IFSC Code of Kerala Gramin Bank, Thiruvalla Branch, Kerala

Use this page as a one-stop reference for everything related to Kerala Gramin Bank's THIRUVALLA branch in PATHANAMTHITTA, KERALA. The branch's IFSC code KLGB0040305 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.

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, KLGB0040305 is the IFSC of Kerala Gramin Bank's THIRUVALLA branch. The format is fixed: KLGB = bank code, 0 = reserved, 040305 = branch identifier.

Branch details at a glance

Bank profile

Kerala Gramin Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Thiruvalla branch — IFSC KLGB0040305 — extends the bank's services to customers in and around Pathanamthitta, Kerala.

About the Thiruvalla branch

The Thiruvalla branch of Kerala Gramin Bank is situated at THIRUVALLA PULIMUTTATHU BUILDING,RAMANCHIRA P.O.MUTHUR. PATHANAMTHITTA DT,PIN 689107. 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 KLGB0040305 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 THIRUVALLA of Kerala Gramin Bank — its own 11-character IFSC. The code KLGB0040305 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 KLGB0040305 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 KLGB0040305

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 KLGB0040305 across all three.

How to use IFSC KLGB0040305 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Kerala Gramin Bank's THIRUVALLA 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 KLGB0040305.
4. Confirm the bank name auto-populates as Kerala Gramin Bank and the branch as THIRUVALLA.
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 KLGB0040305

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 – THIRUVALLA, ensure your bank's portal accepts IFSC KLGB0040305 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Kerala Gramin Bank THIRUVALLA (IFSC KLGB0040305)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC KLGB0040305 in your mobile or internet banking app, and the money is credited to the THIRUVALLA branch account within seconds.

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

All three modes accept the IFSC KLGB0040305 for Kerala Gramin Bank – THIRUVALLA, 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 Thiruvalla 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 KLGB0040305

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 – THIRUVALLA is still mapped to IFSC KLGB0040305. 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 KLGB0040305 and the beneficiary's account number to complete the transfer.

Account types you can open at the Thiruvalla branch

Once you have an account at Kerala Gramin Bank – THIRUVALLA, the IFSC KLGB0040305 stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

Banking services available

The Thiruvalla branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 469-2602485.

• 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 KLGB0040305

MICR & cheque-truncation details

Cheques drawn on the Thiruvalla branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC KLGB0040305 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC KLGB0040305

Kerala Gramin Bank customers can register for net banking and the bank's official mobile app once their account at the THIRUVALLA 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 KLGB0040305 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 – THIRUVALLA:

• The IFSC is exactly KLGB0040305 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 THIRUVALLA 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 Thiruvalla branch sits at THIRUVALLA PULIMUTTATHU BUILDING,RAMANCHIRA P.O.MUTHUR. PATHANAMTHITTA DT,PIN 689107. If you are travelling from outside Pathanamthitta, search for the branch on a maps application using the bank name and locality, or call 469-2602485 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 KLGB0040305 and your account number.

Verifying IFSC KLGB0040305 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 KLGB0040305 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 469-2602485.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Thiruvalla 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 KLGB0040305 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: KLGB0040305 is the IFSC code of Kerala Gramin Bank, THIRUVALLA branch, in PATHANAMTHITTA, 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.