IFSC Code of Karnataka Grameena Bank, Jayanagar Kolar Branch, Karnataka

Below are the complete branch details for Karnataka Grameena Bank, JAYANAGAR KOLAR branch, located in KOLAR, KARNATAKA. The IFSC assigned by the Reserve Bank of India to this branch is PKGB0011202. 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 PKGB0011202 for Karnataka Grameena Bank – JAYANAGAR KOLAR — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for Karnataka Grameena Bank – JAYANAGAR KOLAR is PKGB0011202. The first four letters PKGB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 011202 map to this branch in KOLAR, KARNATAKA.

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 Jayanagar Kolar branch in Kolar, Karnataka is part of this network and uses the IFSC code PKGB0011202 for all electronic settlement.

About the Jayanagar Kolar branch

The Jayanagar Kolar branch of Karnataka Grameena Bank is situated at 7TH CROSS B BLOCK KOLAR TQ KOLAR DT KOLAR PIN CODE 563101. 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 PKGB0011202 is used.

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 JAYANAGAR KOLAR branch came to be assigned the code PKGB0011202.

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 PKGB0011202, money simply cannot be routed to the JAYANAGAR KOLAR branch electronically.

How to transfer money using IFSC PKGB0011202

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 PKGB0011202 across all three.

NEFT to Karnataka Grameena Bank, JAYANAGAR KOLAR using IFSC PKGB0011202

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 PKGB0011202, and confirm that the system picks up Karnataka Grameena Bank – JAYANAGAR KOLAR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to JAYANAGAR KOLAR

If you need to transfer ₹2 lakh or more in one go to an account at Karnataka Grameena Bank's JAYANAGAR KOLAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PKGB0011202 while initiating the transfer and the credit will appear within minutes.

IMPS to Karnataka Grameena Bank JAYANAGAR KOLAR (IFSC PKGB0011202)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PKGB0011202 in your mobile or internet banking app, and the money is credited to the JAYANAGAR KOLAR branch account within seconds.

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

All three modes accept the IFSC PKGB0011202 for Karnataka Grameena Bank – JAYANAGAR KOLAR, 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 Jayanagar Kolar 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 PKGB0011202

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 – JAYANAGAR KOLAR is still mapped to IFSC PKGB0011202. 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 PKGB0011202 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Jayanagar Kolar branch is mapped to IFSC PKGB0011202 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 PKGB0011202.

Products and services

Customers walking into the Jayanagar Kolar 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 PKGB0011202

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 PKGB0011202 and the account number together uniquely identify the Jayanagar Kolar 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 Jayanagar Kolar 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 PKGB0011202 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.

Common mistakes to avoid when using IFSC PKGB0011202

An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to Karnataka Grameena Bank – JAYANAGAR KOLAR, double-check for these issues:

• Confusing 0 with O. The fifth character of every IFSC is the digit 0, not the letter O. Read carefully.
• Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters: PKGB0011202.
• Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
• Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
• Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.

Reaching the branch

The Jayanagar Kolar branch sits at 7TH CROSS B BLOCK KOLAR TQ KOLAR DT KOLAR PIN CODE 563101. If you are travelling from outside Kolar, search for the branch on a maps application using the bank name and locality, or call 8194-234215 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 PKGB0011202 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC PKGB0011202 for Karnataka Grameena Bank – JAYANAGAR KOLAR, 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.

Working hours

Branch counters at Jayanagar Kolar 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 PKGB0011202 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code PKGB0011202 belongs to Karnataka Grameena Bank's JAYANAGAR KOLAR branch, located at 7TH CROSS B BLOCK KOLAR TQ KOLAR DT KOLAR PIN CODE 563101 in KOLAR, 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.