IFSC Code of Karnataka Grameena Bank, Thalagawara Branch, Karnataka

This page lists the IFSC code, branch address, contact number and fund-transfer information for Karnataka Grameena Bank, THALAGAWARA branch in CHINTAMANI. The 11-digit IFSC PKGB0010831 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Karnataka Grameena Bank at the THALAGAWARA location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, PKGB0010831 is the IFSC of Karnataka Grameena Bank's THALAGAWARA branch. The format is fixed: PKGB = bank code, 0 = reserved, 010831 = branch identifier.

About the bank

Karnataka Grameena Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Thalagawara branch in Chintamani, Karnataka is part of this network and uses the IFSC code PKGB0010831 for all electronic settlement.

Thalagawara branch overview

Located at THE MANAGER, KARNATAKA GRAMEENA BANK, TALAGAWARA BRANCH, CHINTHAMANI TALUK, CHIKKABALLAPURA DISTRICT, PIN563 128, the Thalagawara branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC PKGB0010831 is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

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 THALAGAWARA branch came to be assigned the code PKGB0010831.

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 PKGB0010831, money simply cannot be routed to the THALAGAWARA branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Thalagawara branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PKGB0010831 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 PKGB0010831

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 PKGB0010831 across all three.

How to use IFSC PKGB0010831 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Karnataka Grameena Bank's THALAGAWARA branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC PKGB0010831.
4. Confirm the bank name auto-populates as Karnataka Grameena Bank and the branch as THALAGAWARA.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to THALAGAWARA

If you need to transfer ₹2 lakh or more in one go to an account at Karnataka Grameena Bank's THALAGAWARA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PKGB0010831 while initiating the transfer and the credit will appear within minutes.

IMPS to Karnataka Grameena Bank THALAGAWARA (IFSC PKGB0010831)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PKGB0010831 in your mobile or internet banking app, and the money is credited to the THALAGAWARA branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Thalagawara

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 PKGB0010831:

• 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 THALAGAWARA is still linked to IFSC PKGB0010831.

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.

UPI payments and IFSC PKGB0010831

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 – THALAGAWARA is still mapped to IFSC PKGB0010831. 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 PKGB0010831 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Thalagawara branch is mapped to IFSC PKGB0010831 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 PKGB0010831.

Banking services available

The Thalagawara branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 8154-239629.

• 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 PKGB0010831

Online banking and IFSC PKGB0010831

Karnataka Grameena Bank customers can register for net banking and the bank's official mobile app once their account at the THALAGAWARA 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 PKGB0010831 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.

Reaching the branch

The Thalagawara branch sits at THE MANAGER, KARNATAKA GRAMEENA BANK, TALAGAWARA BRANCH, CHINTHAMANI TALUK, CHIKKABALLAPURA DISTRICT, PIN563 128. If you are travelling from outside Chintamani, search for the branch on a maps application using the bank name and locality, or call 8154-239629 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 PKGB0010831 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 – THALAGAWARA:

• The IFSC is exactly PKGB0010831 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 THALAGAWARA 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.

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 Thalagawara branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC PKGB0010831, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC PKGB0010831 for Karnataka Grameena Bank – THALAGAWARA, 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 PKGB0010831 belongs to Karnataka Grameena Bank's THALAGAWARA branch, located at THE MANAGER, KARNATAKA GRAMEENA BANK, TALAGAWARA BRANCH, CHINTHAMANI TALUK,… in CHINTAMANI, 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.