IFSC Code of Karnataka Grameena Bank, Arawatagi Branch, Karnataka

Use this page as a one-stop reference for everything related to Karnataka Grameena Bank's ARAWATAGI branch in ARAWATAGI, KARNATAKA. The branch's IFSC code PKGB0013153 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 Grameena Bank – ARAWATAGI is PKGB0013153. The first four letters PKGB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 013153 map to this branch in ARAWATAGI, KARNATAKA.

About the bank

Karnataka Grameena Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Arawatagi branch in Arawatagi, Karnataka is part of this network and uses the IFSC code PKGB0013153 for all electronic settlement.

About the Arawatagi branch

The Arawatagi branch of Karnataka Grameena Bank is situated at DHARWAD TQ,DHARWAD DIST. 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 PKGB0013153 is used.

Branch details at a glance

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 ARAWATAGI branch came to be assigned the code PKGB0013153.

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 PKGB0013153, money simply cannot be routed to the ARAWATAGI branch electronically.

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 PKGB0013153 and the account number together uniquely identify the Arawatagi branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC PKGB0013153

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 PKGB0013153 across all three.

NEFT to Karnataka Grameena Bank, ARAWATAGI using IFSC PKGB0013153

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 PKGB0013153, and confirm that the system picks up Karnataka Grameena Bank – ARAWATAGI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to ARAWATAGI

If you need to transfer ₹2 lakh or more in one go to an account at Karnataka Grameena Bank's ARAWATAGI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PKGB0013153 while initiating the transfer and the credit will appear within minutes.

IMPS to Karnataka Grameena Bank ARAWATAGI (IFSC PKGB0013153)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PKGB0013153 in your mobile or internet banking app, and the money is credited to the ARAWATAGI branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Arawatagi

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 PKGB0013153:

• 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 ARAWATAGI is still linked to IFSC PKGB0013153.

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 Grameena Bank's ARAWATAGI branch, the IFSC PKGB0013153 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.

Products and account variants supported

Every account opened at the Arawatagi branch is mapped to IFSC PKGB0013153 on the RBI payments network. The branch generally supports the full retail product catalogue of Karnataka Grameena Bank, 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 PKGB0013153.

Products and services

Customers walking into the Arawatagi 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 PKGB0013153

Digital banking channels

Most day-to-day work that customers used to do at the Arawatagi branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC PKGB0013153 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.

How to reach the Arawatagi branch

The branch is located at DHARWAD TQ,DHARWAD DIST, which puts it inside Arawatagi, the broader Dharwad district, and the state of Karnataka. To plan your visit:

1. Open Google Maps on your phone and search for “Karnataka Grameena Bank Arawatagi branch” — the verified location pin for IFSC PKGB0013153 should appear at the top of the results.
2. Confirm the branch is open by calling 836-9480699104 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 PKGB0013153 and your account number.

Common mistakes to avoid when using IFSC PKGB0013153

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 Grameena Bank – ARAWATAGI, 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: PKGB0013153.
• 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 Arawatagi branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC PKGB0013153, however, work 24x7.

Verifying IFSC PKGB0013153 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 PKGB0013153 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 836-9480699104.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Summary

The IFSC code PKGB0013153 belongs to Karnataka Grameena Bank's ARAWATAGI branch, located at DHARWAD TQ,DHARWAD DIST in ARAWATAGI, 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.