Kerala Gramin Bank IFSC and MICR Code:

State wise list of Kerala Gramin Bank IFSC code, MICR code and addresses of all branches in India

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Kerala Gramin Bank IFSC Code:

In order to transfer funds from your personal savings account/current account to a beneficiary account with the same bank or another bank through Real Time Gross Settlement (RTGS) or National Electronic Fund Transfer (NEFT), you have to provide the IFSC code. IFSC code is an 11 digit alphanumeric code and MICR is a 9 digit code that can be used for online fund transfers. The IFSC code is assigned to individual branches of a bank by the Reserve Bank of India in order to make sure that there are no errors in the payment process and also to ensure security in fund transfer.

Kerala Gramin Bank customers or others must provide the IFSC Code of the bank’s branch in order to make an online fund transfer to a beneficiary account in the bank or in another bank’s branch. The detailed list of the IFSC codes of the branches of Kerala Gramin Bank is provided on the Bank website. IFSC Code enabled NEFT and RTGS transactions can be made to pay insurance premium, book ticket for bus and railway, Mobile bill, conduct online shopping, book flight tickets, paying loan EMIs, Share Trading online, transfer funds, etc. online.

How to Search for Kerala Gramin Bank IFSC Code and MICR code?

Across India, Kerala Gramin Bank has branches that support National Electronics Fund Transfer (NEFT). The IFSC Code or Indian Financial System Code is used to enable NEFT and Real Time Gross Settlement (RTGS). Magnetic Ink Character Recognition code aka MICR code is a code that is machine readable, which is used for processing and clearing cheques. This is used for the purpose of identifying the branch of the bank to which the cheque belongs. This code is read by a magnetic reader when a cheque goes for clearing and automatically sorted accordingly. Like other Banks, the MICR Code of Kerala Gramin Bank has 9 characters and the IFSC Code, assigned by RBI, contains 11 characters.

Example: The IFSC Code of Kerala Gramin Bank head office in Malappuram, Kerala, is KLGB0040101.

In order to find the IFSC code for the relevant branch of Kerala Gramin Bank, you can go to the Bank’s official website where a list of Branch names and IFSC codes is provided. The cheque book leaflets will also show the IFSC and MICR codes of the Kerala Gramin Bank branch. Customers can also use BankBazaar to search for Kerala Gramin Bank IFSC code. Visit the main page, and scroll down to the bottom of the page where you’ll find the “Bank IFSC Code” tab. Click the tab to go to the IFSC page where you can find the Bank’s details by choosing the relevant details on the menu, such as-

  • Name of the Bank
  • Name of the specific bank branch
  • Location - State and the district in which the Bank is located

Once these details are provided, the website will project the IFSC code of the specific Kerala Gramin Bank branch. Other information that will be available are- MICR code, address of the branch, contact number and branch code.

If you wish to transfer money within the country securely you can use National Electronic Funds Transfer (NEFT) and Real Time Gross Settlement System (RTGS) made available by Kerala Gramin Bank.

National Electronic Funds Transfer (NEFT):

Customers can remit any amount of their choice using NEFT mode from a Kerala Gramin Bank Branch to a beneficiary account in another Bank. He/She can also make a direct payment of cash. Fund transfer through NEFT is credited on the same day to the beneficiary’s account, with the maximum period for processing the remittance being 48 hours. There is no specific timings for NEFT transactions. You can transfer funds using NEFT at any time within the Kerala Gramin Bank’s business hours.

Real Time Gross Settlement System (RTGS):

Real Time Gross Settlement System (RTGS) settlements can be made for fund transfers worth Rs. 2 Lakhs or more. This can be processed only if the recipient Bank Branch is RTGS-enabled. The recipient’s account will be instantly credited. Kerala Gramin bank does not permit Direct Cash remittance. There is no charge applicable on inward fund transfer through RTGS.

Customers have to provide the following information to facilitate a NEFT/RTGS fund transfer online:

  • Beneficiary’s name
  • His/Her Account number
  • Bank and Branch name
  • IFSC code of the branch
  • Amount you wish to transfer

Kerala Gramin Bank (KGB) is the largest Regional Rural Bank (RRB) in India, which was established in July 2013 and has a strong presence in all 14 districts of Kerala. It was formed under the Regional Rural Bank Act, 1976, as specified under the guidelines of Sub-Section (1) of Section 3 of the Act. The amalgamation of RRBs such as North Malabar Gramin Bank and the South Malabar Gramin Bank of Kerala paved way for the existence of Kerala Gramin Bank. It currently has a network of 565 branches and is the only Regional Rural Bank in Kerala.

News Related to Kerala Gramin Bank IFSC Code
  • E-Banking Literacy Program held by Kerala Gramin Bank

    Sponsored by the National Payment Corporation of India (NPCI), Kerala Gramin Bank observed e-banking literacy day as part of the celebrations for the World Literacy Day on September 8. The bank has introduced this program to create awareness regarding e-banking services offered to customers. With Indian banking customers getting options ranging from internet banking, mobile banking and social banking services, this program will help educate individuals about the convenience and efficiency of these services. Managing bank accounts, placing requests for credit instruments and fund transfers using MICR codes and IFSC codes becomes easy with a robust e-banking solution in place. The e-banking literacy day program was inaugurated by Umashankar and presided over by S Radhakrishnan, General Manager, Kerala Gramin Bank. The General Manager of Canara Bank, M Sivashankaran delivered the keynote address, with G Nandakumar presenting the social security projects. An exhibition to promote e-literacy will be put up by Jees Kariyil and the program will be extended to various districts in Kerala.

    1st December 2015

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