IFSC Code of Karnataka Grameena Bank, N.V.Layout Gulbarga Branch, Karnataka

If you are searching for the IFSC code of Karnataka Grameena Bank, N.V.LAYOUT GULBARGA branch in GULBARGA, KARNATAKA, this page has every detail you need. The verified IFSC code for this branch is PKGB0011190. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the N.V.LAYOUT GULBARGA branch, and detailed step-by-step guides for using the IFSC PKGB0011190 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular 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, PKGB0011190 is the IFSC of Karnataka Grameena Bank's N.V.LAYOUT GULBARGA branch. The format is fixed: PKGB = bank code, 0 = reserved, 011190 = 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 N.V.Layout Gulbarga branch in Gulbarga, Karnataka is part of this network and uses the IFSC code PKGB0011190 for all electronic settlement.

Branch details at a glance

About this branch

The branch is located at TQ.GULBARGA DIST.GULBARGA. It serves the Gulbarga 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 PKGB0011190 is used to identify this branch on the RBI payments network.

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 N.V.LAYOUT GULBARGA branch came to be assigned the code PKGB0011190.

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 PKGB0011190, money simply cannot be routed to the N.V.LAYOUT GULBARGA branch electronically.

Account types you can open at the N.V.Layout Gulbarga branch

Once you have an account at Karnataka Grameena Bank – N.V.LAYOUT GULBARGA, the IFSC PKGB0011190 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 N.V.Layout Gulbarga 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 PKGB0011190

How to transfer money using IFSC PKGB0011190

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 PKGB0011190 across all three.

NEFT to Karnataka Grameena Bank, N.V.LAYOUT GULBARGA using IFSC PKGB0011190

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 PKGB0011190, and confirm that the system picks up Karnataka Grameena Bank – N.V.LAYOUT GULBARGA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to N.V.LAYOUT GULBARGA

If you need to transfer ₹2 lakh or more in one go to an account at Karnataka Grameena Bank's N.V.LAYOUT GULBARGA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PKGB0011190 while initiating the transfer and the credit will appear within minutes.

IMPS to Karnataka Grameena Bank N.V.LAYOUT GULBARGA (IFSC PKGB0011190)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PKGB0011190 in your mobile or internet banking app, and the money is credited to the N.V.LAYOUT GULBARGA branch account within seconds.

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

All three modes accept the IFSC PKGB0011190 for Karnataka Grameena Bank – N.V.LAYOUT GULBARGA, 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 N.V.Layout Gulbarga 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.

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 N.V.LAYOUT GULBARGA branch, the IFSC PKGB0011190 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 PKGB0011190

Karnataka Grameena Bank customers can register for net banking and the bank's official mobile app once their account at the N.V.LAYOUT GULBARGA 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 PKGB0011190 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 PKGB0011190 and the account number together uniquely identify the N.V.Layout Gulbarga 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 – N.V.LAYOUT GULBARGA:

• The IFSC is exactly PKGB0011190 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 N.V.LAYOUT GULBARGA 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 N.V.Layout Gulbarga branch sits at TQ.GULBARGA DIST.GULBARGA. If you are travelling from outside Gulbarga, search for the branch on a maps application using the bank name and locality, or call 8472-232371 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 PKGB0011190 and your account number.

Verifying IFSC PKGB0011190 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 PKGB0011190 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 8472-232371.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at N.V.Layout Gulbarga 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 PKGB0011190 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code PKGB0011190 belongs to Karnataka Grameena Bank's N.V.LAYOUT GULBARGA branch, located at TQ.GULBARGA DIST.GULBARGA in GULBARGA, 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.