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. No matter, if you are sending money through NEFT, RTGS, or IMPS, the bank requires you to enter the correct IFSC Code so that your payment goes to the right branch. And if you are searching for the IFSC Code of Kerala Gramin Bank for its Kellur branch in Wayanad, Wayanad, Kerala, then this guide will give you detailed information.
The banking system has evolved significantly in India, and today the customers of Kerala Gramin Bank located in Wayanad or anywhere in Kerala can transfer funds instantly by using the correct IFSC Code KLGB0040488. 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, Kellur, Wayanad
The table below shows the main details of the IFSC Code KLGB0040488 for the Kerala Gramin Bank branch in Wayanad, which falls under the Wayanad district in Kerala.
| Particulars | Details |
|---|---|
| Bank | Kerala Gramin Bank |
| IFSC Code | KLGB0040488 |
| Branch | Kellur |
| City | Wayanad |
| District | Wayanad |
| State | Kerala |
| Address | Mananthavady,P.O.Nalloornadu,Wynad,Kerala,Pin -670645 |
These details are essential not only for online banking users but also for businesses and individuals who use Kerala Gramin Bank in Wayanad for day-to-day financial transactions. If you are depositing money, sending payments, or conducting commercial transfers, the IFSC Code KLGB0040488 for the Kellur branch of Kerala Gramin Bank plays 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 Kellur, Wayanad, Kerala, are allotted a unique IFSC like KLGB0040488 to ensure that online payments reach the right destination.
The IFSC Code is important because:
- It clearly tells which bank branch it is in Wayanad.
- It helps NEFT, RTGS, and IMPS systems route the transfer securely.
- It prevents confusion between different branches of the same bank in places like Wayanad and Wayanad.
- 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 Kellur reaches the right place, even though there are thousands of branches in Kerala and across India.
Format of the IFSC Code KLGB0040488
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 Kellur in Wayanad.
For example, the IFSC Code KLGB0040488 of Kerala Gramin Bank for the Kellur branch includes these elements, identifying the bank and the branch location in Wayanad and Kerala accurately.
How to Find IFSC Code for Kerala Gramin Bank?
If you are looking for the IFSC Code KLGB0040488 of Kerala Gramin Bank for its Kellur branch located in Wayanad, 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 Wayanad and Wayanad, 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 Kellur or Wayanad to get the exact IFSC Code KLGB0040488.
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 Wayanad, then it will provide you proper information.
How to Use IFSC Code KLGB0040488 for Online Transfers?
Once you have the IFSC Code KLGB0040488 for the Kellur branch of Kerala Gramin Bank in Wayanad, you can initiate your fund transfers using any digital method:
NEFT
Add beneficiary details including the name, account number, and IFSC Code KLGB0040488. Transfers are processed in batches. This is suitable for 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 KLGB0040488.
Regardless of the method you choose, the accuracy of the IFSC Code is crucial. Any mistake in entering the IFSC Code for Kerala Gramin Bank Kellur in Wayanad may result in delayed or failed transactions.
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 Kellur, 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 Wayanad manage their online transfers and cheque clearances easily.
Frequently Asked Questions (FAQs)
The IFSC Code is KLGB0040488.
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 Mananthavady,P.O.Nalloornadu,Wynad,Kerala,Pin -670645 located in Wayanad, Wayanad, Kerala.
The IFSC Code ensures that NEFT, RTGS, and IMPS transactions are accurately routed to the correct bank branch.