IFSC Code of Kerala Gramin Bank, Poochakkal Branch, Kerala

If you are searching for the IFSC code of Kerala Gramin Bank, POOCHAKKAL branch in ALAPPUZHA, KERALA, this page has every detail you need. The verified IFSC code for this branch is KLGB0040681. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the POOCHAKKAL branch, and detailed step-by-step guides for using the IFSC KLGB0040681 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for Kerala Gramin Bank – POOCHAKKAL is KLGB0040681. The first four letters KLGB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 040681 map to this branch in ALAPPUZHA, KERALA.

Bank profile

Kerala Gramin Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Poochakkal branch — IFSC KLGB0040681 — extends the bank's services to customers in and around Alappuzha, Kerala.

Branch details at a glance

Poochakkal branch overview

Located at KAILAS HEIGHTS,LYCEUM JUNCTION,POOCHAKKAL PO,ALAPPUZHA DT. 688 526, the Poochakkal branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC KLGB0040681 is required for all interbank electronic transfers routed through this branch.

Why every Kerala Gramin Bank branch has a unique IFSC

Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including POOCHAKKAL of Kerala Gramin Bank — its own 11-character IFSC. The code KLGB0040681 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.

Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC KLGB0040681 the same way you would treat your account number — verify it once and save it carefully for future use.

Account types you can open at the Poochakkal branch

Once you have an account at Kerala Gramin Bank – POOCHAKKAL, the IFSC KLGB0040681 stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

Products and services

Customers walking into the Poochakkal branch can access most of Kerala Gramin Bank's standard product suite, including:

• Account opening – savings, current, NRI, salary
• Term deposits and recurring deposits
• Retail and small-business loans
• Insurance and mutual-fund tie-ups
• Locker, safe deposit and ATM card services
• Online and mobile banking activation
• Electronic transfers via IFSC KLGB0040681

How to transfer money using IFSC KLGB0040681

Online transfers in India are powered by three major channels — NEFT, RTGS and IMPS — and each one requires a destination IFSC. Below is a quick guide for using IFSC KLGB0040681 across all three.

How to use IFSC KLGB0040681 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Kerala Gramin Bank's POOCHAKKAL branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC KLGB0040681.
4. Confirm the bank name auto-populates as Kerala Gramin Bank and the branch as POOCHAKKAL.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC KLGB0040681

RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to Kerala Gramin Bank – POOCHAKKAL, ensure your bank's portal accepts IFSC KLGB0040681 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Kerala Gramin Bank POOCHAKKAL (IFSC KLGB0040681)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KLGB0040681 in your mobile or internet banking app, and the money is credited to the POOCHAKKAL branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Poochakkal

The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC KLGB0040681:

• NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
• RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
• IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
• UPI — best for small peer-to-peer payments using a VPA; the underlying account at POOCHAKKAL is still linked to IFSC KLGB0040681.

For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.

How UPI relates to the IFSC code

UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at Kerala Gramin Bank's POOCHAKKAL branch, the IFSC KLGB0040681 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.

That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.

Online banking and IFSC KLGB0040681

Kerala Gramin Bank customers can register for net banking and the bank's official mobile app once their account at the POOCHAKKAL branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC KLGB0040681 is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.

MICR & cheque-truncation details

Cheques drawn on the Poochakkal branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC KLGB0040681 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Things to verify before sending money

Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to Kerala Gramin Bank – POOCHAKKAL:

• The IFSC is exactly KLGB0040681 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills Kerala Gramin Bank as the bank name and POOCHAKKAL as the branch.
• The amount and the purpose of payment are correct.
• You have a valid OTP-verifying mobile number on hand.

A 30-second review here saves hours of reconciliation later.

Reaching the branch

The Poochakkal branch sits at KAILAS HEIGHTS,LYCEUM JUNCTION,POOCHAKKAL PO,ALAPPUZHA DT. 688 526. If you are travelling from outside Alappuzha, search for the branch on a maps application using the bank name and locality, or call 4972-704810 to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC KLGB0040681 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC KLGB0040681 for Kerala Gramin Bank – POOCHAKKAL, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

Branch banking hours and holidays

Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Poochakkal branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KLGB0040681, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: KLGB0040681 is the IFSC code of Kerala Gramin Bank, POOCHAKKAL branch, in ALAPPUZHA, KERALA. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.