IFSC Code of Karnataka Grameena Bank, Balaganur Vijayapura Branch, Karnataka

If you are searching for the IFSC code of Karnataka Grameena Bank, BALAGANUR VIJAYAPURA branch in BALAGANUR, KARNATAKA, this page has every detail you need. The verified IFSC code for this branch is PKGB0013249. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the BALAGANUR VIJAYAPURA branch, and detailed step-by-step guides for using the IFSC PKGB0013249 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For Karnataka Grameena Bank's BALAGANUR VIJAYAPURA branch, the IFSC PKGB0013249 breaks down as follows: PKGB identifies the bank, 0 is the reserved character, and 013249 identifies this particular branch.

Bank profile

Karnataka Grameena Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Balaganur Vijayapura branch — IFSC PKGB0013249 — extends the bank's services to customers in and around Balaganur, Karnataka.

Branch details at a glance

About this branch

The branch is located at SINDGI TQ,VIJAYAPURA DIST. It serves the Balaganur 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 Grameena Bank. The IFSC PKGB0013249 is used to identify this branch on the RBI payments network.

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 BALAGANUR VIJAYAPURA branch came to be assigned the code PKGB0013249.

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 PKGB0013249, money simply cannot be routed to the BALAGANUR VIJAYAPURA branch electronically.

Account types you can open at the Balaganur Vijayapura branch

Once you have an account at Karnataka Grameena Bank – BALAGANUR VIJAYAPURA, the IFSC PKGB0013249 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.

Banking services available

The Balaganur Vijayapura branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 8378-9480699358.

• 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 PKGB0013249

How to transfer money using IFSC PKGB0013249

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 PKGB0013249 across all three.

NEFT to Karnataka Grameena Bank, BALAGANUR VIJAYAPURA using IFSC PKGB0013249

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 PKGB0013249, and confirm that the system picks up Karnataka Grameena Bank – BALAGANUR VIJAYAPURA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to BALAGANUR VIJAYAPURA

If you need to transfer ₹2 lakh or more in one go to an account at Karnataka Grameena Bank's BALAGANUR VIJAYAPURA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PKGB0013249 while initiating the transfer and the credit will appear within minutes.

IMPS to Karnataka Grameena Bank BALAGANUR VIJAYAPURA (IFSC PKGB0013249)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PKGB0013249 in your mobile or internet banking app, and the money is credited to the BALAGANUR VIJAYAPURA branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC PKGB0013249 for Karnataka Grameena Bank – BALAGANUR VIJAYAPURA, 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 Balaganur Vijayapura 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 BALAGANUR VIJAYAPURA branch, the IFSC PKGB0013249 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.

Digital banking channels

Most day-to-day work that customers used to do at the Balaganur Vijayapura 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 PKGB0013249 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.

MICR & cheque-truncation details

Cheques drawn on the Balaganur Vijayapura branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PKGB0013249 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 Grameena Bank – BALAGANUR VIJAYAPURA:

• The IFSC is exactly PKGB0013249 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 BALAGANUR VIJAYAPURA 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 Balaganur Vijayapura branch sits at SINDGI TQ,VIJAYAPURA DIST. If you are travelling from outside Balaganur, search for the branch on a maps application using the bank name and locality, or call 8378-9480699358 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 PKGB0013249 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC PKGB0013249 for Karnataka Grameena Bank – BALAGANUR VIJAYAPURA, 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.

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 Balaganur Vijayapura branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC PKGB0013249, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: PKGB0013249 is the IFSC code of Karnataka Grameena Bank, BALAGANUR VIJAYAPURA branch, in BALAGANUR, 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.