IFSC Code of Karnataka Grameena Bank, Bhatagunaki Branch, Karnataka

Use this page as a one-stop reference for everything related to Karnataka Grameena Bank's BHATAGUNAKI branch in BHATAGUNAKI, KARNATAKA. The branch's IFSC code PKGB0013291 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 – BHATAGUNAKI is PKGB0013291. The first four letters PKGB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 013291 map to this branch in BHATAGUNAKI, KARNATAKA.

Branch details at a glance

About the bank

Karnataka Grameena Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Bhatagunaki branch in Bhatagunaki, Karnataka is part of this network and uses the IFSC code PKGB0013291 for all electronic settlement.

About the Bhatagunaki branch

The Bhatagunaki branch of Karnataka Grameena Bank is situated at INDI TQ,VIJAYAPURA 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 PKGB0013291 is used.

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 BHATAGUNAKI of Karnataka Grameena Bank — its own 11-character IFSC. The code PKGB0013291 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 PKGB0013291 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 PKGB0013291

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 PKGB0013291 across all three.

NEFT to Karnataka Grameena Bank, BHATAGUNAKI using IFSC PKGB0013291

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 PKGB0013291, and confirm that the system picks up Karnataka Grameena Bank – BHATAGUNAKI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to BHATAGUNAKI

If you need to transfer ₹2 lakh or more in one go to an account at Karnataka Grameena Bank's BHATAGUNAKI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PKGB0013291 while initiating the transfer and the credit will appear within minutes.

IMPS to Karnataka Grameena Bank BHATAGUNAKI (IFSC PKGB0013291)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PKGB0013291 in your mobile or internet banking app, and the money is credited to the BHATAGUNAKI branch account within seconds.

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

All three modes accept the IFSC PKGB0013291 for Karnataka Grameena Bank – BHATAGUNAKI, 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 Bhatagunaki 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 PKGB0013291

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 – BHATAGUNAKI is still mapped to IFSC PKGB0013291. 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 PKGB0013291 and the beneficiary's account number to complete the transfer.

Account types you can open at the Bhatagunaki branch

Once you have an account at Karnataka Grameena Bank – BHATAGUNAKI, the IFSC PKGB0013291 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 Bhatagunaki branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 8422-9480699360.

• 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 PKGB0013291

MICR & cheque-truncation details

Cheques drawn on the Bhatagunaki branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PKGB0013291 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC PKGB0013291

Karnataka Grameena Bank customers can register for net banking and the bank's official mobile app once their account at the BHATAGUNAKI 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 PKGB0013291 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 – BHATAGUNAKI:

• The IFSC is exactly PKGB0013291 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 BHATAGUNAKI 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 Bhatagunaki branch sits at INDI TQ,VIJAYAPURA DIST. If you are travelling from outside Bhatagunaki, search for the branch on a maps application using the bank name and locality, or call 8422-9480699360 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 PKGB0013291 and your account number.

Verifying IFSC PKGB0013291 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 PKGB0013291 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 8422-9480699360.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Bhatagunaki 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 PKGB0013291 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code PKGB0013291 belongs to Karnataka Grameena Bank's BHATAGUNAKI branch, located at INDI TQ,VIJAYAPURA DIST in BHATAGUNAKI, 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.