IFSC Code of Karnataka Bank Limited, Vellakovil Tn Branch, Tamil Nadu

Use this page as a one-stop reference for everything related to Karnataka Bank Limited's VELLAKOVIL TN branch in VELLAKOVIL, TAMIL NADU. The branch's IFSC code KARB0000794 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 – VELLAKOVIL TN is KARB0000794. The first four letters KARB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000794 map to this branch in VELLAKOVIL, TAMIL NADU.

Bank profile

Karnataka Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Vellakovil Tn branch — IFSC KARB0000794 — extends the bank's services to customers in and around Vellakovil, Tamil Nadu.

Branch details at a glance

About this branch

The branch is located at DOOR NO.692,GROUND FLOOR,NELMUTHU COMPLEX,MATHUR ROAD,VELLAKOVIL,KANGEYAM TALUK, PIN - 638111. It serves the Vellakovil 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 KARB0000794 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 VELLAKOVIL TN of Karnataka Bank Limited — its own 11-character IFSC. The code KARB0000794 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 KARB0000794 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 Vellakovil Tn branch

Once you have an account at Karnataka Bank Limited – VELLAKOVIL TN, the IFSC KARB0000794 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 Vellakovil Tn 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 KARB0000794

How to transfer money using IFSC KARB0000794

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 KARB0000794 across all three.

How to use IFSC KARB0000794 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Karnataka Bank Limited's VELLAKOVIL TN 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 KARB0000794.
4. Confirm the bank name auto-populates as Karnataka Bank Limited and the branch as VELLAKOVIL TN.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC KARB0000794

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 – VELLAKOVIL TN, ensure your bank's portal accepts IFSC KARB0000794 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Karnataka Bank Limited – VELLAKOVIL TN, use IMPS. With IFSC KARB0000794 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 Vellakovil Tn

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 KARB0000794:

• 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 VELLAKOVIL TN is still linked to IFSC KARB0000794.

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 VELLAKOVIL TN branch, the IFSC KARB0000794 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 KARB0000794

Karnataka Bank Limited customers can register for net banking and the bank's official mobile app once their account at the VELLAKOVIL TN 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 KARB0000794 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 Vellakovil Tn branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC KARB0000794 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 – VELLAKOVIL TN:

• The IFSC is exactly KARB0000794 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 VELLAKOVIL TN 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 Vellakovil Tn branch sits at DOOR NO.692,GROUND FLOOR,NELMUTHU COMPLEX,MATHUR ROAD,VELLAKOVIL,KANGEYAM TALUK, PIN - 638111. If you are travelling from outside Vellakovil, search for the branch on a maps application using the bank name and locality, or call 4257-262689 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 KARB0000794 and your account number.

Verifying IFSC KARB0000794 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 KARB0000794 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 4257-262689.
• 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 Vellakovil Tn branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KARB0000794, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: KARB0000794 is the IFSC code of Karnataka Bank Limited, VELLAKOVIL TN branch, in VELLAKOVIL, TAMIL NADU. 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.