IFSC Code of Kerala Gramin Bank, Neendunokki Branch, Kerala

Below are the complete branch details for Kerala Gramin Bank, NEENDUNOKKI branch, located in KANNUR, KERALA. The IFSC assigned by the Reserve Bank of India to this branch is KLGB0040489. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case KLGB0040489 for Kerala Gramin Bank – NEENDUNOKKI — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, KLGB0040489 is the IFSC of Kerala Gramin Bank's NEENDUNOKKI branch. The format is fixed: KLGB = bank code, 0 = reserved, 040489 = branch identifier.

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 Neendunokki branch — IFSC KLGB0040489 — extends the bank's services to customers in and around Kannur, Kerala.

About the Neendunokki branch

The Neendunokki branch of Kerala Gramin Bank is situated at NEENDUNOKKI,P.O.KOTTIYOOR,KANNUR,KERALA,PIN 670674. 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 KLGB0040489 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 NEENDUNOKKI of Kerala Gramin Bank — its own 11-character IFSC. The code KLGB0040489 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 KLGB0040489 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 KLGB0040489

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 KLGB0040489 across all three.

NEFT to Kerala Gramin Bank, NEENDUNOKKI using IFSC KLGB0040489

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 KLGB0040489, and confirm that the system picks up Kerala Gramin Bank – NEENDUNOKKI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to NEENDUNOKKI

If you need to transfer ₹2 lakh or more in one go to an account at Kerala Gramin Bank's NEENDUNOKKI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KLGB0040489 while initiating the transfer and the credit will appear within minutes.

IMPS to Kerala Gramin Bank NEENDUNOKKI (IFSC KLGB0040489)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KLGB0040489 in your mobile or internet banking app, and the money is credited to the NEENDUNOKKI branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC KLGB0040489 for Kerala Gramin Bank – NEENDUNOKKI, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.

For most retail customers crediting the Neendunokki branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.

UPI payments and IFSC KLGB0040489

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 – NEENDUNOKKI is still mapped to IFSC KLGB0040489. 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 KLGB0040489 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Neendunokki branch is mapped to IFSC KLGB0040489 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 KLGB0040489.

Products and services

Customers walking into the Neendunokki 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 KLGB0040489

MICR & cheque-truncation details

Cheques drawn on the Neendunokki branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC KLGB0040489 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC KLGB0040489

Kerala Gramin Bank customers can register for net banking and the bank's official mobile app once their account at the NEENDUNOKKI 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 KLGB0040489 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.

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 – NEENDUNOKKI:

• The IFSC is exactly KLGB0040489 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 NEENDUNOKKI 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.

How to reach the Neendunokki branch

The branch is located at NEENDUNOKKI,P.O.KOTTIYOOR,KANNUR,KERALA,PIN 670674, 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 Neendunokki branch” — the verified location pin for IFSC KLGB0040489 should appear at the top of the results.
2. Confirm the branch is open by calling 490-2430860 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 KLGB0040489 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC KLGB0040489 for Kerala Gramin Bank – NEENDUNOKKI, 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 Neendunokki 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 KLGB0040489 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code KLGB0040489 belongs to Kerala Gramin Bank's NEENDUNOKKI branch, located at NEENDUNOKKI,P.O.KOTTIYOOR,KANNUR,KERALA,PIN 670674 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.