IFSC Code of Kerala Gramin Bank, Pookkottumpadam Branch, Kerala

This page lists the IFSC code, branch address, contact number and fund-transfer information for Kerala Gramin Bank, POOKKOTTUMPADAM branch in MALAPPURAM. The 11-digit IFSC KLGB0040132 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Kerala Gramin Bank at the POOKKOTTUMPADAM location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for Kerala Gramin Bank – POOKKOTTUMPADAM is KLGB0040132. The first four letters KLGB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 040132 map to this branch in MALAPPURAM, KERALA.

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 Pookkottumpadam branch in Malappuram, Kerala is part of this network and uses the IFSC code KLGB0040132 for all electronic settlement.

Pookkottumpadam branch overview

Located at POOKKOTTUMPADAM P.O.POOKKOOTTUMPADAM MALAPPURAM DT,PIN 679332, the Pookkottumpadam branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC KLGB0040132 is required for all interbank electronic transfers routed through this branch.

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 POOKKOTTUMPADAM branch came to be assigned the code KLGB0040132.

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 KLGB0040132, money simply cannot be routed to the POOKKOTTUMPADAM branch electronically.

How to transfer money using IFSC KLGB0040132

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 KLGB0040132 across all three.

NEFT to Kerala Gramin Bank, POOKKOTTUMPADAM using IFSC KLGB0040132

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 KLGB0040132, and confirm that the system picks up Kerala Gramin Bank – POOKKOTTUMPADAM. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC KLGB0040132

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 – POOKKOTTUMPADAM, ensure your bank's portal accepts IFSC KLGB0040132 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Kerala Gramin Bank POOKKOTTUMPADAM (IFSC KLGB0040132)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KLGB0040132 in your mobile or internet banking app, and the money is credited to the POOKKOTTUMPADAM branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Pookkottumpadam

The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC KLGB0040132:

• NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
• RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
• IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
• UPI — best for small peer-to-peer payments using a VPA; the underlying account at POOKKOTTUMPADAM is still linked to IFSC KLGB0040132.

For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.

UPI payments and IFSC KLGB0040132

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 – POOKKOTTUMPADAM is still mapped to IFSC KLGB0040132. 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 KLGB0040132 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Pookkottumpadam branch is mapped to IFSC KLGB0040132 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 KLGB0040132.

Banking services available

The Pookkottumpadam branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 4931-260113.

• 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 KLGB0040132

MICR & cheque-truncation details

Cheques drawn on the Pookkottumpadam branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC KLGB0040132 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC KLGB0040132

Kerala Gramin Bank customers can register for net banking and the bank's official mobile app once their account at the POOKKOTTUMPADAM 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 KLGB0040132 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 – POOKKOTTUMPADAM:

• The IFSC is exactly KLGB0040132 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 POOKKOTTUMPADAM 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 Pookkottumpadam branch sits at POOKKOTTUMPADAM P.O.POOKKOOTTUMPADAM MALAPPURAM DT,PIN 679332. If you are travelling from outside Malappuram, search for the branch on a maps application using the bank name and locality, or call 4931-260113 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 KLGB0040132 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC KLGB0040132 for Kerala Gramin Bank – POOKKOTTUMPADAM, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

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 Pookkottumpadam branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KLGB0040132, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: KLGB0040132 is the IFSC code of Kerala Gramin Bank, POOKKOTTUMPADAM branch, in MALAPPURAM, 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.