Kerala Gramin Bank
PANDIKKAD BRANCH
+914832783246
Understanding IFSC Code: The Digital DNA of Kerala Gramin Bank
When performing any digital transaction in India, the Indian Financial System Code
(IFSC) acts as a critical identifier. For the PANDIKKAD
branch of Kerala Gramin Bank, the code KLGB0040188 ensures
that your funds are routed through the Reserve Bank of India's (RBI) structured network without manual
errors. In an era of instant payments, having the correct IFSC is as important as the account number
itself.
Anatomy of the KLGB0040188 Code
An IFSC is an 11-character alphanumeric code. Let's break down the logic behind the code for this specific branch:
Bank Identity
"KLGB" represents Kerala Gramin Bank
Control Character
Always '0' (Reserved for future use)
Branch Locator
Unique code for PANDIKKAD
Payment Systems Supported by KLGB0040188
| System | Transfer Limit | Processing Time |
|---|---|---|
| NEFT | No Minimum (Up to ₹50 Lakhs+) | Half-hourly batches (24x7) |
| RTGS | Minimum ₹2 Lakhs | Real-time settlement |
| IMPS | Up to ₹5 Lakhs | Instant (Mobile/P2P) |
Why do you need the MICR Code?
While IFSC is for digital transfers, the Magnetic Ink Character Recognition
(MICR) code—676480058—is primarily
used for the processing and clearance of physical cheques. This 9-digit code helps in
identifying the bank and branch during the Cheque Truncation System (CTS) cycle, making clearing
faster and error-free.
Bank Holidays & Availability
The Kerala Gramin Bank in MALAPPURAM typically follows the RBI holiday calendar. Digital transfers via KLGB0040188 for NEFT/RTGS are now available 365 days a year, regardless of physical branch timings or Sunday closures.
Security Warning & Verification
Always verify the branch details before making a large payment. While KLGB0040188 is the valid code for PANDIKKAD at MALAPPURAM, ensure the beneficiary name matches perfectly in your mobile banking app.
Bank Search Indexing & Metadata
Related Searches
- • Kerala Gramin Bank Branch List
- • MALAPPURAM IFSC Codes
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Financial Tools
- • GST Calculator Online
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Branch Context
- • PANDIKKAD Contact
- • Address of Kerala Gramin Bank
- • MICR Code Finder
- • KERALA Banking Circle
Platform Links
- • Anand Design DevBox
- • SEO Performance Hub
- • Webmaster Tools
- • IFSC Finder v2.0
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