IFSC Code of Karnataka Grameena Bank, Koujalagi Branch, Karnataka

Use this page as a one-stop reference for everything related to Karnataka Grameena Bank's KOUJALAGI branch in KOUJALAGI, KARNATAKA. The branch's IFSC code PKGB0013131 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

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 KOUJALAGI branch, the IFSC PKGB0013131 breaks down as follows: PKGB identifies the bank, 0 is the reserved character, and 013131 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 Koujalagi branch — IFSC PKGB0013131 — extends the bank's services to customers in and around Koujalagi, Karnataka.

About this branch

The branch is located at GOKAK TQ,BELAGAVI DIST. It serves the Koujalagi 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 PKGB0013131 is used to identify this branch on the RBI payments network.

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 KOUJALAGI branch came to be assigned the code PKGB0013131.

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 PKGB0013131, money simply cannot be routed to the KOUJALAGI branch electronically.

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 PKGB0013131 and the account number together uniquely identify the Koujalagi branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC PKGB0013131

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 PKGB0013131 across all three.

How to use IFSC PKGB0013131 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Karnataka Grameena Bank's KOUJALAGI 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 PKGB0013131.
4. Confirm the bank name auto-populates as Karnataka Grameena Bank and the branch as KOUJALAGI.
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 KOUJALAGI

If you need to transfer ₹2 lakh or more in one go to an account at Karnataka Grameena Bank's KOUJALAGI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PKGB0013131 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 – KOUJALAGI, use IMPS. With IFSC PKGB0013131 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 PKGB0013131 for Karnataka Grameena Bank – KOUJALAGI, 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 Koujalagi 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 KOUJALAGI branch, the IFSC PKGB0013131 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.

Products and account variants supported

Every account opened at the Koujalagi branch is mapped to IFSC PKGB0013131 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 PKGB0013131.

Banking services available

The Koujalagi branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 8334-9480699326.

• 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 PKGB0013131

Online banking and IFSC PKGB0013131

Karnataka Grameena Bank customers can register for net banking and the bank's official mobile app once their account at the KOUJALAGI 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 PKGB0013131 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.

Reaching the branch

The Koujalagi branch sits at GOKAK TQ,BELAGAVI DIST. If you are travelling from outside Koujalagi, search for the branch on a maps application using the bank name and locality, or call 8334-9480699326 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 PKGB0013131 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 – KOUJALAGI:

• The IFSC is exactly PKGB0013131 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 KOUJALAGI 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.

Working hours

Branch counters at Koujalagi 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 PKGB0013131 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC PKGB0013131 for Karnataka Grameena Bank – KOUJALAGI, 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 address & contact

Frequently asked questions

Summary

The IFSC code PKGB0013131 belongs to Karnataka Grameena Bank's KOUJALAGI branch, located at GOKAK TQ,BELAGAVI DIST in KOUJALAGI, 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.