IFSC Code of Kerala Gramin Bank, Palavayal Branch, Kerala

This page lists the IFSC code, branch address, contact number and fund-transfer information for Kerala Gramin Bank, PALAVAYAL branch in KASARAGOD. The 11-digit IFSC KLGB0040419 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 PALAVAYAL 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.

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, KLGB0040419 is the IFSC of Kerala Gramin Bank's PALAVAYAL branch. The format is fixed: KLGB = bank code, 0 = reserved, 040419 = branch identifier.

About the bank

Kerala Gramin Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Palavayal branch in Kasaragod, Kerala is part of this network and uses the IFSC code KLGB0040419 for all electronic settlement.

Palavayal branch overview

Located at PALAVAYAL,P.O.PALAVAYAL,KASARAGOD,KERALA,PIN 670511, the Palavayal branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC KLGB0040419 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 PALAVAYAL branch came to be assigned the code KLGB0040419.

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 KLGB0040419, money simply cannot be routed to the PALAVAYAL 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 KLGB0040419 and the account number together uniquely identify the Palavayal branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC KLGB0040419

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 KLGB0040419 across all three.

NEFT to Kerala Gramin Bank, PALAVAYAL using IFSC KLGB0040419

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 KLGB0040419, and confirm that the system picks up Kerala Gramin Bank – PALAVAYAL. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to PALAVAYAL

If you need to transfer ₹2 lakh or more in one go to an account at Kerala Gramin Bank's PALAVAYAL branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KLGB0040419 while initiating the transfer and the credit will appear within minutes.

IMPS to Kerala Gramin Bank PALAVAYAL (IFSC KLGB0040419)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KLGB0040419 in your mobile or internet banking app, and the money is credited to the PALAVAYAL branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Palavayal

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 KLGB0040419:

• 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 PALAVAYAL is still linked to IFSC KLGB0040419.

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 KLGB0040419

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 – PALAVAYAL is still mapped to IFSC KLGB0040419. 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 KLGB0040419 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Palavayal branch is mapped to IFSC KLGB0040419 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 KLGB0040419.

Banking services available

The Palavayal branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 4985-212225.

• 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 KLGB0040419

Digital banking channels

Most day-to-day work that customers used to do at the Palavayal 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 KLGB0040419 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 Palavayal branch sits at PALAVAYAL,P.O.PALAVAYAL,KASARAGOD,KERALA,PIN 670511. If you are travelling from outside Kasaragod, search for the branch on a maps application using the bank name and locality, or call 4985-212225 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 KLGB0040419 and your account number.

Common mistakes to avoid when using IFSC KLGB0040419

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 – PALAVAYAL, 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: KLGB0040419.
• 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 Palavayal 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 KLGB0040419 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC KLGB0040419 for Kerala Gramin Bank – PALAVAYAL, 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 address & contact

Frequently asked questions

Summary

The IFSC code KLGB0040419 belongs to Kerala Gramin Bank's PALAVAYAL branch, located at PALAVAYAL,P.O.PALAVAYAL,KASARAGOD,KERALA,PIN 670511 in KASARAGOD, 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.