's services to customers in and around Surat, Gujarat.
About this branch
The branch is located at K.G.CHAMBERS,OPP.GUJARAT SAMACHAR PRESS,UDHNA DARWAJA RING ROAD,SURAT, PIN - 395002. It serves the Surat 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 KARB0000726 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | Karnataka Bank Limited |
|---|---|
| Branch | Surat Gujarat |
| IFSC Code | KARB0000726 |
| MICR Code | Refer to cheque leaf |
| Branch Address | K.G.CHAMBERS,OPP.GUJARAT SAMACHAR PRESS,UDHNA DARWAJA RING ROAD,SURAT, PIN - 395002 |
| City | Surat |
| District | Surat |
| State | Gujarat |
| STD Code | 261 |
| Phone | 2363063 |
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 SURAT GUJARAT of Karnataka Bank Limited — its own 11-character IFSC. The code KARB0000726 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 KARB0000726 the same way you would treat your account number — verify it once and save it carefully for future use.
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 KARB0000726 and the account number together uniquely identify the Surat Gujarat branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC KARB0000726
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 KARB0000726 across all three.
How to use IFSC KARB0000726 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Karnataka Bank Limited's SURAT GUJARAT 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC KARB0000726.
- Confirm the bank name auto-populates as Karnataka Bank Limited and the branch as SURAT GUJARAT.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC KARB0000726
RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to Karnataka Bank Limited – SURAT GUJARAT, ensure your bank's portal accepts IFSC KARB0000726 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Karnataka Bank Limited – SURAT GUJARAT, use IMPS. With IFSC KARB0000726 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 KARB0000726 for Karnataka Bank Limited – SURAT GUJARAT, 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – KARB0000726 | Yes – KARB0000726 | Yes – KARB0000726 |
For most retail customers crediting the Surat Gujarat 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 KARB0000726
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 – SURAT GUJARAT is still mapped to IFSC KARB0000726. 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 KARB0000726 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Surat Gujarat branch is mapped to IFSC KARB0000726 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 KARB0000726.
Banking services available
The Surat Gujarat branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 261-2363063.
- 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 KARB0000726
Online banking and IFSC KARB0000726
Karnataka Bank Limited customers can register for net banking and the bank's official mobile app once their account at the SURAT GUJARAT 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 KARB0000726 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 Surat Gujarat branch
The branch is located at K.G.CHAMBERS,OPP.GUJARAT SAMACHAR PRESS,UDHNA DARWAJA RING ROAD,SURAT, PIN - 395002, which puts it inside Surat, the broader Surat district, and the state of Gujarat. To plan your visit:
- Open Google Maps on your phone and search for “Karnataka Bank Limited Surat Gujarat branch” — the verified location pin for IFSC KARB0000726 should appear at the top of the results.
- Confirm the branch is open by calling 261-2363063 before stepping out, especially around public holidays.
- 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 KARB0000726 and your account number.
Common mistakes to avoid when using IFSC KARB0000726
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 – SURAT GUJARAT, 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:
KARB0000726. - 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 Surat Gujarat branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KARB0000726, however, work 24x7.
Verifying IFSC KARB0000726 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 KARB0000726 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 261-2363063.
- Visiting the bank's official branch locator page.
Branch address & contact
Karnataka Bank LimitedSurat Gujarat Branch
K.G.CHAMBERS,OPP.GUJARAT SAMACHAR PRESS,UDHNA DARWAJA RING ROAD,SURAT, PIN - 395002
Surat, Gujarat
Phone: 261-2363063
IFSC: KARB0000726
Frequently asked questions
Does Karnataka Bank Limited Surat Gujarat branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 261-2363063 to confirm.
How do I add Karnataka Bank Limited Surat Gujarat as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC KARB0000726, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Surat Gujarat branch but serve different purposes.
What is the IFSC code of Karnataka Bank Limited Surat Gujarat branch?
The IFSC code of Karnataka Bank Limited, Surat Gujarat branch is KARB0000726. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
What is the phone number of Karnataka Bank Limited Surat Gujarat branch?
You can reach the branch at 261-2363063 during regular banking hours.
Where is Karnataka Bank Limited Surat Gujarat branch located?
Karnataka Bank Limited's Surat Gujarat branch is located at K.G.CHAMBERS,OPP.GUJARAT SAMACHAR PRESS,UDHNA DARWAJA RING ROAD,SURAT, PIN - 395002, Surat, Gujarat.
How quickly will an NEFT transfer using KARB0000726 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Karnataka Bank Limited – Surat Gujarat reflect within 30 minutes.
Is IFSC KARB0000726 the same for all accounts at Surat Gujarat branch?
Yes. The IFSC KARB0000726 is shared by every account held at Karnataka Bank Limited's Surat Gujarat branch. Only the account number changes from customer to customer.
Summary
The IFSC code KARB0000726 belongs to Karnataka Bank Limited's SURAT GUJARAT branch, located at K.G.CHAMBERS,OPP.GUJARAT SAMACHAR PRESS,UDHNA DARWAJA RING ROAD,SURAT, PIN -… in SURAT, GUJARAT. 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.
