IFSC Code of Karnataka Grameena Bank, Thonachikoppalu Layout Branch, Karnataka

If you are searching for the IFSC code of Karnataka Grameena Bank, THONACHIKOPPALU LAYOUT branch in MYSORE, KARNATAKA, this page has every detail you need. The verified IFSC code for this branch is PKGB0012130. 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 THONACHIKOPPALU LAYOUT branch, and detailed step-by-step guides for using the IFSC PKGB0012130 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 THONACHIKOPPALU LAYOUT branch, the IFSC PKGB0012130 breaks down as follows: PKGB identifies the bank, 0 is the reserved character, and 012130 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 Thonachikoppalu Layout branch in Mysore, Karnataka is part of this network and uses the IFSC code PKGB0012130 for all electronic settlement.

About this branch

The branch is located at 446 NEW KANTHA RAJA URS ROAD T K LAYOUT MYSURU TALUK MYSURU DISTRICT. It serves the Mysore 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 PKGB0012130 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 THONACHIKOPPALU LAYOUT branch came to be assigned the code PKGB0012130.

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 PKGB0012130, money simply cannot be routed to the THONACHIKOPPALU LAYOUT branch electronically.

How to transfer money using IFSC PKGB0012130

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 PKGB0012130 across all three.

NEFT to Karnataka Grameena Bank, THONACHIKOPPALU LAYOUT using IFSC PKGB0012130

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 PKGB0012130, and confirm that the system picks up Karnataka Grameena Bank – THONACHIKOPPALU LAYOUT. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC PKGB0012130

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 – THONACHIKOPPALU LAYOUT, ensure your bank's portal accepts IFSC PKGB0012130 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Karnataka Grameena Bank THONACHIKOPPALU LAYOUT (IFSC PKGB0012130)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PKGB0012130 in your mobile or internet banking app, and the money is credited to the THONACHIKOPPALU LAYOUT branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Thonachikoppalu 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 PKGB0012130:

• 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 THONACHIKOPPALU LAYOUT is still linked to IFSC PKGB0012130.

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.

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 THONACHIKOPPALU LAYOUT branch, the IFSC PKGB0012130 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 Thonachikoppalu Layout branch is mapped to IFSC PKGB0012130 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 PKGB0012130.

Banking services available

The Thonachikoppalu Layout branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 8212469527.

• 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 PKGB0012130

MICR & cheque-truncation details

Cheques drawn on the Thonachikoppalu Layout branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PKGB0012130 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Digital banking channels

Most day-to-day work that customers used to do at the Thonachikoppalu Layout 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 PKGB0012130 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 – THONACHIKOPPALU LAYOUT:

• The IFSC is exactly PKGB0012130 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 THONACHIKOPPALU 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.

How to reach the Thonachikoppalu Layout branch

The branch is located at 446 NEW KANTHA RAJA URS ROAD T K LAYOUT MYSURU TALUK MYSURU DISTRICT, which puts it inside Mysore, the broader Mysore district, and the state of Karnataka. To plan your visit:

1. Open Google Maps on your phone and search for “Karnataka Grameena Bank Thonachikoppalu Layout branch” — the verified location pin for IFSC PKGB0012130 should appear at the top of the results.
2. Confirm the branch is open by calling 8212469527 before stepping out, especially around public holidays.
3. Carry photo ID and any account-related documents you may need for the transaction you plan to do.

Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC PKGB0012130 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC PKGB0012130 for Karnataka Grameena Bank – THONACHIKOPPALU LAYOUT, 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 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 Thonachikoppalu Layout branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC PKGB0012130, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code PKGB0012130 belongs to Karnataka Grameena Bank's THONACHIKOPPALU LAYOUT branch, located at 446 NEW KANTHA RAJA URS ROAD T K LAYOUT MYSURU TALUK MYSURU DISTRICT in MYSORE, 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.