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 Edachery branch in Kozhikode, Kozhikode, 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 Kozhikode or anywhere in Kerala can transfer funds instantly by using the correct IFSC Code KLGB0040212. Knowing how the IFSC Code works can help you stay informed and avoid transfer errors.
Details of IFSC Code for Kerala Gramin Bank, Edachery, Kozhikode
Below in the table are the key details related to IFSC Code KLGB0040212 of Kerala Gramin Bank for its branch located in Kozhikode, within the district of Kozhikode in the state of Kerala.
| Particulars | Details |
|---|---|
| Bank | Kerala Gramin Bank |
| IFSC Code | KLGB0040212 |
| Branch | Edachery |
| City | Kozhikode |
| District | Kozhikode |
| State | Kerala |
| Address | Edachery P.O.Edachery Kozhikode Dt,Pin-673502 |
These details are crucial, not just for online banking users but also for businesses and individuals who use Kerala Gramin Bank in Kozhikode for recurring financial transactions. If you are depositing money, sending payments, or conducting commercial transfers, the IFSC Code KLGB0040212 for the Edachery 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 Edachery, Kozhikode, Kerala, are allotted a unique IFSC like KLGB0040212 to ensure that online payments reach the right destination.
The IFSC Code is important because:
- It clearly tells which bank branch it is in Kozhikode.
- It helps NEFT, RTGS, and IMPS systems route the transfer securely.
- It prevents confusion between different branches of the same bank in places like Kozhikode and Kozhikode.
- 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 Edachery reaches the right place, even though there are thousands of branches in Kerala and across India.
Format of the IFSC Code KLGB0040212
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 Edachery in Kozhikode.
For example, the IFSC Code KLGB0040212 of Kerala Gramin Bank for the Edachery branch includes these elements, identifying the bank and the branch location in Kozhikode and Kerala accurately.
How to Find IFSC Code for Kerala Gramin Bank?
If you are looking for the IFSC Code KLGB0040212 of Kerala Gramin Bank for its Edachery branch located in Kozhikode, 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 Kozhikode and Kozhikode, 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 Edachery or Kozhikode to get the exact IFSC Code KLGB0040212.
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 Kozhikode, then it will provide you proper information.
How to Use IFSC Code KLGB0040212 for Online Transfers?
Once you have the IFSC Code KLGB0040212 for the Edachery branch of Kerala Gramin Bank in Kozhikode, you can initiate your fund transfers using any digital method:
NEFT
Add the beneficiary's name, account number, and IFSC Code KLGB0040212. 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 KLGB0040212.
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 Edachery in Kozhikode, your payment can get delayed or might not go through at all.
Finding the MICR Code
MICR codes are used for check clearances and are not the same as IFSC codes. If you are searching for the MICR code of Kerala Gramin Bank in Edachery, you can find it by any of the following ways:
- Check the bottom of your cheque leaf.
- Go to the first page of your passbook.
- Visit the official Kerala Gramin Bank website.
- Search the RBI portal.
Having both IFSC and MICR codes helps account holders in Kozhikode manage online transfers as well as cheque clearances with ease.
Frequently Asked Questions (FAQs)
The IFSC Code is KLGB0040212.
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 Edachery P.O.Edachery Kozhikode Dt,Pin-673502 located in Kozhikode, Kozhikode, Kerala.
The IFSC Code ensures that NEFT, RTGS, and IMPS transactions are accurately routed to the correct bank branch.