IFSC Code of Karnataka Grameena Bank, Javagal Branch, Karnataka

Use this page as a one-stop reference for everything related to Karnataka Grameena Bank's JAVAGAL branch in ARASIKERE, KARNATAKA. The branch's IFSC code PKGB0012401 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, PKGB0012401 is the IFSC of Karnataka Grameena Bank's JAVAGAL branch. The format is fixed: PKGB = bank code, 0 = reserved, 012401 = branch identifier.

Bank profile

Karnataka Grameena Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Javagal branch — IFSC PKGB0012401 — extends the bank's services to customers in and around Arasikere, Karnataka.

Branch details at a glance

About the Javagal branch

The Javagal branch of Karnataka Grameena Bank is situated at JAVAGAL NEAR BY JAVAGAL BUS STAND ARASIKERE TALUK HASSAN DISTRICT. 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 PKGB0012401 is used.

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 Grameena Bank's JAVAGAL branch came to be assigned the code PKGB0012401.

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 PKGB0012401, money simply cannot be routed to the JAVAGAL branch electronically.

Account types you can open at the Javagal branch

Once you have an account at Karnataka Grameena Bank – JAVAGAL, the IFSC PKGB0012401 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 Javagal branch can access most of Karnataka Grameena Bank'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 PKGB0012401

How to transfer money using IFSC PKGB0012401

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 PKGB0012401 across all three.

NEFT to Karnataka Grameena Bank, JAVAGAL using IFSC PKGB0012401

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 PKGB0012401, and confirm that the system picks up Karnataka Grameena Bank – JAVAGAL. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to JAVAGAL

If you need to transfer ₹2 lakh or more in one go to an account at Karnataka Grameena Bank's JAVAGAL branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PKGB0012401 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Karnataka Grameena Bank – JAVAGAL, use IMPS. With IFSC PKGB0012401 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 PKGB0012401 for Karnataka Grameena Bank – JAVAGAL, 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 Javagal 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.

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 Grameena Bank's JAVAGAL branch, the IFSC PKGB0012401 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 PKGB0012401

Karnataka Grameena Bank customers can register for net banking and the bank's official mobile app once their account at the JAVAGAL 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 PKGB0012401 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 Grameena Bank carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC PKGB0012401 and the account number together uniquely identify the Javagal 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 Grameena Bank – JAVAGAL:

• The IFSC is exactly PKGB0012401 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills Karnataka Grameena Bank as the bank name and JAVAGAL 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 Javagal branch

The branch is located at JAVAGAL NEAR BY JAVAGAL BUS STAND ARASIKERE TALUK HASSAN DISTRICT, which puts it inside Arasikere, the broader Hassan district, and the state of Karnataka. To plan your visit:

1. Open Google Maps on your phone and search for “Karnataka Grameena Bank Javagal branch” — the verified location pin for IFSC PKGB0012401 should appear at the top of the results.
2. Confirm the branch is open by calling 0 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 PKGB0012401 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC PKGB0012401 for Karnataka Grameena Bank – JAVAGAL, 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 Javagal 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 PKGB0012401 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: PKGB0012401 is the IFSC code of Karnataka Grameena Bank, JAVAGAL branch, in ARASIKERE, KARNATAKA. 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.