The IFSC Code is a very important number used in India for digital banking and online money transfers that ensures seamless and accurate fund transfers. In case you are sending money through NEFT, RTGS, or IMPS, the bank requires you to enter the correct IFSC Code to route your payment to the right branch. If you are searching for the IFSC Code of Kerala Gramin Bank for its Karimbam branch in Kannur, Kannur, Kerala, this complete guide will provide you with detailed information.
The banking system in India has changed over the years, and today customers of Kerala Gramin Bank located in Kannur or anywhere in Kerala can transfer funds instantly by using the correct IFSC Code KLGB0040493. Knowing how the IFSC Code works will help you stay informed and avoid transfer issues.
Details of IFSC Code for Kerala Gramin Bank, Karimbam, Kannur
Here are the key points that are associated with the IFSC Code KLGB0040493 of Kerala Gramin Bank for its branch located in Kannur, within the district of Kannur in the state of Kerala.
| Particulars | Details |
|---|---|
| Bank | Kerala Gramin Bank |
| IFSC Code | KLGB0040493 |
| Branch | Karimbam |
| City | Kannur |
| District | Kannur |
| State | Kerala |
| Address | Karimbam,P.O.Karimbam,Kannur,Kerala,Pin -670142 |
These details help users in online banking and for businesses and individuals who use Kerala Gramin Bank in Kannur for their financial transactions. In case you are depositing money, sending payments, or conducting commercial transfers, the IFSC Code KLGB0040493 for the Karimbam branch of Kerala Gramin Bank has a very 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 KLGB0040493 is given to every bank branch, including Kerala Gramin Bank located in Karimbam, Kannur, 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 Kannur.
- 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 Kannur and Kannur.
- 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 Karimbam doesn't end up at another location.
Format of the IFSC Code KLGB0040493
The format of the IFSC Code for banks, including Kerala Gramin Bank, has an 11-character structure:
AAAA0CCCCCC
Here's the breakdown:
- First 4 characters (AAAA): Show the bank code. For Kerala Gramin Bank, these letters represent the bank's short name.
- 5th character: Is always zero and is kept for future use.
- Last 6 characters (CCCCCC): Represent the specific branch code assigned to branches such as Karimbam in Kannur.
For example, the IFSC Code KLGB0040493 of Kerala Gramin Bank for the Karimbam branch includes these elements, identifying the bank and the branch location in Kannur and Kerala correctly.
How to Find IFSC Code for Kerala Gramin Bank?
If you are trying to find the IFSC Code KLGB0040493 of Kerala Gramin Bank for its Karimbam branch located in Kannur, 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 Kannur and Kannur, 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 Karimbam or Kannur to get the exact IFSC Code KLGB0040493.
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 Kannur, you'll get the correct details.
How to Use IFSC Code KLGB0040493 for Online Transfers?
Once you have the IFSC Code KLGB0040493 for the Karimbam branch of Kerala Gramin Bank in Kannur, you can start with your fund transfers using any digital method:
NEFT
Add beneficiary details including the name, account number, and IFSC Code KLGB0040493. Transfers are processed in batches. Suitable for personal and business payments.
RTGS
Used for payments above ₹2 lakh. Real-time settlement using the IFSC Code of the recipient branch.
IMPS
Instant 24×7 transfers. You need the recipient's account details and Kerala Gramin Bank IFSC Code KLGB0040493.
Whatever method you choose, the accuracy of the IFSC Code is highly important. If there is any mistake in entering the IFSC Code for Kerala Gramin Bank Karimbam in Kannur, it can result in delayed or failed transactions.
Finding the MICR Code
MICR codes are used for cheque clearance and are very different from IFSC codes. If you are looking for the MICR code of Kerala Gramin Bank in Karimbam, here are some of the ways 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.
Knowing both IFSC and MICR code can help account holders in Kannur manage their online transfers and cheque clearances easily.
Frequently Asked Questions (FAQs)
The IFSC Code is KLGB0040493.
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 Karimbam,P.O.Karimbam,Kannur,Kerala,Pin -670142 located in Kannur, Kannur, Kerala.
The IFSC Code ensures that NEFT, RTGS, and IMPS transactions are accurately routed to the correct bank branch.