Use this page as a one-stop reference for everything related to Kerala Gramin Bank's PAPPANAMCODE branch in PAPPANAMCODE, KERALA. The branch's IFSC code KLGB0040701 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.
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 – PAPPANAMCODE is KLGB0040701. The first four letters KLGB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 040701 map to this branch in PAPPANAMCODE, KERALA.
Branch details at a glance
| Bank Name | Kerala Gramin Bank |
|---|---|
| Branch | Pappanamcode |
| IFSC Code | KLGB0040701 |
| MICR Code | Refer to cheque leaf |
| Branch Address | ANUKUTTANMAVILA,PAPPANAMCODE PO,THIRUVANANTHPURAM DT |
| City | Pappanamcode |
| District | Thiruvananthpuram |
| State | Kerala |
| STD Code | 471 |
| Phone | 2495701 |
About the bank
Kerala Gramin Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Pappanamcode branch in Pappanamcode, Kerala is part of this network and uses the IFSC code KLGB0040701 for all electronic settlement.
About this branch
The branch is located at ANUKUTTANMAVILA,PAPPANAMCODE PO,THIRUVANANTHPURAM DT. It serves the Pappanamcode 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 KLGB0040701 is used to identify this branch on the RBI payments network.
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 PAPPANAMCODE of Kerala Gramin Bank — its own 11-character IFSC. The code KLGB0040701 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 KLGB0040701 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 KLGB0040701
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 KLGB0040701 across all three.
How to use IFSC KLGB0040701 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Kerala Gramin Bank's PAPPANAMCODE 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC KLGB0040701.
- Confirm the bank name auto-populates as Kerala Gramin Bank and the branch as PAPPANAMCODE.
- 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 PAPPANAMCODE
If you need to transfer ₹2 lakh or more in one go to an account at Kerala Gramin Bank's PAPPANAMCODE branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KLGB0040701 while initiating the transfer and the credit will appear within minutes.
IMPS to Kerala Gramin Bank PAPPANAMCODE (IFSC KLGB0040701)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KLGB0040701 in your mobile or internet banking app, and the money is credited to the PAPPANAMCODE branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC KLGB0040701 for Kerala Gramin Bank – PAPPANAMCODE, 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – KLGB0040701 | Yes – KLGB0040701 | Yes – KLGB0040701 |
For most retail customers crediting the Pappanamcode 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 KLGB0040701
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 – PAPPANAMCODE is still mapped to IFSC KLGB0040701. 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 KLGB0040701 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Pappanamcode branch is mapped to IFSC KLGB0040701 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 KLGB0040701.
Products and services
Customers walking into the Pappanamcode 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 KLGB0040701
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 KLGB0040701 and the account number together uniquely identify the Pappanamcode branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC KLGB0040701
Kerala Gramin Bank customers can register for net banking and the bank's official mobile app once their account at the PAPPANAMCODE 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 KLGB0040701 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 – PAPPANAMCODE:
- The IFSC is exactly KLGB0040701 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 PAPPANAMCODE 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 Pappanamcode branch
The branch is located at ANUKUTTANMAVILA,PAPPANAMCODE PO,THIRUVANANTHPURAM DT, which puts it inside Pappanamcode, the broader Thiruvananthpuram district, and the state of Kerala. To plan your visit:
- Open Google Maps on your phone and search for “Kerala Gramin Bank Pappanamcode branch” — the verified location pin for IFSC KLGB0040701 should appear at the top of the results.
- Confirm the branch is open by calling 471-2495701 before stepping out, especially around public holidays.
- 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 KLGB0040701 and your account number.
Verifying IFSC KLGB0040701 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 KLGB0040701 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 471-2495701.
- 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 Pappanamcode branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KLGB0040701, however, work 24x7.
Branch address & contact
Kerala Gramin BankPappanamcode Branch
ANUKUTTANMAVILA,PAPPANAMCODE PO,THIRUVANANTHPURAM DT
Pappanamcode, Kerala
Phone: 471-2495701
IFSC: KLGB0040701
Frequently asked questions
Does Kerala Gramin Bank Pappanamcode branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 471-2495701 to confirm.
What is the IFSC code of Kerala Gramin Bank Pappanamcode branch?
The IFSC code of Kerala Gramin Bank, Pappanamcode branch is KLGB0040701. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Can I use IFSC KLGB0040701 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC KLGB0040701 to send funds instantly.
Is IFSC KLGB0040701 the same for all accounts at Pappanamcode branch?
Yes. The IFSC KLGB0040701 is shared by every account held at Kerala Gramin Bank's Pappanamcode branch. Only the account number changes from customer to customer.
What is the phone number of Kerala Gramin Bank Pappanamcode branch?
You can reach the branch at 471-2495701 during regular banking hours.
How do I add Kerala Gramin Bank Pappanamcode as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC KLGB0040701, and complete OTP verification. Once activated, you can transfer funds at any time.
Where is Kerala Gramin Bank Pappanamcode branch located?
Kerala Gramin Bank's Pappanamcode branch is located at ANUKUTTANMAVILA,PAPPANAMCODE PO,THIRUVANANTHPURAM DT, Pappanamcode, Kerala.
Summary
The IFSC code KLGB0040701 belongs to Kerala Gramin Bank's PAPPANAMCODE branch, located at ANUKUTTANMAVILA,PAPPANAMCODE PO,THIRUVANANTHPURAM DT in PAPPANAMCODE, 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.
