IFSC Code of Kerala Gramin Bank, Cherupuzha Branch, Kerala

If you are searching for the IFSC code of Kerala Gramin Bank, CHERUPUZHA branch in KANNUR, KERALA, this page has every detail you need. The verified IFSC code for this branch is KLGB0040599. 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 CHERUPUZHA branch, and detailed step-by-step guides for using the IFSC KLGB0040599 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 – CHERUPUZHA is KLGB0040599. The first four letters KLGB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 040599 map to this branch in KANNUR, KERALA.

Branch details at a glance

Bank profile

Kerala Gramin Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Cherupuzha branch — IFSC KLGB0040599 — extends the bank's services to customers in and around Kannur, Kerala.

About the Cherupuzha branch

The Cherupuzha branch of Kerala Gramin Bank is situated at PUNCHAKUNNEL BUILDINGS,MAIN ROAD,P.O.CHERUPUZHA,KANNUR,KERALA,PIN 670511. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code KLGB0040599 is used.

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 CHERUPUZHA of Kerala Gramin Bank — its own 11-character IFSC. The code KLGB0040599 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 KLGB0040599 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC KLGB0040599

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 KLGB0040599 across all three.

How to use IFSC KLGB0040599 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Kerala Gramin Bank's CHERUPUZHA 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 KLGB0040599.
4. Confirm the bank name auto-populates as Kerala Gramin Bank and the branch as CHERUPUZHA.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to CHERUPUZHA

If you need to transfer ₹2 lakh or more in one go to an account at Kerala Gramin Bank's CHERUPUZHA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KLGB0040599 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Kerala Gramin Bank – CHERUPUZHA, use IMPS. With IFSC KLGB0040599 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Cherupuzha

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 KLGB0040599:

• 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 CHERUPUZHA is still linked to IFSC KLGB0040599.

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 CHERUPUZHA branch, the IFSC KLGB0040599 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.

Products and account variants supported

Every account opened at the Cherupuzha branch is mapped to IFSC KLGB0040599 on the RBI payments network. The branch generally supports the full retail product catalogue of Kerala Gramin Bank, including:

• Resident savings accounts and salary accounts
• Current accounts for businesses and professionals
• Fixed deposits, recurring deposits and tax-saver deposits
• Demand drafts, banker's cheques and pay orders
• Retail loans — personal, vehicle, education, gold and home
• Credit cards and overdraft facilities (subject to eligibility)
• Third-party investment products such as mutual funds and insurance (through tie-ups)

Whichever product you choose, the IFSC for incoming credits remains KLGB0040599.

Banking services available

The Cherupuzha branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 4985-240040.

• 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 KLGB0040599

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 KLGB0040599 and the account number together uniquely identify the Cherupuzha branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Digital banking channels

Most day-to-day work that customers used to do at the Cherupuzha 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 KLGB0040599 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.

Common mistakes to avoid when using IFSC KLGB0040599

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 – CHERUPUZHA, 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: KLGB0040599.
• 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.

How to reach the Cherupuzha branch

The branch is located at PUNCHAKUNNEL BUILDINGS,MAIN ROAD,P.O.CHERUPUZHA,KANNUR,KERALA,PIN 670511, which puts it inside Kannur, the broader Kannur district, and the state of Kerala. To plan your visit:

1. Open Google Maps on your phone and search for “Kerala Gramin Bank Cherupuzha branch” — the verified location pin for IFSC KLGB0040599 should appear at the top of the results.
2. Confirm the branch is open by calling 4985-240040 before stepping out, especially around public holidays.
3. Carry photo ID and any account-related documents you may need for the transaction you plan to do.

Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC KLGB0040599 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC KLGB0040599 for Kerala Gramin Bank – CHERUPUZHA, 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.

Working hours

Branch counters at Cherupuzha 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 KLGB0040599 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code KLGB0040599 belongs to Kerala Gramin Bank's CHERUPUZHA branch, located at PUNCHAKUNNEL BUILDINGS,MAIN ROAD,P.O.CHERUPUZHA,KANNUR,KERALA,PIN 670511 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.