IFSC Code of Kerala Gramin Bank, Othukkungal Branch, Kerala

If you are searching for the IFSC code of Kerala Gramin Bank, OTHUKKUNGAL branch in MALAPPURAM, KERALA, this page has every detail you need. The verified IFSC code for this branch is KLGB0040149. 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 OTHUKKUNGAL branch, and detailed step-by-step guides for using the IFSC KLGB0040149 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 OTHUKKUNGAL branch, the IFSC KLGB0040149 breaks down as follows: KLGB identifies the bank, 0 is the reserved character, and 040149 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 Othukkungal branch in Malappuram, Kerala is part of this network and uses the IFSC code KLGB0040149 for all electronic settlement.

About the Othukkungal branch

The Othukkungal branch of Kerala Gramin Bank is situated at OTHUKKUNGAL P.O.OTHUKKUNGAL MALAPPURAM DT,PIN 676528. 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 KLGB0040149 is used.

Why every Kerala Gramin Bank branch has a unique IFSC

Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including OTHUKKUNGAL of Kerala Gramin Bank — its own 11-character IFSC. The code KLGB0040149 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.

Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC KLGB0040149 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC KLGB0040149

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 KLGB0040149 across all three.

How to use IFSC KLGB0040149 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Kerala Gramin Bank's OTHUKKUNGAL 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 KLGB0040149.
4. Confirm the bank name auto-populates as Kerala Gramin Bank and the branch as OTHUKKUNGAL.
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 KLGB0040149

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 – OTHUKKUNGAL, ensure your bank's portal accepts IFSC KLGB0040149 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Kerala Gramin Bank – OTHUKKUNGAL, use IMPS. With IFSC KLGB0040149 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 KLGB0040149 for Kerala Gramin Bank – OTHUKKUNGAL, 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 Othukkungal 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 OTHUKKUNGAL branch, the IFSC KLGB0040149 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 Othukkungal branch is mapped to IFSC KLGB0040149 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 KLGB0040149.

Banking services available

The Othukkungal branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 483-2838168.

• 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 KLGB0040149

MICR & cheque-truncation details

Cheques drawn on the Othukkungal branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC KLGB0040149 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Digital banking channels

Most day-to-day work that customers used to do at the Othukkungal 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 KLGB0040149 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.

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 – OTHUKKUNGAL:

• The IFSC is exactly KLGB0040149 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 OTHUKKUNGAL 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 Othukkungal branch sits at OTHUKKUNGAL P.O.OTHUKKUNGAL MALAPPURAM DT,PIN 676528. If you are travelling from outside Malappuram, search for the branch on a maps application using the bank name and locality, or call 483-2838168 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 KLGB0040149 and your account number.

Verifying IFSC KLGB0040149 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 KLGB0040149 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 483-2838168.
• 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 Othukkungal branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KLGB0040149, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code KLGB0040149 belongs to Kerala Gramin Bank's OTHUKKUNGAL branch, located at OTHUKKUNGAL P.O.OTHUKKUNGAL MALAPPURAM DT,PIN 676528 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.