IFSC Code of Karnataka Grameena Bank, Moratagi Branch, Karnataka

This page lists the IFSC code, branch address, contact number and fund-transfer information for Karnataka Grameena Bank, MORATAGI branch in MORATAGI. The 11-digit IFSC PKGB0013528 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Karnataka Grameena Bank at the MORATAGI location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.

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 – MORATAGI is PKGB0013528. The first four letters PKGB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 013528 map to this branch in MORATAGI, 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 Moratagi branch in Moratagi, Karnataka is part of this network and uses the IFSC code PKGB0013528 for all electronic settlement.

About this branch

The branch is located at SINDGI TQ,VIJAYAPURA DIST. It serves the Moratagi 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 PKGB0013528 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 MORATAGI branch came to be assigned the code PKGB0013528.

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 PKGB0013528, money simply cannot be routed to the MORATAGI branch electronically.

How to transfer money using IFSC PKGB0013528

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 PKGB0013528 across all three.

NEFT to Karnataka Grameena Bank, MORATAGI using IFSC PKGB0013528

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 PKGB0013528, and confirm that the system picks up Karnataka Grameena Bank – MORATAGI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to MORATAGI

If you need to transfer ₹2 lakh or more in one go to an account at Karnataka Grameena Bank's MORATAGI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PKGB0013528 while initiating the transfer and the credit will appear within minutes.

IMPS to Karnataka Grameena Bank MORATAGI (IFSC PKGB0013528)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PKGB0013528 in your mobile or internet banking app, and the money is credited to the MORATAGI branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Moratagi

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 PKGB0013528:

• 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 MORATAGI is still linked to IFSC PKGB0013528.

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 PKGB0013528

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 – MORATAGI is still mapped to IFSC PKGB0013528. 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 PKGB0013528 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Moratagi branch is mapped to IFSC PKGB0013528 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 PKGB0013528.

Products and services

Customers walking into the Moratagi 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 PKGB0013528

MICR & cheque-truncation details

Cheques drawn on the Moratagi branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PKGB0013528 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC PKGB0013528

Karnataka Grameena Bank customers can register for net banking and the bank's official mobile app once their account at the MORATAGI 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 PKGB0013528 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.

Common mistakes to avoid when using IFSC PKGB0013528

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 – MORATAGI, 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: PKGB0013528.
• 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 Moratagi branch sits at SINDGI TQ,VIJAYAPURA DIST. If you are travelling from outside Moratagi, search for the branch on a maps application using the bank name and locality, or call 8378-9480699647 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 PKGB0013528 and your account number.

Verifying IFSC PKGB0013528 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 PKGB0013528 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 8378-9480699647.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Moratagi 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 PKGB0013528 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code PKGB0013528 belongs to Karnataka Grameena Bank's MORATAGI branch, located at SINDGI TQ,VIJAYAPURA DIST in MORATAGI, 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.