IFSC Code of Karnataka Grameena Bank, Vijayanagar,Chitradurga Branch, Karnataka

Below are the complete branch details for Karnataka Grameena Bank, VIJAYANAGAR,CHITRADURGA branch, located in CHITRADURGA, KARNATAKA. The IFSC assigned by the Reserve Bank of India to this branch is PKGB0010923. 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 PKGB0010923 for Karnataka Grameena Bank – VIJAYANAGAR,CHITRADURGA — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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, PKGB0010923 is the IFSC of Karnataka Grameena Bank's VIJAYANAGAR,CHITRADURGA branch. The format is fixed: PKGB = bank code, 0 = reserved, 010923 = branch identifier.

About Karnataka Grameena Bank

Karnataka Grameena Bank operates a wide network of branches across India, including the Vijayanagar,Chitradurga branch in Chitradurga. 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, PKGB0010923.

About the Vijayanagar,Chitradurga branch

The Vijayanagar,Chitradurga branch of Karnataka Grameena Bank is situated at THE MANAGER,KARNATAKA GRAMEENA BANK,VIJAYANAGAR,CHITRADURGATOWN,CHITRADURGA DISTRICT. 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 PKGB0010923 is used.

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 VIJAYANAGAR,CHITRADURGA branch came to be assigned the code PKGB0010923.

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 PKGB0010923, money simply cannot be routed to the VIJAYANAGAR,CHITRADURGA branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Vijayanagar,Chitradurga branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PKGB0010923 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 PKGB0010923

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 PKGB0010923 across all three.

How to use IFSC PKGB0010923 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Karnataka Grameena Bank's VIJAYANAGAR,CHITRADURGA 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 PKGB0010923.
4. Confirm the bank name auto-populates as Karnataka Grameena Bank and the branch as VIJAYANAGAR,CHITRADURGA.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC PKGB0010923

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 – VIJAYANAGAR,CHITRADURGA, ensure your bank's portal accepts IFSC PKGB0010923 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Karnataka Grameena Bank – VIJAYANAGAR,CHITRADURGA, use IMPS. With IFSC PKGB0010923 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 PKGB0010923 for Karnataka Grameena Bank – VIJAYANAGAR,CHITRADURGA, 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 Vijayanagar,Chitradurga 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 PKGB0010923

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 – VIJAYANAGAR,CHITRADURGA is still mapped to IFSC PKGB0010923. 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 PKGB0010923 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Vijayanagar,Chitradurga branch is mapped to IFSC PKGB0010923 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 PKGB0010923.

Products and services

Customers walking into the Vijayanagar,Chitradurga 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 PKGB0010923

Digital banking channels

Most day-to-day work that customers used to do at the Vijayanagar,Chitradurga 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 PKGB0010923 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 Vijayanagar,Chitradurga branch sits at THE MANAGER,KARNATAKA GRAMEENA BANK,VIJAYANAGAR,CHITRADURGATOWN,CHITRADURGA DISTRICT. If you are travelling from outside Chitradurga, search for the branch on a maps application using the bank name and locality, or call 8194-223155 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 PKGB0010923 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 – VIJAYANAGAR,CHITRADURGA:

• The IFSC is exactly PKGB0010923 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 VIJAYANAGAR,CHITRADURGA 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 Vijayanagar,Chitradurga branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC PKGB0010923, however, work 24x7.

Verifying IFSC PKGB0010923 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 PKGB0010923 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 8194-223155.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Summary

The IFSC code PKGB0010923 belongs to Karnataka Grameena Bank's VIJAYANAGAR,CHITRADURGA branch, located at THE MANAGER,KARNATAKA GRAMEENA BANK,VIJAYANAGAR,CHITRADURGATOWN,CHITRADURGA… in CHITRADURGA, 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.