Use this page as a one-stop reference for everything related to Karnataka Grameena Bank's K.C.LAYOUT branch in MYSORE, KARNATAKA. The branch's IFSC code PKGB0012437 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 K.C.LAYOUT branch, the IFSC PKGB0012437 breaks down as follows: PKGB identifies the bank, 0 is the reserved character, and 012437 identifies this particular branch.
Branch details at a glance
| Bank Name | Karnataka Grameena Bank |
|---|---|
| Branch | K.C.Layout |
| IFSC Code | PKGB0012437 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 212 MAIN ROAD MYSURU TALUK MYSURU DISTRICT |
| City | Mysore |
| District | Mysore |
| State | Karnataka |
| STD Code | 0 |
| Phone | 8212469596 |
Bank profile
Karnataka Grameena Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The K.C.Layout branch — IFSC PKGB0012437 — extends the bank's services to customers in and around Mysore, Karnataka.
About the K.C.Layout branch
The K.C.Layout branch of Karnataka Grameena Bank is situated at 212 MAIN ROAD MYSURU TALUK MYSURU DISTRICT. 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 PKGB0012437 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 K.C.LAYOUT of Karnataka Grameena Bank — its own 11-character IFSC. The code PKGB0012437 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 PKGB0012437 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 PKGB0012437
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 PKGB0012437 across all three.
NEFT to Karnataka Grameena Bank, K.C.LAYOUT using IFSC PKGB0012437
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 PKGB0012437, and confirm that the system picks up Karnataka Grameena Bank – K.C.LAYOUT. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC PKGB0012437
RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to Karnataka Grameena Bank – K.C.LAYOUT, ensure your bank's portal accepts IFSC PKGB0012437 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Karnataka Grameena Bank – K.C.LAYOUT, use IMPS. With IFSC PKGB0012437 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 K.C.Layout
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 PKGB0012437:
- 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 K.C.LAYOUT is still linked to IFSC PKGB0012437.
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 PKGB0012437
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 – K.C.LAYOUT is still mapped to IFSC PKGB0012437. 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 PKGB0012437 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the K.C.Layout branch is mapped to IFSC PKGB0012437 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 PKGB0012437.
Banking services available
The K.C.Layout branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 8212469596.
- 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 PKGB0012437
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 PKGB0012437 and the account number together uniquely identify the K.C.Layout branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC PKGB0012437
Karnataka Grameena Bank customers can register for net banking and the bank's official mobile app once their account at the K.C.LAYOUT 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 PKGB0012437 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.
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 – K.C.LAYOUT:
- The IFSC is exactly PKGB0012437 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 K.C.LAYOUT 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 K.C.Layout branch sits at 212 MAIN ROAD MYSURU TALUK MYSURU DISTRICT. If you are travelling from outside Mysore, search for the branch on a maps application using the bank name and locality, or call 8212469596 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 PKGB0012437 and your account number.
Verifying IFSC PKGB0012437 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 PKGB0012437 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 8212469596.
- 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 K.C.Layout branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC PKGB0012437, however, work 24x7.
Branch address & contact
Karnataka Grameena BankK.C.Layout Branch
212 MAIN ROAD MYSURU TALUK MYSURU DISTRICT
Mysore, Karnataka
Phone: 8212469596
IFSC: PKGB0012437
Frequently asked questions
Does Karnataka Grameena Bank K.C.Layout branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 8212469596 to confirm.
Where is Karnataka Grameena Bank K.C.Layout branch located?
Karnataka Grameena Bank's K.C.Layout branch is located at 212 MAIN ROAD MYSURU TALUK MYSURU DISTRICT, Mysore, Karnataka.
Is IFSC PKGB0012437 valid for NEFT and RTGS?
Yes. IFSC PKGB0012437 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the phone number of Karnataka Grameena Bank K.C.Layout branch?
You can reach the branch at 8212469596 during regular banking hours.
How do I add Karnataka Grameena Bank K.C.Layout as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC PKGB0012437, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using PKGB0012437 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Karnataka Grameena Bank – K.C.Layout reflect within 30 minutes.
Is IFSC PKGB0012437 the same for all accounts at K.C.Layout branch?
Yes. The IFSC PKGB0012437 is shared by every account held at Karnataka Grameena Bank's K.C.Layout branch. Only the account number changes from customer to customer.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the K.C.Layout branch but serve different purposes.
Final notes
To recap: PKGB0012437 is the IFSC code of Karnataka Grameena Bank, K.C.LAYOUT branch, in MYSORE, KARNATAKA. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.
