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 Ozhur branch in Malappuram, Malappuram, 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 Malappuram or anywhere in Kerala can transfer funds instantly by using the correct IFSC Code KLGB0040649. Knowing how the IFSC Code works can help you stay informed and avoid transfer errors.
Details of IFSC Code for Kerala Gramin Bank, Ozhur, Malappuram
The table below shows the main details of the IFSC Code KLGB0040649 for the Kerala Gramin Bank branch in Malappuram, which falls under the Malappuram district in Kerala.
| Particulars | Details |
|---|---|
| Bank | Kerala Gramin Bank |
| IFSC Code | KLGB0040649 |
| Branch | Ozhur |
| City | Malappuram |
| District | Malappuram |
| State | Kerala |
| Address | K C Building,Opp.Panchayat Office,Pulparamba,Ozhur P.O,Malappuram Dist,Pin -676 307 |
These details are important not only for users using online banking but also for businesses and individuals who use Kerala Gramin Bank in Malappuram for everyday financial transactions. If you are depositing money, sending payments, or managing any commercial transfers, the IFSC Code KLGB0040649 for the Ozhur 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 Ozhur, Malappuram, Kerala, are allotted a unique IFSC like KLGB0040649 to ensure that online payments reach the right destination.
The IFSC Code is important because:
- It clearly tells which bank branch it is in Malappuram.
- It helps NEFT, RTGS, and IMPS systems route the transfer securely.
- It prevents confusion between different branches of the same bank in places like Malappuram and Malappuram.
- 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 Ozhur reaches the right place, even though there are thousands of branches in Kerala and across India.
Format of the IFSC Code KLGB0040649
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 Ozhur in Malappuram.
For example, the IFSC Code KLGB0040649 of Kerala Gramin Bank for the Ozhur branch includes these elements, identifying the bank and the branch location in Malappuram and Kerala accurately.
How to Find IFSC Code for Kerala Gramin Bank?
To find the IFSC Code KLGB0040649 of Kerala Gramin Bank for its Ozhur branch located in Malappuram, 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 Malappuram and Malappuram, 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 Ozhur or Malappuram to find the exact IFSC Code KLGB0040649.
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 Malappuram will provide accurate information.
How to Use IFSC Code KLGB0040649 for Online Transfers?
Once you have the IFSC Code KLGB0040649 for the Ozhur branch of Kerala Gramin Bank in Malappuram, you can initiate your fund transfers using any digital method:
NEFT
Add the beneficiary's name, account number, and IFSC Code KLGB0040649. 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 KLGB0040649.
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 Ozhur in Malappuram, 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 Ozhur, 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 Malappuram manage online transfers as well as cheque clearances with ease.
Frequently Asked Questions (FAQs)
The IFSC Code is KLGB0040649.
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 K C Building,Opp.Panchayat Office,Pulparamba,Ozhur P.O,Malappuram Dist,Pin -676 307 located in Malappuram, Malappuram, Kerala.
The IFSC Code ensures that NEFT, RTGS, and IMPS transactions are accurately routed to the correct bank branch.