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 Ummanoor branch in Kottarakara, Kollam, 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 Kottarakara or anywhere in Kerala can easily transfer funds instantly by using the correct IFSC Code KLGB0040754. 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, Ummanoor, Kottarakara
Here are the main details that are associated with the IFSC Code KLGB0040754 of Kerala Gramin Bank for its branch located in Kottarakara, within the district of Kollam in the state of Kerala.
| Particulars | Details |
|---|---|
| Bank | Kerala Gramin Bank |
| IFSC Code | KLGB0040754 |
| Branch | Ummanoor |
| City | Kottarakara |
| District | Kollam |
| State | Kerala |
| Address | Building No- 634/15 Ummanoor Kottarakara |
These details are important not only for users using online banking but also for businesses and individuals who use Kerala Gramin Bank in Kottarakara for everyday financial transactions. If you are depositing money, sending payments, or managing any commercial transfers, the IFSC Code KLGB0040754 for the Ummanoor branch of Kerala Gramin Bank is vital.
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 Ummanoor, Kottarakara, Kerala, are allotted a unique IFSC like KLGB0040754 to ensure that online payments reach the right destination.
The IFSC Code is important because:
- It clearly tells which bank branch it is in Kottarakara.
- It helps NEFT, RTGS, and IMPS systems route the transfer securely.
- It prevents confusion between different branches of the same bank in places like Kottarakara and Kollam.
- 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 Ummanoor reaches the right place, even though there are thousands of branches in Kerala and across India.
Format of the IFSC Code KLGB0040754
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 Ummanoor in Kottarakara.
For example, the IFSC Code KLGB0040754 of Kerala Gramin Bank for the Ummanoor branch includes these elements, identifying the bank and the branch location in Kottarakara and Kerala accurately.
How to Find IFSC Code for Kerala Gramin Bank?
If you are trying to find the IFSC Code KLGB0040754 of Kerala Gramin Bank for its Ummanoor branch located in Kottarakara, 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 Kottarakara and Kollam, 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 Ummanoor or Kottarakara to get the exact IFSC Code KLGB0040754.
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 Kottarakara, you'll get the correct details.
How to Use IFSC Code KLGB0040754 for Online Transfers?
If you have the IFSC Code KLGB0040754 for the Ummanoor branch of Kerala Gramin Bank in Kottarakara, you can easily go ahead with fund transfers using any digital method:
NEFT
Add beneficiary details including the name, account number, and IFSC Code KLGB0040754. Transfers are processed in batches. 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. Asks for the recipient's account details and Kerala Gramin Bank IFSC Code KLGB0040754.
Whatever method you choose, the accuracy of the IFSC Code is important and needed. In case there is any mistake in entering the IFSC Code for Kerala Gramin Bank Ummanoor in Kottarakara, it 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 Ummanoor, 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 Kottarakara manage their online transfers and cheque clearances easily.
Frequently Asked Questions (FAQs)
The IFSC Code is KLGB0040754.
Yes, but there can be changes during mergers or restructuring.
No, MICR is for cheque clearing and the IFSC is for online transfers.
You can easily find it on cheque books, passbooks, the bank's website, mobile app, or the RBI portal.
The address of the branch is Building No- 634/15 Ummanoor Kottarakara located in Kottarakara, Kollam, Kerala.
The IFSC Code ensures that NEFT, RTGS, and IMPS transactions are accurately routed to the correct bank branch.
