IFSC Code KARB0000640 - Karnataka Bank Limited Payyannur
FIRST FLOOR CITY TOWER NEW BUS STAND ROAD NEW PAYYANNUR MUNCIPALITY PAYYANNUR-670307
Quick Info
IFSC: KARB0000640
Pincode: 670307
District: Kannur
Status: Active
About Karnataka Bank Limited Payyannur
IFSC Code KARB0000640 belongs to Karnataka Bank Limited Payyannur branch located in Payyannur, Kannur, Kerala. This branch serves customers in Payyannur, Kannur, Kerala and surrounding areas.
Understanding IFSC Code KARB0000640
The IFSC (Indian Financial System Code) KARB0000640 is an 11-character alphanumeric code assigned by the Reserve Bank of India (RBI) to uniquely identify this specific bank branch. The code structure follows a specific format:
- First 4 characters (KARB): Bank code identifying Karnataka Bank Limited
- 5th character (0): Reserved for future use (always 0)
- Last 6 characters (000640): Unique branch identifier for Payyannur
Electronic Fund Transfer Services
IFSC Code KARB0000640 is essential for all electronic fund transfers in India. This code ensures that money transfers are routed to the correct bank branch. The following payment systems use IFSC codes:
NEFT (National Electronic Funds Transfer)
Batch processing system for fund transfers. Available Yes at this branch.
Processing: Multiple batches daily, typically settles within 2 hours during banking hours.
RTGS (Real Time Gross Settlement)
Real-time fund transfer for high-value transactions (minimum ₹2 lakh). Available Yes at this branch.
Processing: Real-time settlement, typically within minutes during RTGS hours.
IMPS (Immediate Payment Service)
24/7 instant fund transfer service via mobile or internet banking. Available Yes at this branch.
Processing: Instant transfer, available 24/7 including holidays.
UPI (Unified Payments Interface)
Instant mobile payment system using UPI ID or QR code. Available Yes at this branch.
Processing: Instant transfer, available 24/7, no IFSC code needed for UPI transactions.
Branch Location and Accessibility
The Karnataka Bank Limited Payyannur branch is located at FIRST FLOOR CITY TOWER NEW BUS STAND ROAD NEW PAYYANNUR MUNCIPALITY PAYYANNUR-670307 (Pincode: 670307) in Payyannur, Kannur, Kerala. This location serves customers in Payyannur, Kannur, Kerala and nearby areas. When initiating any electronic fund transfer to an account held at this branch, you must use IFSC Code KARB0000640 to ensure the transaction is routed correctly.
How to Use IFSC Code KARB0000640
When making online fund transfers to an account at this branch, you will need:
- IFSC Code: KARB0000640 (for NEFT, RTGS, IMPS)
- Account Number: The recipient's account number
- Account Holder Name: As registered with the bank
Finding Other Karnataka Bank Limited Branches
If you're looking for other Karnataka Bank Limited branches in Payyannur, Kannur, Kerala or nearby areas, use our Karnataka Bank Limited branch finder. You can search by city, district, or state to find all Karnataka Bank Limited branches with their respective IFSC codes.
Branch Details
| IFSC Code: | KARB0000640 |
| Bank Name: | Karnataka Bank Limited |
| Branch Name: | Payyannur |
| Address: | FIRST FLOOR CITY TOWER NEW BUS STAND ROAD NEW PAYYANNUR MUNCIPALITY PAYYANNUR-670307 |
| City: | Payyannur |
| District: | Kannur |
| State: | Kerala |
| Pincode: | 670307 |
Payment Services Available
Karnataka Bank Limited Payyannur Branch IFSC Code KARB0000640 — Complete Banking Guide for Payyannur, Kerala
IFSC code KARB0000640 belongs to the Payyannur branch of Karnataka Bank Limited in Payyannur, Kannur district, Kerala. This 11-character code, assigned by the Reserve Bank of India, is mandatory for all digital fund transfers — NEFT, RTGS, IMPS, and UPI. Every payment initiated to an account at this branch must include IFSC KARB0000640 to ensure accurate routing through India's centralised payment infrastructure. Providing an incorrect IFSC may delay or fail the transaction, so always verify the code before confirming any transfer.
