IFSC Code of Kerala Gramin Bank, Maniyur Branch, Kerala

Use this page as a one-stop reference for everything related to Kerala Gramin Bank's MANIYUR branch in KOZHIKODE, KERALA. The branch's IFSC code KLGB0040128 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

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, KLGB0040128 is the IFSC of Kerala Gramin Bank's MANIYUR branch. The format is fixed: KLGB = bank code, 0 = reserved, 040128 = 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 Maniyur branch in Kozhikode, Kerala is part of this network and uses the IFSC code KLGB0040128 for all electronic settlement.

Branch details at a glance

About this branch

The branch is located at MANIYUR P.O.PALAYADNADA KOZHIKODE DT,PIN 673530. It serves the Kozhikode region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Kerala Gramin Bank. The IFSC KLGB0040128 is used to identify this branch on the RBI payments network.

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 MANIYUR branch came to be assigned the code KLGB0040128.

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 KLGB0040128, money simply cannot be routed to the MANIYUR branch electronically.

Products and account variants supported

Every account opened at the Maniyur branch is mapped to IFSC KLGB0040128 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 KLGB0040128.

Banking services available

The Maniyur branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 496-2536222.

• 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 KLGB0040128

How to transfer money using IFSC KLGB0040128

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 KLGB0040128 across all three.

NEFT to Kerala Gramin Bank, MANIYUR using IFSC KLGB0040128

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 KLGB0040128, and confirm that the system picks up Kerala Gramin Bank – MANIYUR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC KLGB0040128

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 – MANIYUR, ensure your bank's portal accepts IFSC KLGB0040128 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Kerala Gramin Bank – MANIYUR, use IMPS. With IFSC KLGB0040128 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 KLGB0040128 for Kerala Gramin Bank – MANIYUR, 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 Maniyur 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 KLGB0040128

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 – MANIYUR is still mapped to IFSC KLGB0040128. 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 KLGB0040128 and the beneficiary's account number to complete the transfer.

Digital banking channels

Most day-to-day work that customers used to do at the Maniyur 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 KLGB0040128 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.

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 KLGB0040128 and the account number together uniquely identify the Maniyur branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – MANIYUR:

• The IFSC is exactly KLGB0040128 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 MANIYUR 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 Maniyur branch sits at MANIYUR P.O.PALAYADNADA KOZHIKODE DT,PIN 673530. If you are travelling from outside Kozhikode, search for the branch on a maps application using the bank name and locality, or call 496-2536222 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 KLGB0040128 and your account number.

Verifying IFSC KLGB0040128 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 KLGB0040128 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 496-2536222.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Maniyur 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 KLGB0040128 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: KLGB0040128 is the IFSC code of Kerala Gramin Bank, MANIYUR branch, in KOZHIKODE, KERALA. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.