Digital banking and online financial transactions in India uses one essential element that ensures you have a seamless and accurate fund transfers, it is the IFSC Code. Banks need the correct IFSC Code for NEFT, RTGS, or IMPS transfers to reach the right branch. If you are looking for the IFSC Code of Kerala Gramin Bank for its Vellarimala branch in Kalpetta, Wayanad, or Kerala, this guide will help you with all the details.
There have been major changes in the banking sector in India and today, the customers of Kerala Gramin Bank located in Kalpetta or anywhere in Kerala can transfer funds instantly by using the correct IFSC Code KLGB0040719. You should definitely know how the IFSC Code works and how it helps you stay informed and avoid transfer errors.
Details of IFSC Code for Kerala Gramin Bank, Vellarimala, Kalpetta
Here are some of the key details that come with the IFSC Code KLGB0040719 of Kerala Gramin Bank for its branch located in Kalpetta, within the district of Wayanad in the state of Kerala.
| Particulars | Details |
|---|---|
| Bank | Kerala Gramin Bank |
| IFSC Code | KLGB0040719 |
| Branch | Vellarimala |
| City | Kalpetta |
| District | Wayanad |
| State | Kerala |
| Address | Vellarimala Po, Meppadi, Wayanad-673577 |
These details are crucial, not just for online banking users but also for businesses and individuals who use Kerala Gramin Bank in Kalpetta for recurring financial transactions. If you are depositing money, sending payments, or conducting commercial transfers, the IFSC Code KLGB0040719 for the Vellarimala branch of Kerala Gramin Bank has an important role.
What Is IFSC Code and Why Is It Important?
IFSC stands for Indian Financial System Code, an 11-character alphanumeric code that is provided by the Reserve Bank of India. A unique IFSC like KLGB0040719 is given to every bank branch, including Kerala Gramin Bank located in Vellarimala, Kalpetta, Kerala, to make sure that online payments reach the right place.
The IFSC Code is important because:
- It uniquely identifies the Kerala Gramin Bank branch in Kalpetta.
- It helps NEFT, RTGS, and IMPS systems route the transfer securely.
- It avoids any kind of confusion between multiple branches of the same bank across different places like Kalpetta and Wayanad.
- It removes errors in fund transfers and improves accuracy.
- It lets the sender banks validate and confirm branch details before they process the payments.
There are thousands of branches across Kerala and the rest of India, which is why the IFSC Code ensures that transactions meant for Kerala Gramin Bank in Vellarimala doesn't end up at another location.
Format of the IFSC Code KLGB0040719
The format of the IFSC Code for banks, including Kerala Gramin Bank, follows an 11-character structure:
AAAA0CCCCCC
Here's the breakdown:
- First 4 characters (AAAA): These represent the bank code. In Kerala Gramin Bank, they are a short identifier for the bank.
- 5th character (0): This is always zero and is reserved for future use.
- Last 6 characters (CCCCCC): These are what represent the specific branch code which is assigned to branches like Vellarimala in Kalpetta.
For example, the IFSC Code KLGB0040719 of Kerala Gramin Bank for the Vellarimala branch has these elements, identifying the bank and the branch location in Kalpetta and Kerala correctly.
How to Find IFSC Code for Kerala Gramin Bank?
If you are trying to find the IFSC Code KLGB0040719 of Kerala Gramin Bank for its Vellarimala branch located in Kalpetta, the following methods can help:
Cheque Book
The cheque book issued by Kerala Gramin Bank includes the IFSC Code printed on each cheque leaf which you can easily spot on the top section.
Passbook
You can easily find the IFSC and MICR codes because most banks, including Kerala Gramin Bank branches in Kalpetta and Wayanad, print them on the first page of your passbook.
Bank Website
Visit the official website of Kerala Gramin Bank and navigate to the branch locator section. Search for Vellarimala or Kalpetta to get the exact IFSC Code KLGB0040719.
Mobile Banking App
If you use Kerala Gramin Bank's mobile app, you can check your account details to find your branch's IFSC code.
RBI Website
The Reserve Bank of India keeps an updated list of all IFSC codes. If you search for Kerala Gramin Bank and Kalpetta, you'll get the correct details.
How to Use IFSC Code KLGB0040719 for Online Transfers?
Once you have the IFSC Code KLGB0040719 for the Vellarimala branch of Kerala Gramin Bank in Kalpetta, you can initiate your fund transfers using any digital method:
NEFT
Add the beneficiary's name, account number, and IFSC Code KLGB0040719. The transfer is completed in batches instead of instantly. It is useful for both personal and business payments.
RTGS
Used for high-value payments above ₹2 lakh. Real-time settlement using the IFSC Code of the recipient branch.
IMPS
Instant 24×7 transfers. Requires the recipient's account details and Kerala Gramin Bank IFSC Code KLGB0040719.
No matter which payment method you use, the IFSC Code must be correct. If you enter the wrong IFSC Code for the Kerala Gramin Bank Vellarimala in Kalpetta, your payment can get delayed or might not go through at all.
Finding the MICR Code
MICR codes are used for cheque clearance and differ from IFSC codes. If you are looking for the MICR code of Kerala Gramin Bank in Vellarimala, here are some ways that you can get it:
- Check the bottom of your cheque leaf.
- Refer to the first page of your passbook.
- Visit the official Kerala Gramin Bank website.
- Search the RBI portal.
If you know both IFSC and MICR codes, then it can help account holders in Kalpetta manage online transfers as well as cheque clearances with ease.
Frequently Asked Questions (FAQs)
The IFSC Code is KLGB0040719.
Yes, but it can change during merging or restructuring of the bank.
No, MICR is for cheque clearing and IFSC is for online transfers.
You can find it on your chequebook, passbook, the bank's website, the mobile app, or on the RBI portal.
The address of the branch is Vellarimala Po, Meppadi, Wayanad-673577 located in Kalpetta, Wayanad, Kerala.
The IFSC Code ensures that NEFT, RTGS, and IMPS transactions are accurately routed to the correct bank branch.