About Karnataka Bank Limited, Payyannur Branch
The Payyannur branch of Karnataka Bank Limited in Payyannur, Kerala serves retail and corporate customers in Kannur district with a full range of banking products. Services typically include savings and current accounts, fixed and recurring deposits, personal and home loans, vehicle finance, trade finance, locker facilities, and wealth management. The branch also supports digital banking — internet banking, mobile banking, UPI, and contactless debit/credit card issuance. Its IFSC KARB0000640 is the key identifier for all fund transfers routed to accounts at this location through RBI's payment systems.
Payment Methods Using IFSC KARB0000640
Four primary digital payment rails use IFSC KARB0000640 for transfers to Karnataka Bank Limited, Payyannur: NEFT — batch-based, 48 half-hourly settlements daily, no minimum amount, ideal for regular transfers; RTGS — real-time, 24×7, minimum ₹2 lakh, used for high-value transactions; IMPS — instant, 24×7, up to ₹5 lakh, best for urgent transfers; UPI — uses Virtual Payment Address (VPA) linked to accounts at this branch, instant and zero-cost for most transactions. For each method, the sender's bank verifies IFSC KARB0000640 against the RBI IFSC master list before processing the payment.
MICR Code and Branch Details
In addition to the IFSC, the Payyannur branch of Karnataka Bank Limited in Payyannur carries a MICR (Magnetic Ink Character Recognition) code — a 9-digit number printed on cheques that identifies the bank, city, and branch for cheque clearing through the MICR-based clearing system. While NEFT/RTGS/IMPS use the IFSC KARB0000640 exclusively for electronic transfers, MICR remains relevant for paper-based cheque processing. Both codes are listed on this page for complete branch reference.
How to Verify IFSC KARB0000640 Before Transferring
Before initiating any high-value transfer to IFSC KARB0000640, verify the code through: (1) the RBI's official IFSC repository at rbi.org.in; (2) Karnataka Bank Limited's official website branch locator; (3) MahaFind's IFSC lookup — the page you are currently viewing. Cross-reference the branch address and bank name displayed here against the details provided by your recipient to confirm accuracy. A mismatch in even one character of the IFSC can reroute your transfer to a different branch entirely.
FAQs — Karnataka Bank Limited Payyannur, Payyannur IFSC
What is the IFSC of Karnataka Bank Limited Payyannur in Payyannur?
The IFSC of Karnataka Bank Limited, Payyannur branch in Payyannur, Kerala is KARB0000640. Use this for NEFT, RTGS, IMPS, and UPI transfers to any account at this branch.
What is the minimum amount for NEFT to IFSC KARB0000640?
There is no minimum amount for NEFT transfers. You can send as little as ₹1. RTGS requires a minimum of ₹2 lakh. IMPS supports up to ₹5 lakh per transaction. All three use IFSC KARB0000640 to route funds to Karnataka Bank Limited, Payyannur, Payyannur.
Who assigns IFSC codes like KARB0000640?
The Reserve Bank of India (RBI) assigns all IFSC codes in India. Karnataka Bank Limited applied for the IFSC for its Payyannur branch in Payyannur, and RBI issued KARB0000640 as the unique identifier. The complete list of valid IFSCs is maintained in RBI's IFSC master directory.
Can I use IFSC KARB0000640 for UPI payments?
UPI payments are linked to a Virtual Payment Address (VPA) rather than an IFSC directly, but the underlying account is mapped to IFSC KARB0000640 at Karnataka Bank Limited, Payyannur, Payyannur. When sending money via NEFT/RTGS/IMPS to this branch's account holders, always use IFSC KARB0000640.
About IFSC Code KARB0000640
IFSC Code KARB0000640 belongs to Karnataka Bank Limited branch Payyannur located in Payyannur, Kannur, Kerala.
Branch Information
- IFSC Code: KARB0000640
- Bank: Karnataka Bank Limited
- Branch: Payyannur
- Address: FIRST FLOOR CITY TOWER NEW BUS STAND ROAD NEW PAYYANNUR MUNCIPALITY PAYYANNUR-670307
- City: Payyannur
- District: Kannur
- State: Kerala
- Pincode: 670307
Payment Services
- NEFT: Available
- RTGS: Available
- IMPS: Available
- UPI: Available