IFSC Code of Karnataka Grameena Bank, Hutha Colony Bhadravathi Branch, Karnataka

Use this page as a one-stop reference for everything related to Karnataka Grameena Bank's HUTHA COLONY BHADRAVATHI branch in BHADRAVATHI, KARNATAKA. The branch's IFSC code PKGB0010982 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.

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 HUTHA COLONY BHADRAVATHI branch, the IFSC PKGB0010982 breaks down as follows: PKGB identifies the bank, 0 is the reserved character, and 010982 identifies this particular branch.

Branch details at a glance

About Karnataka Grameena Bank

Karnataka Grameena Bank operates a wide network of branches across India, including the Hutha Colony 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, PKGB0010982.

About this branch

The branch is located at THE MANAGER,KARNATAKA GRAMEENA BANK, HUTTA COLONY, MAIN ROAD, BHADRAVATHI TOWN, BHADRAVATHI TQ, SHIMOGA DIST. It serves the Bhadravathi 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 PKGB0010982 is used to identify this branch on the RBI payments network.

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 HUTHA COLONY BHADRAVATHI of Karnataka Grameena Bank — its own 11-character IFSC. The code PKGB0010982 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 PKGB0010982 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC PKGB0010982

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 PKGB0010982 across all three.

NEFT to Karnataka Grameena Bank, HUTHA COLONY BHADRAVATHI using IFSC PKGB0010982

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 PKGB0010982, and confirm that the system picks up Karnataka Grameena Bank – HUTHA COLONY BHADRAVATHI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC PKGB0010982

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 – HUTHA COLONY BHADRAVATHI, ensure your bank's portal accepts IFSC PKGB0010982 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Karnataka Grameena Bank – HUTHA COLONY BHADRAVATHI, use IMPS. With IFSC PKGB0010982 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 PKGB0010982 for Karnataka Grameena Bank – HUTHA COLONY BHADRAVATHI, 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 Hutha Colony Bhadravathi 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 PKGB0010982

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 – HUTHA COLONY BHADRAVATHI is still mapped to IFSC PKGB0010982. 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 PKGB0010982 and the beneficiary's account number to complete the transfer.

Account types you can open at the Hutha Colony Bhadravathi branch

Once you have an account at Karnataka Grameena Bank – HUTHA COLONY BHADRAVATHI, the IFSC PKGB0010982 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 Hutha Colony 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 PKGB0010982

MICR & cheque-truncation details

Cheques drawn on the Hutha Colony Bhadravathi branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PKGB0010982 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC PKGB0010982

Karnataka Grameena Bank customers can register for net banking and the bank's official mobile app once their account at the HUTHA COLONY BHADRAVATHI 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 PKGB0010982 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.

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 – HUTHA COLONY BHADRAVATHI:

• The IFSC is exactly PKGB0010982 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 HUTHA COLONY 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.

How to reach the Hutha Colony Bhadravathi branch

The branch is located at THE MANAGER,KARNATAKA GRAMEENA BANK, HUTTA COLONY, MAIN ROAD, BHADRAVATHI TOWN, BHADRAVATHI TQ, SHIMOGA DIST, which puts it inside Bhadravathi, the broader Shimoga district, and the state of Karnataka. To plan your visit:

1. Open Google Maps on your phone and search for “Karnataka Grameena Bank Hutha Colony Bhadravathi branch” — the verified location pin for IFSC PKGB0010982 should appear at the top of the results.
2. Confirm the branch is open by calling 8282-262655 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 PKGB0010982 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC PKGB0010982 for Karnataka Grameena Bank – HUTHA COLONY 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 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 Hutha Colony Bhadravathi branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC PKGB0010982, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: PKGB0010982 is the IFSC code of Karnataka Grameena Bank, HUTHA COLONY BHADRAVATHI branch, in BHADRAVATHI, 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.