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 Ramanthali 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 KLGB0040408. Knowing how the IFSC Code works will help you stay informed and avoid transfer issues.
Details of IFSC Code for Kerala Gramin Bank, Ramanthali, Kannur
Here are the key points that are associated with the IFSC Code KLGB0040408 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 | KLGB0040408 |
| Branch | Ramanthali |
| City | Kannur |
| District | Kannur |
| State | Kerala |
| Address | Ramanthali,P.O.Ramanthali,Kannur,Kerala,Pin -670308 |
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 KLGB0040408 for the Ramanthali 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 that is provided by the Reserve Bank of India. A unique IFSC like KLGB0040408 is given to every bank branch, including Kerala Gramin Bank located in Ramanthali, 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 Ramanthali doesn't end up at another location.
Format of the IFSC Code KLGB0040408
The format of the IFSC Code for banks, including Kerala Gramin Bank, follows an 11-character structure:
AAAA0CCCCCC
Here's the breakdown of this:
- First 4 characters (AAAA): Represent the bank code. For Kerala Gramin Bank, these characters are the bank's short identifier.
- 5th character (0): Always zero which is reserved for future use.
- Last 6 characters (CCCCCC): Represent the specific branch code assigned to branches such as Ramanthali in Kannur.
For example, the IFSC Code KLGB0040408 of Kerala Gramin Bank for the Ramanthali 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?
To find the IFSC Code KLGB0040408 of Kerala Gramin Bank for its Ramanthali branch located in Kannur, the following methods can help you out:
Cheque Book
The cheque book issued by Kerala Gramin Bank includes the IFSC Code printed on each cheque leaf. You can easily spot the code on the top section.
Passbook
Most 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
Visit the official website of Kerala Gramin Bank and go to the branch locator section. Then search for Ramanthali or Kannur to find the exact IFSC Code KLGB0040408.
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 maintains an updated database of all IFSC codes. Searching for Kerala Gramin Bank and Kannur will provide accurate information.
How to Use IFSC Code KLGB0040408 for Online Transfers?
Once you have the IFSC Code KLGB0040408 for the Ramanthali branch of Kerala Gramin Bank in Kannur, you can initiate your fund transfers using any digital method:
NEFT
Add beneficiary details including the name, account number, and IFSC Code KLGB0040408. Transfers are processed in batches. This is suitable for 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 KLGB0040408.
Regardless of the method you choose, the accuracy of the IFSC Code is crucial. Any mistake in entering the IFSC Code for Kerala Gramin Bank Ramanthali in Kannur may 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 Ramanthali, 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 KLGB0040408.
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 Ramanthali,P.O.Ramanthali,Kannur,Kerala,Pin -670308 located in Kannur, Kannur, Kerala.
The IFSC Code ensures that NEFT, RTGS, and IMPS transactions are accurately routed to the correct bank branch.