There is one important element for digital banking and online financial transactions in India that ensures seamless and accurate fund transfers is the IFSC Code. For sending money through NEFT, RTGS, or IMPS, the bank asks you to enter the correct IFSC Code to make the route of your payment to the right branch. In case you are searching for the IFSC Code of Kerala Gramin Bank for its Peratta branch in Kannur, Kannur, Kerala, then this comprehensive guide will provide you with detailed information.
The banking system in India has changed over time, and today the customers of Kerala Gramin Bank situated in Kannur or anywhere in Kerala can easily transfer funds instantly by using the correct IFSC Code KLGB0040443. You should 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, Peratta, Kannur
Here are some of the key details that come with the IFSC Code KLGB0040443 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 | KLGB0040443 |
| Branch | Peratta |
| City | Kannur |
| District | Kannur |
| State | Kerala |
| Address | Peratta,P.O.Kootupuzha,Kannur,Kerala,Pin -670706 |
These details are crucial, not just for online banking users but also for businesses and individuals who use Kerala Gramin Bank in Kannur for recurring financial transactions. If you are depositing money, sending payments, or conducting commercial transfers, the IFSC Code KLGB0040443 for the Peratta 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 provided by the Reserve Bank of India. Every bank branch, along with Kerala Gramin Bank located in Peratta, Kannur, Kerala, are allotted a unique IFSC like KLGB0040443 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 Peratta reaches the right place, even though there are thousands of branches in Kerala and across India.
Format of the IFSC Code KLGB0040443
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): 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 Peratta in Kannur.
For example, the IFSC Code KLGB0040443 of Kerala Gramin Bank for the Peratta 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 looking for the IFSC Code KLGB0040443 of Kerala Gramin Bank for its Peratta branch located in Kannur, the following methods can help:
Cheque Book
The cheque book that is issued by Kerala Gramin Bank includes the IFSC Code printed on each cheque leaf. You can easily spot the code at the top section.
Passbook
Most of the banks, including Kerala Gramin Bank branches in Kannur and Kannur, print the IFSC and MICR codes on the first page of the passbook.
Bank Website
You can visit the official website of Kerala Gramin Bank and look for the branch locator section, then search for Peratta or Kannur to get the exact IFSC Code KLGB0040443.
Mobile Banking App
If you use Kerala Gramin Bank's mobile app, you can check your account details to easily find your branch's IFSC code.
RBI Website
The Reserve Bank of India has an updated database of all IFSC codes and if you are searching for Kerala Gramin Bank and Kannur, then it will provide you proper information.
How to Use IFSC Code KLGB0040443 for Online Transfers?
Once you have the IFSC Code KLGB0040443 for the Peratta branch of Kerala Gramin Bank in Kannur, you can initiate your fund transfers using any digital method:
NEFT
Add the beneficiary's name, account number, and IFSC Code KLGB0040443. The transfer is completed in batches. It is useful for both personal and business payments.
RTGS
Used for payments over ₹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 KLGB0040443.
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 Peratta in Kannur, 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 Peratta, here are some ways to obtain 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.
Having both the IFSC and MICR codes makes it easy for account holders in Kannur to handle online money transfers and get their cheques cleared smoothly.
Frequently Asked Questions (FAQs)
The IFSC Code is KLGB0040443.
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 Peratta,P.O.Kootupuzha,Kannur,Kerala,Pin -670706 located in Kannur, Kannur, Kerala.
The IFSC Code ensures that NEFT, RTGS, and IMPS transactions are accurately routed to the correct bank branch.