IFSC Code of Karnataka Grameena Bank, Neelagunda Branch, Karnataka

If you are searching for the IFSC code of Karnataka Grameena Bank, NEELAGUNDA branch in HARAPANAHALLY, KARNATAKA, this page has every detail you need. The verified IFSC code for this branch is PKGB0010770. 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 NEELAGUNDA branch, and detailed step-by-step guides for using the IFSC PKGB0010770 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.

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 NEELAGUNDA branch, the IFSC PKGB0010770 breaks down as follows: PKGB identifies the bank, 0 is the reserved character, and 010770 identifies this particular branch.

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 Neelagunda branch in Harapanahally, Karnataka is part of this network and uses the IFSC code PKGB0010770 for all electronic settlement.

About the Neelagunda branch

The Neelagunda branch of Karnataka Grameena Bank is situated at THE MANAGER,KARNATAKA GRAMEENA BANK,NEELAGUNDA BRANCH,HARAPANAHALLI TALUK,DAVANAGERE DISTRICT, PIN583 213,. 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 PKGB0010770 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 NEELAGUNDA of Karnataka Grameena Bank — its own 11-character IFSC. The code PKGB0010770 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 PKGB0010770 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 PKGB0010770

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 PKGB0010770 across all three.

NEFT to Karnataka Grameena Bank, NEELAGUNDA using IFSC PKGB0010770

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 PKGB0010770, and confirm that the system picks up Karnataka Grameena Bank – NEELAGUNDA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to NEELAGUNDA

If you need to transfer ₹2 lakh or more in one go to an account at Karnataka Grameena Bank's NEELAGUNDA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PKGB0010770 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 – NEELAGUNDA, use IMPS. With IFSC PKGB0010770 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 Neelagunda

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 PKGB0010770:

• 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 NEELAGUNDA is still linked to IFSC PKGB0010770.

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 PKGB0010770

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 – NEELAGUNDA is still mapped to IFSC PKGB0010770. 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 PKGB0010770 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Neelagunda branch is mapped to IFSC PKGB0010770 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 PKGB0010770.

Banking services available

The Neelagunda branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 8398-262155.

• 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 PKGB0010770

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 PKGB0010770 and the account number together uniquely identify the Neelagunda branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Digital banking channels

Most day-to-day work that customers used to do at the Neelagunda 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 PKGB0010770 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.

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 – NEELAGUNDA:

• The IFSC is exactly PKGB0010770 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 NEELAGUNDA 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 Neelagunda branch sits at THE MANAGER,KARNATAKA GRAMEENA BANK,NEELAGUNDA BRANCH,HARAPANAHALLI TALUK,DAVANAGERE DISTRICT, PIN583 213,. If you are travelling from outside Harapanahally, search for the branch on a maps application using the bank name and locality, or call 8398-262155 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 PKGB0010770 and your account number.

Verifying IFSC PKGB0010770 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 PKGB0010770 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 8398-262155.
• Visiting the bank's official branch locator page.

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 Neelagunda branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC PKGB0010770, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code PKGB0010770 belongs to Karnataka Grameena Bank's NEELAGUNDA branch, located at THE MANAGER,KARNATAKA GRAMEENA BANK,NEELAGUNDA BRANCH,HARAPANAHALLI… in HARAPANAHALLY, 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.