Karnataka Vikas Grameena Bank IFSC and MICR Code:

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Karnataka Vikas Grameena Bank (KVGB) IFSC Code:

Transferring money in India has become so much easier, safer and faster since the introduction of Electronic funds transfer in India. National Electronic Fund Transfer (NEFT) and Real Time Gross Settlement (RTGS) are two methods of transferring funds electronically which has been introduced by RBI. Karnataka Vikas Grameena Bank (KVGB) have made both these services available to their customers. IFSC (Indian Financial system Code) is made use of for these facilities. The IFSC is a code used to identify all the Bank branches within the network, since each branch in the network has a unique set. Basically it identifies the source and destination banks, ensuring that there is no confusion when funds are transferred.

IFSC are made of 11 characters in an alpha-numeric format. The first four characters of the code are alphabets and denote the name of the bank. The fifth character is the digit ‘0’ which is meant for future use. The last six characters are digits which denote a specific branch.

For example, following is the breakup of the IFSC code of a branch of Karnataka Vikas Grameena Bank:

  • KVGB0008104 - IFSC Code for Karnataka Vikas Grameena Bank branch
  • KVGB – the first four letters indicates the name of the bank (in this case Karnataka Vikas Grameena Bank)
  • 0 - For future use
  • 008104 – Last six digits indicates a particular branch of Karnataka Vikas Grameena Bank

How to Search for Karnataka Vikas Grameena Bank (KVGB) IFSC and MICR codes?

IFSC and MICR codes of a bank can be found through various sources. To find the IFSC code of a branch of Karnataka Vikas Grameena Bank for example, one can simply look at a cheque book/leaf issued by the same branch, as the IFSC code will be printed on it. You can look online for the codes as well. The Reserve Bank of India has a website which gives the complete list of IFSC codes of all the banks in India that are in the NEFT/RTGS network. You can also look at the official website Karnataka Vikas Grameena Bank (KVGB) and find the IFSC code there. Third party financial websites such as BankBazaar also provide this information in a simple format.

If you login to BankBazaar, you can find a complete list of IFSC codes for every bank in the NEFT/RTGS network, including Karnataka Vikas Grameena Bank. Simply go to the homepage of the website and click on the ‘Bank IFSC Code’ tab. A second page will open featuring a few drop down menus including ‘Select Bank’, ‘Select Branch’, ‘Select State’ and ‘Select District’. In the ‘Select Bank’ drop menu, pick ‘Karnataka Vikas Grameena Bank’. As soon as you choose the appropriate options in the other drop down menus, BankBazaar will generate the IFSC and MICR codes of the branch that you need. The generated table also provide you with phone number, address of the branch, name, branch code and other information in addition to the IFSC and MICR codes.

Transferring funds using the services of NEFT and RTGS is simple and quick.

National Electronic Funds Transfer (NEFT):

NEFT (National Electronic Funds Transfers) has been introduced by RTI for the easy transfer of funds from one account to any other account in India. NEFT works on Deferred Net Settlements which means that the settlements are done in batches on an hourly schedule. If you make the request for the transfer within the cut-off time that is decided by the bank, the fund will be transferred on the same day. If the request reaches the bank after the deadline for the day, it will be credited to the beneficiary’s account on the following working day.

These are the details that you will need to use NEFT service at Karnataka Vikas Grameena Bank (KVGB):

  • The name of the receiver
  • The name of the receiver’s bank and branch
  • The receiver’s account number
  • The IFSC code of the receiver’s bank branch
  • The amount to be transferred

The following are the charges for availing the NEFT service (for outward transactions) at Karnataka Vikas Grameena Bank:


Transaction Charge

Up to Rs 1,00,000/-

Rs 5/- per transaction

Above Rs 1 Lakh to Rs 2 Lakh

Rs 15/- per transaction

Above Rs 2 Lakh

Rs 25/- per transaction

Inward transactions are not charged.

Real Time Gross Settlement System (RTGS):

RTGS (Real Time Gross Settlement System) is also available at Karnataka Vikas Grameena Bank to transfer amounts larger than 2 lacs. Transfer of funds are done on an individual basis so that it is faster. In other words, clearance of funds are scheduled individually and not batch-wise like with NEFT. RTGS is one of the fastest methods of fund transfer. Unless you have requested for a transfer after the time stipulated by the bank for the transfer, the money will be credited to the beneficiary’s account in ‘real time’.

These are the details that you will need to use RTGS service at Karnataka Vikas Grameena Bank:

  • The receiver’s name
  • The receiver’s bank and branch name
  • IFSC Code of the receiver’s bank
  • The transfer amount
  • The receiver’s account number
  • A remark for the receiver, if any

The following are the charges for availing the RTGS service (for outward transactions) at Karnataka Vikas Grameena Bank:


Transaction Charge

Above Rs 2 Lakh to 5 Lakh

Rs 25/- per transaction

Above Rs 5 Lakh

Rs 50/- per transaction

Inward transactions are not charged.

