For digital banking and online financial transactions in India, one essential element that makes sure of a seamless and accurate fund transfers is the IFSC Code. If you are sending money through NEFT, RTGS, or IMPS, the bank asks you to enter the correct IFSC Code to route your payment to the right branch. And so, in case you are searching for the IFSC Code of Kerala Gramin Bank for its Padiyur Kalliad branch in Kannur, Kannur, Kerala, this comprehensive guide will provide you with detailed information.
The banking system in India has changed significantly 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 KLGB0040484. Knowing how the IFSC Code works can help you stay informed and avoid transfer errors.
Details of IFSC Code for Kerala Gramin Bank, Padiyur Kalliad, Kannur
Here are the main details that are associated with the IFSC Code KLGB0040484 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 | KLGB0040484 |
| Branch | Padiyur Kalliad |
| City | Kannur |
| District | Kannur |
| State | Kerala |
| Address | Padiyur,P.O.Padiyur,Kannur,Kerala,Pin -670703 |
These details helps 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 KLGB0040484 for the Padiyur Kalliad branch of Kerala Gramin Bank plays a vital role.
What Is IFSC Code and Why Is It Important?
IFSC stands for Indian Financial System Code, an 11-character alphanumeric code provided by the Reserve Bank of India. Every bank branch, along with Kerala Gramin Bank located in Padiyur Kalliad, Kannur, Kerala, are allotted a unique IFSC like KLGB0040484 to ensure that online payments reach the right destination.
The IFSC Code is important because:
- It clearly tells which bank branch it is in Kannur.
- It helps NEFT, RTGS, and IMPS systems route the transfer securely.
- It prevents confusion between different branches of the same bank in places like Kannur and Kannur.
- It reduces errors in fund transfers and improves accuracy.
- It helps the sender banks to validate and confirm branch details before processing payments.
It makes sure that money sent to Kerala Gramin Bank in Padiyur Kalliad reaches the right place, even though there are thousands of branches in Kerala and across India.
Format of the IFSC Code KLGB0040484
This is the format of the IFSC Code for banks, including Kerala Gramin Bank, follows an 11-character structure:
AAAA0CCCCCC
Here's the explanation:
- First 4 characters (AAAA): This is the bank code. For Kerala Gramin Bank, these characters are the bank's short identifier.
- 5th character (0): This stays zero till there is any future use.
- Last 6 characters (CCCCCC): These are specific branch code assigned to branches such as Padiyur Kalliad in Kannur.
For example, the IFSC Code KLGB0040484 of Kerala Gramin Bank for the Padiyur Kalliad branch includes these elements, identifying the bank and the branch location in Kannur and Kerala accurately.
How to Find IFSC Code for Kerala Gramin Bank?
If you are trying to find the IFSC Code KLGB0040484 of Kerala Gramin Bank for its Padiyur Kalliad 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 Padiyur Kalliad or Kannur to get the exact IFSC Code KLGB0040484.
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 KLGB0040484 for Online Transfers?
Once you have the IFSC Code KLGB0040484 for the Padiyur Kalliad 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 KLGB0040484. 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 KLGB0040484.
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 Padiyur Kalliad in Kannur, it can result in delayed or failed transactions.
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 Padiyur Kalliad, 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 Kannur manage online transfers as well as cheque clearances with ease.
Frequently Asked Questions (FAQs)
The IFSC Code is KLGB0040484.
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 Padiyur,P.O.Padiyur,Kannur,Kerala,Pin -670703 located in Kannur, Kannur, Kerala.
The IFSC Code ensures that NEFT, RTGS, and IMPS transactions are accurately routed to the correct bank branch.