Below are the complete branch details for Kerala Gramin Bank, KOOTTALIDA branch, located in KOZHIKODE, KERALA. The IFSC assigned by the Reserve Bank of India to this branch is KLGB0040144. 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 KLGB0040144 for Kerala Gramin Bank – KOOTTALIDA — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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 KOOTTALIDA branch, the IFSC KLGB0040144 breaks down as follows: KLGB identifies the bank, 0 is the reserved character, and 040144 identifies this particular branch.
Bank profile
Kerala Gramin Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Koottalida branch — IFSC KLGB0040144 — extends the bank's services to customers in and around Kozhikode, Kerala.
About the Koottalida branch
The Koottalida branch of Kerala Gramin Bank is situated at KOOTTALIDA P.O.AVITANELLUR KOZHIKODE DT,PIN 673618. 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 KLGB0040144 is used.
Branch details at a glance
| Bank Name | Kerala Gramin Bank |
|---|---|
| Branch | Koottalida |
| IFSC Code | KLGB0040144 |
| MICR Code | Refer to cheque leaf |
| Branch Address | KOOTTALIDA P.O.AVITANELLUR KOZHIKODE DT,PIN 673618 |
| City | Kozhikode |
| District | Kozhikode |
| State | Kerala |
| STD Code | 496 |
| Phone | 2657233 |
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 KOOTTALIDA branch came to be assigned the code KLGB0040144.
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 KLGB0040144, money simply cannot be routed to the KOOTTALIDA branch electronically.
MICR & cheque-truncation details
Cheques drawn on the Koottalida branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC KLGB0040144 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 KLGB0040144
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 KLGB0040144 across all three.
How to use IFSC KLGB0040144 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Kerala Gramin Bank's KOOTTALIDA 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC KLGB0040144.
- Confirm the bank name auto-populates as Kerala Gramin Bank and the branch as KOOTTALIDA.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC KLGB0040144
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 – KOOTTALIDA, ensure your bank's portal accepts IFSC KLGB0040144 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Kerala Gramin Bank – KOOTTALIDA, use IMPS. With IFSC KLGB0040144 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 KLGB0040144 for Kerala Gramin Bank – KOOTTALIDA, 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – KLGB0040144 | Yes – KLGB0040144 | Yes – KLGB0040144 |
For most retail customers crediting the Koottalida 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 KLGB0040144
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 – KOOTTALIDA is still mapped to IFSC KLGB0040144. 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 KLGB0040144 and the beneficiary's account number to complete the transfer.
Account types you can open at the Koottalida branch
Once you have an account at Kerala Gramin Bank – KOOTTALIDA, the IFSC KLGB0040144 stays the same regardless of the type of account you hold. The branch typically supports the following options:
- Savings account — for individuals, with chequebook, ATM card and net-banking access.
- Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
- Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
- NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
- Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
- Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
- Minor and student accounts — operated jointly with a guardian until the customer turns 18.
Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.
Products and services
Customers walking into the Koottalida 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 KLGB0040144
Online banking and IFSC KLGB0040144
Kerala Gramin Bank customers can register for net banking and the bank's official mobile app once their account at the KOOTTALIDA 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 KLGB0040144 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.
Reaching the branch
The Koottalida branch sits at KOOTTALIDA P.O.AVITANELLUR KOZHIKODE DT,PIN 673618. If you are travelling from outside Kozhikode, search for the branch on a maps application using the bank name and locality, or call 496-2657233 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 KLGB0040144 and your account number.
Common mistakes to avoid when using IFSC KLGB0040144
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 – KOOTTALIDA, 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:
KLGB0040144. - 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 Koottalida 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 KLGB0040144 continue to work without interruption.
Verifying IFSC KLGB0040144 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 KLGB0040144 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 496-2657233.
- Visiting the bank's official branch locator page.
Branch address & contact
Kerala Gramin BankKoottalida Branch
KOOTTALIDA P.O.AVITANELLUR KOZHIKODE DT,PIN 673618
Kozhikode, Kerala
Phone: 496-2657233
IFSC: KLGB0040144
Frequently asked questions
Is IFSC KLGB0040144 valid for NEFT and RTGS?
Yes. IFSC KLGB0040144 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Is IFSC KLGB0040144 the same for all accounts at Koottalida branch?
Yes. The IFSC KLGB0040144 is shared by every account held at Kerala Gramin Bank's Koottalida branch. Only the account number changes from customer to customer.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Koottalida branch but serve different purposes.
Where is Kerala Gramin Bank Koottalida branch located?
Kerala Gramin Bank's Koottalida branch is located at KOOTTALIDA P.O.AVITANELLUR KOZHIKODE DT,PIN 673618, Kozhikode, Kerala.
How do I add Kerala Gramin Bank Koottalida as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC KLGB0040144, and complete OTP verification. Once activated, you can transfer funds at any time.
Does Kerala Gramin Bank Koottalida branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 496-2657233 to confirm.
Summary
The IFSC code KLGB0040144 belongs to Kerala Gramin Bank's KOOTTALIDA branch, located at KOOTTALIDA P.O.AVITANELLUR KOZHIKODE DT,PIN 673618 in KOZHIKODE, 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.
