If you are searching for the IFSC code of Karnataka Grameena Bank, BHADRAVATHI branch in BHADRAVATHI, KARNATAKA, this page has every detail you need. The verified IFSC code for this branch is PKGB0010557. 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 BHADRAVATHI branch, and detailed step-by-step guides for using the IFSC PKGB0010557 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 BHADRAVATHI branch, the IFSC PKGB0010557 breaks down as follows: PKGB identifies the bank, 0 is the reserved character, and 010557 identifies this particular branch.
About Karnataka Grameena Bank
Karnataka Grameena Bank operates a wide network of branches across India, including the Bhadravathi branch in Bhadravathi. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, PKGB0010557.
About the Bhadravathi branch
The Bhadravathi branch of Karnataka Grameena Bank is situated at THE MANAGER, KARNATAKA GRAMEENA BANK,1ST FLOOR, TALUK OFFICE ROAD, BHADRAVATHI TOWN,SHIVAMOGGA DISTRICT, PIN577 301,. 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 PKGB0010557 is used.
Branch details at a glance
| Bank Name | Karnataka Grameena Bank |
|---|---|
| Branch | Bhadravathi |
| IFSC Code | PKGB0010557 |
| MICR Code | Refer to cheque leaf |
| Branch Address | THE MANAGER, KARNATAKA GRAMEENA BANK,1ST FLOOR, TALUK OFFICE ROAD, BHADRAVATHI TOWN,SHIVAMOGGA DISTRICT, PIN577 301, |
| City | Bhadravathi |
| District | Shimoga |
| State | Karnataka |
| STD Code | 8282 |
| Phone | 269389 |
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 BHADRAVATHI branch came to be assigned the code PKGB0010557.
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 PKGB0010557, money simply cannot be routed to the BHADRAVATHI branch electronically.
MICR & cheque-truncation details
Cheques drawn on the Bhadravathi branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PKGB0010557 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
How to transfer money using IFSC PKGB0010557
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 PKGB0010557 across all three.
NEFT to Karnataka Grameena Bank, BHADRAVATHI using IFSC PKGB0010557
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 PKGB0010557, and confirm that the system picks up Karnataka Grameena Bank – BHADRAVATHI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to BHADRAVATHI
If you need to transfer ₹2 lakh or more in one go to an account at Karnataka Grameena Bank's BHADRAVATHI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PKGB0010557 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 – BHADRAVATHI, use IMPS. With IFSC PKGB0010557 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 Bhadravathi
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 PKGB0010557:
- 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 BHADRAVATHI is still linked to IFSC PKGB0010557.
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 BHADRAVATHI branch, the IFSC PKGB0010557 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 Bhadravathi branch is mapped to IFSC PKGB0010557 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 PKGB0010557.
Products and services
Customers walking into the Bhadravathi 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 PKGB0010557
Digital banking channels
Most day-to-day work that customers used to do at the Bhadravathi 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 PKGB0010557 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.
Reaching the branch
The Bhadravathi branch sits at THE MANAGER, KARNATAKA GRAMEENA BANK,1ST FLOOR, TALUK OFFICE ROAD, BHADRAVATHI TOWN,SHIVAMOGGA DISTRICT, PIN577 301,. If you are travelling from outside Bhadravathi, search for the branch on a maps application using the bank name and locality, or call 8282-269389 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 PKGB0010557 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 – BHADRAVATHI:
- The IFSC is exactly PKGB0010557 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 BHADRAVATHI 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 Bhadravathi 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 PKGB0010557 continue to work without interruption.
Other ways to verify the IFSC code
While this page already lists the verified IFSC PKGB0010557 for Karnataka Grameena Bank – BHADRAVATHI, 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
Karnataka Grameena BankBhadravathi Branch
THE MANAGER, KARNATAKA GRAMEENA BANK,1ST FLOOR, TALUK OFFICE ROAD, BHADRAVATHI TOWN,SHIVAMOGGA DISTRICT, PIN577 301,
Bhadravathi, Karnataka
Phone: 8282-269389
IFSC: PKGB0010557
Frequently asked questions
How do I add Karnataka Grameena Bank Bhadravathi as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC PKGB0010557, and complete OTP verification. Once activated, you can transfer funds at any time.
Can I use IFSC PKGB0010557 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC PKGB0010557 to send funds instantly.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Bhadravathi branch but serve different purposes.
Is IFSC PKGB0010557 valid for NEFT and RTGS?
Yes. IFSC PKGB0010557 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the phone number of Karnataka Grameena Bank Bhadravathi branch?
You can reach the branch at 8282-269389 during regular banking hours.
Is IFSC PKGB0010557 the same for all accounts at Bhadravathi branch?
Yes. The IFSC PKGB0010557 is shared by every account held at Karnataka Grameena Bank's Bhadravathi branch. Only the account number changes from customer to customer.
How quickly will an NEFT transfer using PKGB0010557 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Karnataka Grameena Bank – Bhadravathi reflect within 30 minutes.
Summary
The IFSC code PKGB0010557 belongs to Karnataka Grameena Bank's BHADRAVATHI branch, located at THE MANAGER, KARNATAKA GRAMEENA BANK,1ST FLOOR, TALUK OFFICE ROAD, BHADRAVATHI… in BHADRAVATHI, 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.
