IFSC Code of Kerala Gramin Bank, Chempanthotty Branch, Kerala

Use this page as a one-stop reference for everything related to Kerala Gramin Bank's CHEMPANTHOTTY branch in KANNUR, KERALA. The branch's IFSC code KLGB0040466 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For Kerala Gramin Bank's CHEMPANTHOTTY branch, the IFSC KLGB0040466 breaks down as follows: KLGB identifies the bank, 0 is the reserved character, and 040466 identifies this particular branch.

Bank profile

Kerala Gramin Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Chempanthotty branch — IFSC KLGB0040466 — extends the bank's services to customers in and around Kannur, Kerala.

Chempanthotty branch overview

Located at CHEMPANTHOTTY,P.O.CHEMPANTHOTTY,KANNUR,KERALA,PIN 670631, the Chempanthotty branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC KLGB0040466 is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

The role of IFSC in India's payments network

India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how Kerala Gramin Bank's CHEMPANTHOTTY branch came to be assigned the code KLGB0040466.

Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC KLGB0040466, money simply cannot be routed to the CHEMPANTHOTTY branch electronically.

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by Kerala Gramin Bank carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC KLGB0040466 and the account number together uniquely identify the Chempanthotty branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC KLGB0040466

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 KLGB0040466 across all three.

NEFT to Kerala Gramin Bank, CHEMPANTHOTTY using IFSC KLGB0040466

National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.

To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC KLGB0040466, and confirm that the system picks up Kerala Gramin Bank – CHEMPANTHOTTY. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to CHEMPANTHOTTY

If you need to transfer ₹2 lakh or more in one go to an account at Kerala Gramin Bank's CHEMPANTHOTTY branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KLGB0040466 while initiating the transfer and the credit will appear within minutes.

IMPS to Kerala Gramin Bank CHEMPANTHOTTY (IFSC KLGB0040466)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KLGB0040466 in your mobile or internet banking app, and the money is credited to the CHEMPANTHOTTY branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Chempanthotty

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 KLGB0040466:

• 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 CHEMPANTHOTTY is still linked to IFSC KLGB0040466.

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.

UPI payments and IFSC KLGB0040466

UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at Kerala Gramin Bank – CHEMPANTHOTTY is still mapped to IFSC KLGB0040466. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.

If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC KLGB0040466 and the beneficiary's account number to complete the transfer.

Account types you can open at the Chempanthotty branch

Once you have an account at Kerala Gramin Bank – CHEMPANTHOTTY, the IFSC KLGB0040466 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.

Banking services available

The Chempanthotty branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 460-2267273.

• Savings, current and salary accounts
• Fixed deposits and recurring deposits
• Personal, vehicle and home loans
• Demat and investment products (where supported)
• Internet banking and mobile banking enrolment
• Debit and credit card issuance
• Locker facilities (subject to availability)
• Foreign exchange services (at authorised branches)
• Bill payments, demand drafts and pay orders
• NEFT / RTGS / IMPS / UPI fund transfers using IFSC KLGB0040466

Digital banking channels

Most day-to-day work that customers used to do at the Chempanthotty branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC KLGB0040466 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.

Reaching the branch

The Chempanthotty branch sits at CHEMPANTHOTTY,P.O.CHEMPANTHOTTY,KANNUR,KERALA,PIN 670631. If you are travelling from outside Kannur, search for the branch on a maps application using the bank name and locality, or call 460-2267273 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 KLGB0040466 and your account number.

Common mistakes to avoid when using IFSC KLGB0040466

An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to Kerala Gramin Bank – CHEMPANTHOTTY, double-check for these issues:

• Confusing 0 with O. The fifth character of every IFSC is the digit 0, not the letter O. Read carefully.
• Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters: KLGB0040466.
• Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
• Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
• Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.

Working hours

Branch counters at Chempanthotty are usually open from 10 AM to 4 PM on weekdays. Saturdays follow the RBI's alternate-Saturday rule. Even when the branch is closed, NEFT, RTGS, IMPS and UPI transfers addressed to KLGB0040466 continue to work without interruption.

Verifying IFSC KLGB0040466 from official sources

The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm KLGB0040466 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 460-2267273.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Summary

The IFSC code KLGB0040466 belongs to Kerala Gramin Bank's CHEMPANTHOTTY branch, located at CHEMPANTHOTTY,P.O.CHEMPANTHOTTY,KANNUR,KERALA,PIN 670631 in KANNUR, KERALA. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.