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 Thavinhal branch in Wayanad, Wayanad, 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 Wayanad or anywhere in Kerala can transfer funds instantly by using the correct IFSC Code KLGB0040478. Knowing how the IFSC Code works can help you stay informed and avoid transfer errors.
Details of IFSC Code for Kerala Gramin Bank, Thavinhal, Wayanad
The table below shows the main details of the IFSC Code KLGB0040478 for the Kerala Gramin Bank branch in Wayanad, which falls under the Wayanad district in Kerala.
| Particulars | Details |
|---|---|
| Bank | Kerala Gramin Bank |
| IFSC Code | KLGB0040478 |
| Branch | Thavinhal |
| City | Wayanad |
| District | Wayanad |
| State | Kerala |
| Address | Thavinhal,P.O.Thalappuzha,Wynad,Kerala,Pin -670644 |
These details help users in online banking and for businesses and individuals who use Kerala Gramin Bank in Wayanad for their financial transactions. In case you are depositing money, sending payments, or conducting commercial transfers, the IFSC Code KLGB0040478 for the Thavinhal 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, along with Kerala Gramin Bank located in Thavinhal, Wayanad, Kerala, are allotted a unique IFSC like KLGB0040478 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 Thavinhal reaches the right place, even though there are thousands of branches in Kerala and across India.
Format of the IFSC Code KLGB0040478
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): These represent the bank code. In Kerala Gramin Bank, they are a short identifier for the bank.
- 5th character (0): This is always zero and is reserved for future use.
- Last 6 characters (CCCCCC): These are what represent the specific branch code which is assigned to branches like Thavinhal in Wayanad.
For example, the IFSC Code KLGB0040478 of Kerala Gramin Bank for the Thavinhal branch has these elements, identifying the bank and the branch location in Wayanad and Kerala correctly.
How to Find IFSC Code for Kerala Gramin Bank?
To find the IFSC Code KLGB0040478 of Kerala Gramin Bank for its Thavinhal branch located in Wayanad, 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 Wayanad and Wayanad, 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 Thavinhal or Wayanad to find the exact IFSC Code KLGB0040478.
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 Wayanad will provide accurate information.
How to Use IFSC Code KLGB0040478 for Online Transfers?
Once you have the IFSC Code KLGB0040478 for the Thavinhal branch of Kerala Gramin Bank in Wayanad, you can initiate your fund transfers using any digital method:
NEFT
Add the beneficiary's name, account number, and IFSC Code KLGB0040478. 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 KLGB0040478.
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 Thavinhal in Wayanad, your payment can get delayed or might not go through at all.
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 Thavinhal, 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 KLGB0040478.
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 Thavinhal,P.O.Thalappuzha,Wynad,Kerala,Pin -670644 located in Wayanad, Wayanad, Kerala.
The IFSC Code ensures that NEFT, RTGS, and IMPS transactions are accurately routed to the correct bank branch.