Karnataka Gramin Bank
SHANKAR MUTT CIRCLE SHIMOGA BRANCH
+918182220866
Understanding IFSC Code: The Digital DNA of Karnataka Gramin Bank
When performing any digital transaction in India, the Indian Financial System Code
(IFSC) acts as a critical identifier. For the SHANKAR MUTT CIRCLE SHIMOGA
branch of Karnataka Gramin Bank, the code PKGB0010925 ensures
that your funds are routed through the Reserve Bank of India's (RBI) structured network without manual
errors. In an era of instant payments, having the correct IFSC is as important as the account number
itself.
Anatomy of the PKGB0010925 Code
An IFSC is an 11-character alphanumeric code. Let's break down the logic behind the code for this specific branch:
Bank Identity
"PKGB" represents Karnataka Gramin Bank
Control Character
Always '0' (Reserved for future use)
Branch Locator
Unique code for SHANKAR MUTT CIRCLE SHIMOGA
Payment Systems Supported by PKGB0010925
| System | Transfer Limit | Processing Time |
|---|---|---|
| NEFT | No Minimum (Up to ₹50 Lakhs+) | Half-hourly batches (24x7) |
| RTGS | Minimum ₹2 Lakhs | Real-time settlement |
| IMPS | Up to ₹5 Lakhs | Instant (Mobile/P2P) |
Why do you need the MICR Code?
While IFSC is for digital transfers, the Magnetic Ink Character Recognition
(MICR) code—577697206—is primarily
used for the processing and clearance of physical cheques. This 9-digit code helps in
identifying the bank and branch during the Cheque Truncation System (CTS) cycle, making clearing
faster and error-free.
Bank Holidays & Availability
The Karnataka Gramin Bank in SHIVAMOGGA typically follows the RBI holiday calendar. Digital transfers via PKGB0010925 for NEFT/RTGS are now available 365 days a year, regardless of physical branch timings or Sunday closures.
Security Warning & Verification
Always verify the branch details before making a large payment. While PKGB0010925 is the valid code for SHANKAR MUTT CIRCLE SHIMOGA at SHIVAMOGGA, ensure the beneficiary name matches perfectly in your mobile banking app.
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Branch Context
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Platform Links
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