IFSC Code of Karnataka Grameena Bank, Vijayanagar Fourth Stage Branch, Karnataka

If you are searching for the IFSC code of Karnataka Grameena Bank, VIJAYANAGAR FOURTH STAGE branch in MYSURU, KARNATAKA, this page has every detail you need. The verified IFSC code for this branch is PKGB0012512. 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 VIJAYANAGAR FOURTH STAGE branch, and detailed step-by-step guides for using the IFSC PKGB0012512 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.

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 – VIJAYANAGAR FOURTH STAGE is PKGB0012512. The first four letters PKGB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 012512 map to this branch in MYSURU, 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 Vijayanagar Fourth Stage branch in Mysuru, Karnataka is part of this network and uses the IFSC code PKGB0012512 for all electronic settlement.

Vijayanagar Fourth Stage branch overview

Located at 475, SUVARNA GIRI NILAYA, 1ST PHASE, VIJAYANAGAR 4TH STAGE, MYSURU, MYSURU DISTRICT-570030, the Vijayanagar Fourth Stage branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC PKGB0012512 is required for all interbank electronic transfers routed through this branch.

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 VIJAYANAGAR FOURTH STAGE of Karnataka Grameena Bank — its own 11-character IFSC. The code PKGB0012512 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 PKGB0012512 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 PKGB0012512

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 PKGB0012512 across all three.

How to use IFSC PKGB0012512 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Karnataka Grameena Bank's VIJAYANAGAR FOURTH STAGE 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 PKGB0012512.
4. Confirm the bank name auto-populates as Karnataka Grameena Bank and the branch as VIJAYANAGAR FOURTH STAGE.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC PKGB0012512

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 – VIJAYANAGAR FOURTH STAGE, ensure your bank's portal accepts IFSC PKGB0012512 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Karnataka Grameena Bank – VIJAYANAGAR FOURTH STAGE, use IMPS. With IFSC PKGB0012512 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 Vijayanagar Fourth Stage

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 PKGB0012512:

• 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 VIJAYANAGAR FOURTH STAGE is still linked to IFSC PKGB0012512.

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 PKGB0012512

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 – VIJAYANAGAR FOURTH STAGE is still mapped to IFSC PKGB0012512. 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 PKGB0012512 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Vijayanagar Fourth Stage branch is mapped to IFSC PKGB0012512 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 PKGB0012512.

Banking services available

The Vijayanagar Fourth Stage branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 821-2469597.

• 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 PKGB0012512

MICR & cheque-truncation details

Cheques drawn on the Vijayanagar Fourth Stage branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC PKGB0012512 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC PKGB0012512

Karnataka Grameena Bank customers can register for net banking and the bank's official mobile app once their account at the VIJAYANAGAR FOURTH STAGE 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 PKGB0012512 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 – VIJAYANAGAR FOURTH STAGE:

• The IFSC is exactly PKGB0012512 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 VIJAYANAGAR FOURTH STAGE 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 Vijayanagar Fourth Stage branch

The branch is located at 475, SUVARNA GIRI NILAYA, 1ST PHASE, VIJAYANAGAR 4TH STAGE, MYSURU, MYSURU DISTRICT-570030, which puts it inside Mysuru, the broader Mysuru district, and the state of Karnataka. To plan your visit:

1. Open Google Maps on your phone and search for “Karnataka Grameena Bank Vijayanagar Fourth Stage branch” — the verified location pin for IFSC PKGB0012512 should appear at the top of the results.
2. Confirm the branch is open by calling 821-2469597 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 PKGB0012512 and your account number.

Verifying IFSC PKGB0012512 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 PKGB0012512 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 821-2469597.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Vijayanagar Fourth Stage 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 PKGB0012512 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code PKGB0012512 belongs to Karnataka Grameena Bank's VIJAYANAGAR FOURTH STAGE branch, located at 475, SUVARNA GIRI NILAYA, 1ST PHASE, VIJAYANAGAR 4TH STAGE, MYSURU, MYSURU… in MYSURU, 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.