IFSC Code of Karnataka Grameena Bank, Ramamurthy Nagar Branch, Karnataka

Below are the complete branch details for Karnataka Grameena Bank, RAMAMURTHY NAGAR branch, located in BENGALURU - EAST, KARNATAKA. The IFSC assigned by the Reserve Bank of India to this branch is PKGB0012521. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case PKGB0012521 for Karnataka Grameena Bank – RAMAMURTHY NAGAR — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 RAMAMURTHY NAGAR branch, the IFSC PKGB0012521 breaks down as follows: PKGB identifies the bank, 0 is the reserved character, and 012521 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 Ramamurthy Nagar branch — IFSC PKGB0012521 — extends the bank's services to customers in and around Bengaluru - East, Karnataka.

Ramamurthy Nagar branch overview

Located at 5C 410 PUNARVASU RAMAMURTGY NAGAR MAIN ROAD DOORAVANI NAGAR POST, the Ramamurthy Nagar branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC PKGB0012521 is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

Why every Karnataka Grameena Bank 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 RAMAMURTHY NAGAR of Karnataka Grameena Bank — its own 11-character IFSC. The code PKGB0012521 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 PKGB0012521 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 Grameena Bank carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC PKGB0012521 and the account number together uniquely identify the Ramamurthy Nagar branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC PKGB0012521

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 PKGB0012521 across all three.

NEFT to Karnataka Grameena Bank, RAMAMURTHY NAGAR using IFSC PKGB0012521

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 PKGB0012521, and confirm that the system picks up Karnataka Grameena Bank – RAMAMURTHY NAGAR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC PKGB0012521

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 Grameena Bank – RAMAMURTHY NAGAR, ensure your bank's portal accepts IFSC PKGB0012521 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Karnataka Grameena Bank RAMAMURTHY NAGAR (IFSC PKGB0012521)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PKGB0012521 in your mobile or internet banking app, and the money is credited to the RAMAMURTHY NAGAR branch account within seconds.

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

All three modes accept the IFSC PKGB0012521 for Karnataka Grameena Bank – RAMAMURTHY NAGAR, 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 Ramamurthy Nagar 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 PKGB0012521

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 Grameena Bank – RAMAMURTHY NAGAR is still mapped to IFSC PKGB0012521. 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 PKGB0012521 and the beneficiary's account number to complete the transfer.

Account types you can open at the Ramamurthy Nagar branch

Once you have an account at Karnataka Grameena Bank – RAMAMURTHY NAGAR, the IFSC PKGB0012521 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 Ramamurthy Nagar branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 0.

• 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 PKGB0012521

Digital banking channels

Most day-to-day work that customers used to do at the Ramamurthy Nagar 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 PKGB0012521 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 Ramamurthy Nagar branch

The branch is located at 5C 410 PUNARVASU RAMAMURTGY NAGAR MAIN ROAD DOORAVANI NAGAR POST, which puts it inside Bengaluru - East, the broader Bengaluru-U district, and the state of Karnataka. To plan your visit:

1. Open Google Maps on your phone and search for “Karnataka Grameena Bank Ramamurthy Nagar branch” — the verified location pin for IFSC PKGB0012521 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 PKGB0012521 and your account number.

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 – RAMAMURTHY NAGAR:

• The IFSC is exactly PKGB0012521 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 RAMAMURTHY NAGAR 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.

Working hours

Branch counters at Ramamurthy Nagar 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 PKGB0012521 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC PKGB0012521 for Karnataka Grameena Bank – RAMAMURTHY NAGAR, 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 address & contact

Frequently asked questions

Summary

The IFSC code PKGB0012521 belongs to Karnataka Grameena Bank's RAMAMURTHY NAGAR branch, located at 5C 410 PUNARVASU RAMAMURTGY NAGAR MAIN ROAD DOORAVANI NAGAR POST in BENGALURU - EAST, 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.