Digital banking and online financial transactions in India uses one essential element that ensures you have a seamless and accurate fund transfers, it is the IFSC Code. Banks need the correct IFSC Code for NEFT, RTGS, or IMPS transfers to reach the right branch. If you are looking for the IFSC Code of Kerala Gramin Bank for its Kidangoor branch in Kottayam, Kottayam, or Kerala, this guide will help you with all the details.
There have been major changes in the banking sector in India and today, the customers of Kerala Gramin Bank located in Kottayam or anywhere in Kerala can transfer funds instantly by using the correct IFSC Code KLGB0040593. You should definitely 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, Kidangoor, Kottayam
Here are some of the key details that come with the IFSC Code KLGB0040593 of Kerala Gramin Bank for its branch located in Kottayam, within the district of Kottayam in the state of Kerala.
| Particulars | Details |
|---|---|
| Bank | Kerala Gramin Bank |
| IFSC Code | KLGB0040593 |
| Branch | Kidangoor |
| City | Kottayam |
| District | Kottayam |
| State | Kerala |
| Address | Thekkumkattil City Plaza,P.O.Kidangoor,Kottayam,Kerala,Pin -686572 |
These details helps users in online banking and for businesses and individuals who use Kerala Gramin Bank in Kottayam for their financial transactions. In case you are depositing money, sending payments, or conducting commercial transfers, the IFSC Code KLGB0040593 for the Kidangoor 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 Kidangoor, Kottayam, Kerala, are allotted a unique IFSC like KLGB0040593 to ensure that online payments reach the right destination.
The IFSC Code is important because:
- It clearly tells which bank branch it is in Kottayam.
- It helps NEFT, RTGS, and IMPS systems route the transfer securely.
- It prevents confusion between different branches of the same bank in places like Kottayam and Kottayam.
- 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 Kidangoor reaches the right place, even though there are thousands of branches in Kerala and across India.
Format of the IFSC Code KLGB0040593
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 Kidangoor in Kottayam.
For example, the IFSC Code KLGB0040593 of Kerala Gramin Bank for the Kidangoor branch includes these elements, identifying the bank and the branch location in Kottayam and Kerala accurately.
How to Find IFSC Code for Kerala Gramin Bank?
To find the IFSC Code KLGB0040593 of Kerala Gramin Bank for its Kidangoor branch located in Kottayam, 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 Kottayam and Kottayam, 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 Kidangoor or Kottayam to find the exact IFSC Code KLGB0040593.
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 Kottayam will provide accurate information.
How to Use IFSC Code KLGB0040593 for Online Transfers?
Once you have the IFSC Code KLGB0040593 for the Kidangoor branch of Kerala Gramin Bank in Kottayam, you can initiate your fund transfers using any digital method:
NEFT
Add the beneficiary's name, account number, and IFSC Code KLGB0040593. The transfer is completed in batches instead of instantly. It is useful for both 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 KLGB0040593.
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 Kidangoor in Kottayam, your payment can get delayed or might not go through at all.
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 Kidangoor, 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 Kottayam manage their online transfers and cheque clearances easily.
Frequently Asked Questions (FAQs)
The IFSC Code of the Kidangoor Kottayam branch is KLGB0040593.
Yes, the IFSC Code remains the same unless the bank undergoes a merger or restructuring.
No. IFSC is used for online fund transfers, while MICR is used for cheque processing and clearance.
You can find it on cheque books, passbooks, bank websites, mobile banking apps, and the RBI website.
The branch is located at Thekkumkattil City Plaza,P.O.Kidangoor,Kottayam,Kerala,Pin -686572.
The IFSC Code ensures that NEFT, RTGS, and IMPS transactions are accurately routed to the correct bank branch.