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 Perumanna branch in Kozhikode, Kozhikode, 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 Kozhikode or anywhere in Kerala can easily transfer funds instantly by using the correct IFSC Code KLGB0040631. 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, Perumanna, Kozhikode
The table below shows the main details of the IFSC Code KLGB0040631 for the Kerala Gramin Bank branch in Kozhikode, which falls under the Kozhikode district in Kerala.
| Particulars | Details |
|---|---|
| Bank | Kerala Gramin Bank |
| IFSC Code | KLGB0040631 |
| Branch | Perumanna |
| City | Kozhikode |
| District | Kozhikode |
| State | Kerala |
| Address | Bhagavathi Parambath Building,Perumanna P.O,Kozhikode Dist,Pin -673 019 |
These details help users in online banking and for businesses and individuals who use Kerala Gramin Bank in Kozhikode for their financial transactions. In case you are depositing money, sending payments, or conducting commercial transfers, the IFSC Code KLGB0040631 for the Perumanna branch of Kerala Gramin Bank has a very 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, including Kerala Gramin Bank located in Perumanna, Kozhikode, Kerala, is provided with a unique IFSC like KLGB0040631 to ensure that online payments reach the right destination.
The IFSC Code is important because:
- It uniquely identifies the Kerala Gramin Bank branch in Kozhikode.
- It helps NEFT, RTGS, and IMPS systems route the transfer securely.
- It avoids any errors or confusions between multiple branches of the same bank across different places like Kozhikode and Kozhikode.
- It reduces errors in fund transfers and improves accuracy.
- It allows sender banks to validate and confirm branch details before processing payments.
There are thousands of branches across Kerala and the rest of India and the IFSC Code ensures that transactions meant for Kerala Gramin Bank in Perumanna do not get mixed with another location.
Format of the IFSC Code KLGB0040631
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 Perumanna in Kozhikode.
For example, the IFSC Code KLGB0040631 of Kerala Gramin Bank for the Perumanna 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?
To find the IFSC Code KLGB0040631 of Kerala Gramin Bank for its Perumanna branch located in Kozhikode, 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 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 go to the branch locator section. Then search for Perumanna or Kozhikode to find the exact IFSC Code KLGB0040631.
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 Kozhikode will provide accurate information.
How to Use IFSC Code KLGB0040631 for Online Transfers?
Once you have the IFSC Code KLGB0040631 for the Perumanna 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 KLGB0040631. 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 KLGB0040631.
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 Perumanna 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 Perumanna, 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 KLGB0040631.
Yes, but it can change if the bank merges or goes through restructuring.
No. MICR is for cheque clearing; IFSC is for online transfers.
You can find it on cheque books, passbooks, the bank's website, mobile app, or the RBI portal.
The address of the branch is Bhagavathi Parambath Building,Perumanna P.O,Kozhikode Dist,Pin -673 019 located in Kozhikode, Kozhikode, Kerala.
The IFSC Code ensures that NEFT, RTGS, and IMPS transactions are accurately routed to the correct bank branch.