Karnataka Gramin Bank
SAGAR-GANDHINAGAR BRANCH
+918483279904
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 SAGAR-GANDHINAGAR
branch of Karnataka Gramin Bank, the code PKGB0010995 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 PKGB0010995 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 SAGAR-GANDHINAGAR
Payment Systems Supported by PKGB0010995
| 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——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 SHIMOGA typically follows the RBI holiday calendar. Digital transfers via PKGB0010995 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 PKGB0010995 is the valid code for SAGAR-GANDHINAGAR at SHIMOGA, ensure the beneficiary name matches perfectly in your mobile banking app.
Bank Search Indexing & Metadata
Related Searches
- • Karnataka Gramin Bank Branch List
- • SHIMOGA IFSC Codes
- • Swift Code for Karnataka Gramin Bank
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Financial Tools
- • GST Calculator Online
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Branch Context
- • SAGAR-GANDHINAGAR Contact
- • Address of Karnataka Gramin Bank
- • MICR Code Finder
- • KARNATAKA Banking Circle
Platform Links
- • Anand Design DevBox
- • SEO Performance Hub
- • Webmaster Tools
- • IFSC Finder v2.0
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