IFSC Code of Karnataka Grameena Bank, Nalatwad Branch, Karnataka

Use this page as a one-stop reference for everything related to Karnataka Grameena Bank's NALATWAD branch in NALATWAD, KARNATAKA. The branch's IFSC code PKGB0013639 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 NALATWAD branch, the IFSC PKGB0013639 breaks down as follows: PKGB identifies the bank, 0 is the reserved character, and 013639 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 Nalatwad branch — IFSC PKGB0013639 — extends the bank's services to customers in and around Nalatwad, Karnataka.

About this branch

The branch is located at MUDDEBIHAL TQ,VIJAYAPURA DIST. It serves the Nalatwad 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 PKGB0013639 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 NALATWAD branch came to be assigned the code PKGB0013639.

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 PKGB0013639, money simply cannot be routed to the NALATWAD 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 PKGB0013639 and the account number together uniquely identify the Nalatwad branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC PKGB0013639

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 PKGB0013639 across all three.

NEFT to Karnataka Grameena Bank, NALATWAD using IFSC PKGB0013639

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 PKGB0013639, and confirm that the system picks up Karnataka Grameena Bank – NALATWAD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC PKGB0013639

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 – NALATWAD, ensure your bank's portal accepts IFSC PKGB0013639 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Karnataka Grameena Bank NALATWAD (IFSC PKGB0013639)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PKGB0013639 in your mobile or internet banking app, and the money is credited to the NALATWAD branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Nalatwad

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 PKGB0013639:

• 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 NALATWAD is still linked to IFSC PKGB0013639.

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 NALATWAD branch, the IFSC PKGB0013639 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 Nalatwad branch is mapped to IFSC PKGB0013639 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 PKGB0013639.

Products and services

Customers walking into the Nalatwad 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 PKGB0013639

Online banking and IFSC PKGB0013639

Karnataka Grameena Bank customers can register for net banking and the bank's official mobile app once their account at the NALATWAD 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 PKGB0013639 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 Nalatwad branch sits at MUDDEBIHAL TQ,VIJAYAPURA DIST. If you are travelling from outside Nalatwad, search for the branch on a maps application using the bank name and locality, or call 8378-9606080483 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 PKGB0013639 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 – NALATWAD:

• The IFSC is exactly PKGB0013639 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 NALATWAD 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 Nalatwad 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 PKGB0013639 continue to work without interruption.

Verifying IFSC PKGB0013639 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 PKGB0013639 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 8378-9606080483.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Summary

The IFSC code PKGB0013639 belongs to Karnataka Grameena Bank's NALATWAD branch, located at MUDDEBIHAL TQ,VIJAYAPURA DIST in NALATWAD, 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.