IFSC Code of Kerala Gramin Bank, Kuniyil Branch, Kerala

Below are the complete branch details for Kerala Gramin Bank, KUNIYIL branch, located in MALAPPURAM, KERALA. The IFSC assigned by the Reserve Bank of India to this branch is KLGB0040139. 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 KLGB0040139 for Kerala Gramin Bank – KUNIYIL — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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, KLGB0040139 is the IFSC of Kerala Gramin Bank's KUNIYIL branch. The format is fixed: KLGB = bank code, 0 = reserved, 040139 = branch identifier.

About Kerala Gramin Bank

Kerala Gramin Bank operates a wide network of branches across India, including the Kuniyil branch in Malappuram. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, KLGB0040139.

About the Kuniyil branch

The Kuniyil branch of Kerala Gramin Bank is situated at KUNIYIL P.O.KEEZHUPARAMBA MALAPPURAM DT,PIN 673639. 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 KLGB0040139 is used.

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 KUNIYIL branch came to be assigned the code KLGB0040139.

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 KLGB0040139, money simply cannot be routed to the KUNIYIL 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 KLGB0040139 and the account number together uniquely identify the Kuniyil branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC KLGB0040139

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 KLGB0040139 across all three.

How to use IFSC KLGB0040139 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Kerala Gramin Bank's KUNIYIL 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 KLGB0040139.
4. Confirm the bank name auto-populates as Kerala Gramin Bank and the branch as KUNIYIL.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC KLGB0040139

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 – KUNIYIL, ensure your bank's portal accepts IFSC KLGB0040139 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Kerala Gramin Bank KUNIYIL (IFSC KLGB0040139)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KLGB0040139 in your mobile or internet banking app, and the money is credited to the KUNIYIL branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC KLGB0040139 for Kerala Gramin Bank – KUNIYIL, 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 Kuniyil 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 KLGB0040139

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 – KUNIYIL is still mapped to IFSC KLGB0040139. 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 KLGB0040139 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Kuniyil branch is mapped to IFSC KLGB0040139 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 KLGB0040139.

Products and services

Customers walking into the Kuniyil 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 KLGB0040139

Online banking and IFSC KLGB0040139

Kerala Gramin Bank customers can register for net banking and the bank's official mobile app once their account at the KUNIYIL 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 KLGB0040139 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.

How to reach the Kuniyil branch

The branch is located at KUNIYIL P.O.KEEZHUPARAMBA MALAPPURAM DT,PIN 673639, 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 Kuniyil branch” — the verified location pin for IFSC KLGB0040139 should appear at the top of the results.
2. Confirm the branch is open by calling 483-2858735 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 KLGB0040139 and your account number.

Common mistakes to avoid when using IFSC KLGB0040139

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 – KUNIYIL, 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: KLGB0040139.
• 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 Kuniyil 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 KLGB0040139 continue to work without interruption.

Verifying IFSC KLGB0040139 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 KLGB0040139 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 483-2858735.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Summary

The IFSC code KLGB0040139 belongs to Kerala Gramin Bank's KUNIYIL branch, located at KUNIYIL P.O.KEEZHUPARAMBA MALAPPURAM DT,PIN 673639 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.