IFSC Code of Kerala Gramin Bank, Kalikavu Branch, Kerala

If you are searching for the IFSC code of Kerala Gramin Bank, KALIKAVU branch in MALAPPURAM, KERALA, this page has every detail you need. The verified IFSC code for this branch is KLGB0040382. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the KALIKAVU branch, and detailed step-by-step guides for using the IFSC KLGB0040382 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular 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 KALIKAVU branch, the IFSC KLGB0040382 breaks down as follows: KLGB identifies the bank, 0 is the reserved character, and 040382 identifies this particular branch.

Branch details at a glance

Bank profile

Kerala Gramin Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Kalikavu branch — IFSC KLGB0040382 — extends the bank's services to customers in and around Malappuram, Kerala.

About the Kalikavu branch

The Kalikavu branch of Kerala Gramin Bank is situated at KALIKAVU VAYALIL POINT,KALIKAVU PO ,MALAPPURAM DISTRICT 676525. 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 KLGB0040382 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 KALIKAVU branch came to be assigned the code KLGB0040382.

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 KLGB0040382, money simply cannot be routed to the KALIKAVU branch electronically.

How to transfer money using IFSC KLGB0040382

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 KLGB0040382 across all three.

How to use IFSC KLGB0040382 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Kerala Gramin Bank's KALIKAVU 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).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC KLGB0040382.
4. Confirm the bank name auto-populates as Kerala Gramin Bank and the branch as KALIKAVU.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to KALIKAVU

If you need to transfer ₹2 lakh or more in one go to an account at Kerala Gramin Bank's KALIKAVU branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KLGB0040382 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Kerala Gramin Bank – KALIKAVU, use IMPS. With IFSC KLGB0040382 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 KLGB0040382 for Kerala Gramin Bank – KALIKAVU, 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 Kalikavu 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.

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 KALIKAVU branch, the IFSC KLGB0040382 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 Kalikavu branch is mapped to IFSC KLGB0040382 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 KLGB0040382.

Products and services

Customers walking into the Kalikavu 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 KLGB0040382

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 KLGB0040382 and the account number together uniquely identify the Kalikavu branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC KLGB0040382

Kerala Gramin Bank customers can register for net banking and the bank's official mobile app once their account at the KALIKAVU 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 KLGB0040382 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 – KALIKAVU:

• The IFSC is exactly KLGB0040382 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 KALIKAVU 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.

How to reach the Kalikavu branch

The branch is located at KALIKAVU VAYALIL POINT,KALIKAVU PO ,MALAPPURAM DISTRICT 676525, which puts it inside Malappuram, the broader Malappuram district, and the state of Kerala. To plan your visit:

1. Open Google Maps on your phone and search for “Kerala Gramin Bank Kalikavu branch” — the verified location pin for IFSC KLGB0040382 should appear at the top of the results.
2. Confirm the branch is open by calling 4931-258781 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 KLGB0040382 and your account number.

Verifying IFSC KLGB0040382 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 KLGB0040382 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 4931-258781.
• Visiting the bank's official branch locator page.

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 Kalikavu branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KLGB0040382, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code KLGB0040382 belongs to Kerala Gramin Bank's KALIKAVU branch, located at KALIKAVU VAYALIL POINT,KALIKAVU PO ,MALAPPURAM DISTRICT 676525 in MALAPPURAM, 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.