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 Kakkattil 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 KLGB0040215. Knowing how the IFSC Code works can help you stay informed and avoid transfer errors.
Details of IFSC Code for Kerala Gramin Bank, Kakkattil, Kozhikode
Below in the table are the key details related to IFSC Code KLGB0040215 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 | KLGB0040215 |
| Branch | Kakkattil |
| City | Kozhikode |
| District | Kozhikode |
| State | Kerala |
| Address | Kakkattil P.O.Kakkattil Kozhikode Dt,Pin-673507 |
These details are important not only for users using online banking but also for businesses and individuals who use Kerala Gramin Bank in Kozhikode for everyday financial transactions. If you are depositing money, sending payments, or managing any commercial transfers, the IFSC Code KLGB0040215 for the Kakkattil 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 Kakkattil, Kozhikode, Kerala, are given a unique IFSC like KLGB0040215 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 any kind of 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 helps ensure that any money sent to Kerala Gramin Bank in Kakkattil goes to the correct branch. This is important because Kerala Gramin Bank has thousands of branches in Kerala and all over India, and the IFSC Code prevents payments from going to the wrong place.
Format of the IFSC Code KLGB0040215
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 Kakkattil in Kozhikode.
For example, the IFSC Code KLGB0040215 of Kerala Gramin Bank for the Kakkattil 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 trying to find the IFSC Code KLGB0040215 of Kerala Gramin Bank for its Kakkattil branch located in Kozhikode, the following methods can help:
Cheque Book
The cheque books that are issued by Kerala Gramin Bank include the IFSC Code which is printed on each cheque and you can easily spot the code on the top section.
Passbook
Most 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
Visit the official website of Kerala Gramin Bank and find the branch locator section. Search for Kakkattil or Kozhikode to get the exact IFSC Code KLGB0040215.
Mobile Banking App
If you use Kerala Gramin Bank's mobile app, you can easily 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 to help you in searching for Kerala Gramin Bank and Kozhikode that will provide accurate information.
How to Use IFSC Code KLGB0040215 for Online Transfers?
Once you have the IFSC Code KLGB0040215 for the Kakkattil 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 KLGB0040215. 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 KLGB0040215.
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 Kakkattil in Kozhikode, 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 Kakkattil, here are some ways that 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.
If you know both IFSC and MICR codes, then it can help account holders in Kozhikode manage online transfers as well as cheque clearances with ease.
Frequently Asked Questions (FAQs)
The IFSC Code is KLGB0040215.
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 Kakkattil P.O.Kakkattil Kozhikode Dt,Pin-673507 located in Kozhikode, Kozhikode, Kerala.
The IFSC Code ensures that NEFT, RTGS, and IMPS transactions are accurately routed to the correct bank branch.