IFSC Code of Karnataka Grameena Bank, Ghalagi Hulkoppa Branch, Karnataka

Below are the complete branch details for Karnataka Grameena Bank, GHALAGI HULKOPPA branch, located in GHALAGI HULKOP, KARNATAKA. The IFSC assigned by the Reserve Bank of India to this branch is PKGB0013143. 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 PKGB0013143 for Karnataka Grameena Bank – GHALAGI HULKOPPA — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 GHALAGI HULKOPPA branch, the IFSC PKGB0013143 breaks down as follows: PKGB identifies the bank, 0 is the reserved character, and 013143 identifies this particular branch.

Bank profile

Karnataka Grameena Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Ghalagi Hulkoppa branch — IFSC PKGB0013143 — extends the bank's services to customers in and around Ghalagi Hulkop, Karnataka.

Branch details at a glance

About this branch

The branch is located at KALGHATGI TQ,DHARWAD DIST. It serves the Ghalagi Hulkop 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 PKGB0013143 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 GHALAGI HULKOPPA of Karnataka Grameena Bank — its own 11-character IFSC. The code PKGB0013143 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 PKGB0013143 the same way you would treat your account number — verify it once and save it carefully for future use.

Account types you can open at the Ghalagi Hulkoppa branch

Once you have an account at Karnataka Grameena Bank – GHALAGI HULKOPPA, the IFSC PKGB0013143 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 Ghalagi Hulkoppa 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 PKGB0013143

How to transfer money using IFSC PKGB0013143

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 PKGB0013143 across all three.

How to use IFSC PKGB0013143 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Karnataka Grameena Bank's GHALAGI HULKOPPA 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 PKGB0013143.
4. Confirm the bank name auto-populates as Karnataka Grameena Bank and the branch as GHALAGI HULKOPPA.
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 GHALAGI HULKOPPA

If you need to transfer ₹2 lakh or more in one go to an account at Karnataka Grameena Bank's GHALAGI HULKOPPA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PKGB0013143 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 – GHALAGI HULKOPPA, use IMPS. With IFSC PKGB0013143 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 Ghalagi Hulkoppa

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 PKGB0013143:

• 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 GHALAGI HULKOPPA is still linked to IFSC PKGB0013143.

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 GHALAGI HULKOPPA branch, the IFSC PKGB0013143 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.

Online banking and IFSC PKGB0013143

Karnataka Grameena Bank customers can register for net banking and the bank's official mobile app once their account at the GHALAGI HULKOPPA 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 PKGB0013143 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.

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by Karnataka Grameena Bank carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC PKGB0013143 and the account number together uniquely identify the Ghalagi Hulkoppa branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – GHALAGI HULKOPPA:

• The IFSC is exactly PKGB0013143 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 GHALAGI HULKOPPA 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 Ghalagi Hulkoppa branch

The branch is located at KALGHATGI TQ,DHARWAD DIST, which puts it inside Ghalagi Hulkop, the broader Dharwad district, and the state of Karnataka. To plan your visit:

1. Open Google Maps on your phone and search for “Karnataka Grameena Bank Ghalagi Hulkoppa branch” — the verified location pin for IFSC PKGB0013143 should appear at the top of the results.
2. Confirm the branch is open by calling 8378-9480699111 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 PKGB0013143 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC PKGB0013143 for Karnataka Grameena Bank – GHALAGI HULKOPPA, 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 Ghalagi Hulkoppa branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC PKGB0013143, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code PKGB0013143 belongs to Karnataka Grameena Bank's GHALAGI HULKOPPA branch, located at KALGHATGI TQ,DHARWAD DIST in GHALAGI HULKOP, 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.