IFSC Code of Kerala Gramin Bank, Padiyotchal Branch, Kerala

This page lists the IFSC code, branch address, contact number and fund-transfer information for Kerala Gramin Bank, PADIYOTCHAL branch in KANNUR. The 11-digit IFSC KLGB0040462 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Kerala Gramin Bank at the PADIYOTCHAL location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this 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 – PADIYOTCHAL is KLGB0040462. The first four letters KLGB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 040462 map to this branch in KANNUR, KERALA.

About the bank

Kerala Gramin Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Padiyotchal branch in Kannur, Kerala is part of this network and uses the IFSC code KLGB0040462 for all electronic settlement.

Padiyotchal branch overview

Located at PADIYOTCHAL,P.O.PADIYOTCHAL,KANNUR,KERALA,PIN 670307, the Padiyotchal branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC KLGB0040462 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 PADIYOTCHAL branch came to be assigned the code KLGB0040462.

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 KLGB0040462, money simply cannot be routed to the PADIYOTCHAL branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Padiyotchal branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC KLGB0040462 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC KLGB0040462

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 KLGB0040462 across all three.

NEFT to Kerala Gramin Bank, PADIYOTCHAL using IFSC KLGB0040462

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 KLGB0040462, and confirm that the system picks up Kerala Gramin Bank – PADIYOTCHAL. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC KLGB0040462

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 – PADIYOTCHAL, ensure your bank's portal accepts IFSC KLGB0040462 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Kerala Gramin Bank – PADIYOTCHAL, use IMPS. With IFSC KLGB0040462 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

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

All three modes accept the IFSC KLGB0040462 for Kerala Gramin Bank – PADIYOTCHAL, 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 Padiyotchal 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 KLGB0040462

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 – PADIYOTCHAL is still mapped to IFSC KLGB0040462. 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 KLGB0040462 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Padiyotchal branch is mapped to IFSC KLGB0040462 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 KLGB0040462.

Banking services available

The Padiyotchal branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 4985-240073.

• 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 KLGB0040462

Digital banking channels

Most day-to-day work that customers used to do at the Padiyotchal 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 KLGB0040462 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.

How to reach the Padiyotchal branch

The branch is located at PADIYOTCHAL,P.O.PADIYOTCHAL,KANNUR,KERALA,PIN 670307, 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 Padiyotchal branch” — the verified location pin for IFSC KLGB0040462 should appear at the top of the results.
2. Confirm the branch is open by calling 4985-240073 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 KLGB0040462 and your account number.

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 – PADIYOTCHAL:

• The IFSC is exactly KLGB0040462 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 PADIYOTCHAL 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.

Working hours

Branch counters at Padiyotchal 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 KLGB0040462 continue to work without interruption.

Verifying IFSC KLGB0040462 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 KLGB0040462 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 4985-240073.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Summary

The IFSC code KLGB0040462 belongs to Kerala Gramin Bank's PADIYOTCHAL branch, located at PADIYOTCHAL,P.O.PADIYOTCHAL,KANNUR,KERALA,PIN 670307 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.