IFSC Code of Kerala Gramin Bank, Pathanamthitta Branch, Kerala

If you are searching for the IFSC code of Kerala Gramin Bank, PATHANAMTHITTA branch in PATHANAMTHITTA, KERALA, this page has every detail you need. The verified IFSC code for this branch is KLGB0040307. 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 PATHANAMTHITTA branch, and detailed step-by-step guides for using the IFSC KLGB0040307 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.

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, KLGB0040307 is the IFSC of Kerala Gramin Bank's PATHANAMTHITTA branch. The format is fixed: KLGB = bank code, 0 = reserved, 040307 = branch identifier.

Branch details at a glance

About Kerala Gramin Bank

Kerala Gramin Bank operates a wide network of branches across India, including the Pathanamthitta branch in Pathanamthitta. 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, KLGB0040307.

About this branch

The branch is located at PATHANAMTHITTA SHAJITOWERS,OPP.KSRTC BUS STAND P.O.PATHANAMTHITTA PATHANAMTHITTA DT,PIN 689645. It serves the Pathanamthitta 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 KLGB0040307 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 PATHANAMTHITTA of Kerala Gramin Bank — its own 11-character IFSC. The code KLGB0040307 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 KLGB0040307 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 KLGB0040307

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 KLGB0040307 across all three.

How to use IFSC KLGB0040307 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Kerala Gramin Bank's PATHANAMTHITTA 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 KLGB0040307.
4. Confirm the bank name auto-populates as Kerala Gramin Bank and the branch as PATHANAMTHITTA.
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 PATHANAMTHITTA

If you need to transfer ₹2 lakh or more in one go to an account at Kerala Gramin Bank's PATHANAMTHITTA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC KLGB0040307 while initiating the transfer and the credit will appear within minutes.

IMPS to Kerala Gramin Bank PATHANAMTHITTA (IFSC KLGB0040307)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KLGB0040307 in your mobile or internet banking app, and the money is credited to the PATHANAMTHITTA branch account within seconds.

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

All three modes accept the IFSC KLGB0040307 for Kerala Gramin Bank – PATHANAMTHITTA, 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 Pathanamthitta 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 KLGB0040307

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 – PATHANAMTHITTA is still mapped to IFSC KLGB0040307. 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 KLGB0040307 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Pathanamthitta branch is mapped to IFSC KLGB0040307 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 KLGB0040307.

Products and services

Customers walking into the Pathanamthitta 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 KLGB0040307

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 KLGB0040307 and the account number together uniquely identify the Pathanamthitta branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC KLGB0040307

Kerala Gramin Bank customers can register for net banking and the bank's official mobile app once their account at the PATHANAMTHITTA 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 KLGB0040307 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.

Common mistakes to avoid when using IFSC KLGB0040307

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 – PATHANAMTHITTA, 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: KLGB0040307.
• 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.

How to reach the Pathanamthitta branch

The branch is located at PATHANAMTHITTA SHAJITOWERS,OPP.KSRTC BUS STAND P.O.PATHANAMTHITTA PATHANAMTHITTA DT,PIN 689645, which puts it inside Pathanamthitta, the broader Pathanamthitta district, and the state of Kerala. To plan your visit:

1. Open Google Maps on your phone and search for “Kerala Gramin Bank Pathanamthitta branch” — the verified location pin for IFSC KLGB0040307 should appear at the top of the results.
2. Confirm the branch is open by calling 468-2322575 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 KLGB0040307 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC KLGB0040307 for Kerala Gramin Bank – PATHANAMTHITTA, 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 Pathanamthitta branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC KLGB0040307, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code KLGB0040307 belongs to Kerala Gramin Bank's PATHANAMTHITTA branch, located at PATHANAMTHITTA SHAJITOWERS,OPP.KSRTC BUS STAND P.O.PATHANAMTHITTA… in PATHANAMTHITTA, 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.