The Karnataka Vikas Grameena Bank is a Regional Rural Bank, headquartered in Dharwad. The bank was founded on September 12th, 2005. Four Regional Rural Banks (RRBs); Malaprabha Grameena Bank, Netravathi Grameena Banks, Bijapur Grameena Bank and Varada Grameena Bank was united to bring about Karnataka Vikas Grameena Bank. The four RRBs were located in the state of Karnataka. Today, Karnataka Vikas Grameena Bank has 448 branches in the rural areas of Karnataka. Further, the bank is under the sponsorship of Syndicate Bank.

The bank is operating in nine districts in Karnataka including Bagalkote, Dakshin Kannad, Bijapur, Gadag, Uttar Kannad, Dharwad, Belgaum, Haveri and Udipi.

News Related to Karnataka Vikas Grameena Bank LTD. IFSC Code
  • Kitchen Renovation Scheme Launched by Karnataka Vikas Grameen Bank

    The Karnataka Vikas Grameen Bank, headquartered in Dharwad, has released its latest loan scheme with women as the target market. This scheme aims at offering women the funds with which they can renovate their kitchens. The scheme was launched on March 8, International Women’s Day, and the Chairman of Karnataka Vikas Grameen Bank, S Ravindran, revealed that the scheme offers amounts to the extent of Rs.2 lakhs and the repayment period applicable to the loan is seven years.

    Karnataka Vikas Grameen Bank currently has branches in nine districts of Karnataka, and has so far sanctioned amounts worth Rs.3 crore to around 200 women beneficiaries.

    According to the CEO of Dharwad Zilla Panchayat, Snehal R, most women spend most of their time in their kitchens, and since kitchens can cause several different health hazards should they be kept unkempt, offering a loan like this can help them not only make their kitchens look more attractive, but also ensure that there are no health hazards to worry about.

    8th March2017

  • Nine Villages to be Digitised by Karnataka Vikas Grameen Bank

    A regional rural bank, the Karnataka Vikas Grameen Bank, which is headquartered in Dharwad, and sponsored by Syndicate Bank, has made plans to bring nine villages under its jurisdiction to a fully digitised state by the end of January 2017. The Chairman of the Karnataka Vikas Grameen Bank, S Ravindran, spoke at the launch of the first digital village of the bank at Hubballi taluk’s Sherewad village, stating that the bank aims at making nine villages 100% digital in the near future. These villages include Dharwad, Haveri, Bagalkot, Gadag, Vijayapura, Uttara Kannada, Dakshina Kannada, Udupi and Belagavi.

    4th January 2017

  • Bank Sakhi scheme launched by KVGB

    Karnataka Vikas Grameen Bank (KVGB) has launched a new scheme called Bank Sakhi to employ village women and to promote cashless payments in rural areas. Through this scheme, the bank aims to hire women from selected villages and call them Bank Sakhi. KVGB has already appointed 11 Bank Sakhis and plans to employ at least 50 women. Bank Sakhi is a person who has been a self-help group member and was involved in the group’s accounts and banking activities. Bank Sakhis will provide financial services to their villages or districts on behalf of the bank.

    26th December 2016

  • KVGB Bags an Accolade for Inclusiveness

    Karnataka Vikas Grameena Bank (KVGB), one of the leading public sector rural bank in India, has attained yet another golden feather to its cap after being granted with the country level ‘Inclusive Finance India’ award given by ACCESS ASSIST. A press release by KVGB confirmed that the bank acquired the first runner-up award for best performance under the Self Help Group Bank Linkage scheme for the financial year 2014 - 2015. The honour has been thought of especially to identify the role of the regional rural banks in growth, liberation and empowerment of the rural population. The customer can transfer funds online via NEFT and RTGS by using the specific IFSC Code.

    27th December 2015

  • KVGB Plans to Open ATMs on Wheels and Launch New Branches

    The Karnataka Vikas Grameena Bank (KVGB), plans to launch ATMs-on-wheels, in association with NABARD. These ATMs will offer people in rural areas, where banking services are unavailable to people. Apart from ATM withdrawal services, customers can also access other basic banking services that are ideally available at a branch. Not only that, these ATMs-on-wheels will be accompanied by a doctor so that the people from rural areas can access much needed healthcare services.

    Apart from introducing ATMs-on-wheels, KVGB also plans to launch 59 new branches in the current financial year. IFSC codes for these new branches will soon be available online.

    14th July 2015

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