IFSC Code of Kerala Gramin Bank, Karunagapally Branch, Kerala

This page lists the IFSC code, branch address, contact number and fund-transfer information for Kerala Gramin Bank, KARUNAGAPALLY branch in KOLLAM. The 11-digit IFSC KLGB0040565 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 KARUNAGAPALLY 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.

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 KARUNAGAPALLY branch, the IFSC KLGB0040565 breaks down as follows: KLGB identifies the bank, 0 is the reserved character, and 040565 identifies this particular branch.

Branch details at a glance

About the bank

Kerala Gramin Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Karunagapally branch in Kollam, Kerala is part of this network and uses the IFSC code KLGB0040565 for all electronic settlement.

About the Karunagapally branch

The Karunagapally branch of Kerala Gramin Bank is situated at ZAINA BUILDINGS,H.S.JUNCTION,ALUMKADAVU ROAD,P.O.KARUNAGAPPALLY,KOLLAM,KERALA,PIN 690518. 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 KLGB0040565 is used.

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 KARUNAGAPALLY branch came to be assigned the code KLGB0040565.

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 KLGB0040565, money simply cannot be routed to the KARUNAGAPALLY branch electronically.

How to transfer money using IFSC KLGB0040565

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 KLGB0040565 across all three.

NEFT to Kerala Gramin Bank, KARUNAGAPALLY using IFSC KLGB0040565

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 KLGB0040565, and confirm that the system picks up Kerala Gramin Bank – KARUNAGAPALLY. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to KARUNAGAPALLY

If you need to transfer ₹2 lakh or more in one go to an account at Kerala Gramin Bank's KARUNAGAPALLY branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KLGB0040565 while initiating the transfer and the credit will appear within minutes.

IMPS to Kerala Gramin Bank KARUNAGAPALLY (IFSC KLGB0040565)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KLGB0040565 in your mobile or internet banking app, and the money is credited to the KARUNAGAPALLY branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Karunagapally

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 KLGB0040565:

• 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 KARUNAGAPALLY is still linked to IFSC KLGB0040565.

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 KARUNAGAPALLY branch, the IFSC KLGB0040565 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 Karunagapally branch is mapped to IFSC KLGB0040565 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 KLGB0040565.

Banking services available

The Karunagapally branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 476-2626252.

• 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 KLGB0040565

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 KLGB0040565 and the account number together uniquely identify the Karunagapally branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC KLGB0040565

Kerala Gramin Bank customers can register for net banking and the bank's official mobile app once their account at the KARUNAGAPALLY 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 KLGB0040565 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 – KARUNAGAPALLY:

• The IFSC is exactly KLGB0040565 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 KARUNAGAPALLY 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.

Reaching the branch

The Karunagapally branch sits at ZAINA BUILDINGS,H.S.JUNCTION,ALUMKADAVU ROAD,P.O.KARUNAGAPPALLY,KOLLAM,KERALA,PIN 690518. If you are travelling from outside Kollam, search for the branch on a maps application using the bank name and locality, or call 476-2626252 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 KLGB0040565 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC KLGB0040565 for Kerala Gramin Bank – KARUNAGAPALLY, 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 banking hours and holidays

Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Karunagapally branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KLGB0040565, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code KLGB0040565 belongs to Kerala Gramin Bank's KARUNAGAPALLY branch, located at ZAINA BUILDINGS,H.S.JUNCTION,ALUMKADAVU… in KOLLAM, 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.